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Need Help Building My Credit Card Portfolio

bhavyakjain

TF Select
Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile:

**Profile:**

* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.

**Current Cards:**

1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024

**Looking for guidance on:**

* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.

Any tips or suggestions would be really appreciated.

Thanks in advance
 
Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile:

**Profile:**

* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.

**Current Cards:**

1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024

**Looking for guidance on:**

* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.

Any tips or suggestions would be really appreciated.

Thanks in advance
how you get ICICI amazon and apay with these much high limit i own both since july 2022 issue 1 lakh limit at the time and still same limit not a single LE i get
 
1. Since your salary is 2+, you will easily get Ltf Sapphiro which will be useful for BOGO offers.
2. Use Supermoney app for day to day txns & when you get see Supermoney Pro in the app, apply it. It's a very good Ltf cc.
3. Try Hdfc Swiggy if you are getting it Ltf in the app.
4. Ask your Hdfc RM to upgrade to atleast Ltf Regalia. Otherwise Millenia is even better & easier.
5. Check any pre approved Axis cc in the app & get any Ltf cc. And if you are getting Airtel Axis Rupay then take it even if it is paid.
 
1. Since your salary is 2+, you will easily get Ltf Sapphiro which will be useful for BOGO offers.
2. Use Supermoney app for day to day txns & when you get see Supermoney Pro in the app, apply it. It's a very good Ltf cc.
3. Try Hdfc Swiggy if you are getting it Ltf in the app.
4. Ask your Hdfc RM to upgrade to atleast Ltf Regalia. Otherwise Millenia is even better & easier.
5. Check any pre approved Axis cc in the app & get any Ltf cc. And if you are getting Airtel Axis Rupay then take it even if it is paid.
1. How to get saphhiro LTF ? Bank employee were useless in this regard . Any escalation matrix email ?
2. Will check on aupermoney , no clue as if yet
3. Hdfc Swiggy getting as FYF only. BTW what usage for this ?
4. RM is absolutely useless. Not even giving moneyback as LTF. Any other method please share
5. Axis ace I took paid since my utility bills were beyong Airtel axis limits and also for offline pos transaction 1.5% , more than airtel one. Do name drop any other axis card worth taking
 
If you travel for work or otherwise. You can get amex plat travel. It has 5000 fees but gives great value if you spend 4 lac yearly. There are acceptance issues but works fine online and in tier 1 cities. (P.S Amex should start issuing new cards in September. )
If you travel by flights and stay in hotels then axis atlas is a good option which you will get easily

For upgrading hdfc cc there are three ways. One is to send financial documents mainly last 3 month payslip to their chennai address.
Second way is to write to grievance redressal hdfc credit card with payslip and hope for the best. The third way is c2c, you can close the current hdfc card and since you have very high limit on icici card you can try c2c with hdfc. If you go the c2c method confirm with the hdfc branch/ that they do c2c
 
1. How to get saphhiro LTF ? Bank employee were useless in this regard . Any escalation matrix email ?
2. Will check on aupermoney , no clue as if yet
3. Hdfc Swiggy getting as FYF only. BTW what usage for this ?
4. RM is absolutely useless. Not even giving moneyback as LTF. Any other method please share
5. Axis ace I took paid since my utility bills were beyong Airtel axis limits and also for offline pos transaction 1.5% , more than airtel one. Do name drop any other axis card worth taking
1. Check ib
3. Swiggy app gives Ltf randomly. So depends on Luck
4. Check spend criteria Jdfc upgrade threads on Tf
5. Check Axis Privilege Amex Ltf thread
 
Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile:

**Profile:**

* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.

**Current Cards:**

1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024

**Looking for guidance on:**

* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.

Any tips or suggestions would be really appreciated.

Thanks in advance
Your portfolio of CCs consists of only Cashback cards which are not complicated and easy for beginners and returns are also ok but if you want more returns and earn airmiles or hotel points then you can try 1.Axis Atlas
2. HDFC Marriott Bonvoy
 
Your portfolio of CCs consists of only Cashback cards which are not complicated and easy for beginners and returns are also ok but if you want more returns and earn airmiles or hotel points then you can try 1.Axis Atlas
2. HDFC Marriott Bonvoy
As I mentioned not much of spender
3-4 domestic flights a year, 2-3 hitel stays (budget stays)
Currently using sbi cb fir these

Axis atlas & marriot seems too expensive

Currently prioritizing ltf or low fees cards
 
As I mentioned not much of spender
3-4 domestic flights a year, 2-3 hitel stays (budget stays)
Currently using sbi cb fir these

Axis atlas & marriot seems too expensive

Currently prioritizing ltf or low fees cards
To optimise current CS Just Use Cashback CC it will do all CCswork. Buy GC using Cashback CC and use accordingly.
 
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