Rate my Credit Card Portfolio

[Anupama_Jha]

I am building my credit card portfolio and I currently hold the following cards:
1. ICICI Amazon Pay : 4.2L (LTF), since Aug 2021
2. Axis Select LTF: 4.2L (Conditional LTF), since Jan 2024
3. Kotak White LTF: 4.2L (Conditional LTF), since Dec 2023
4. OneCard LTF: 4.2L (LTF), since Jun 2022
5, Amex MRCC: 2.6L (4.5K), since Dec 2022

I’m now waiting for the cooling period for the next 2-3 months as i’ve already applied and got 2 cards (Axis and Kotak).

Please recommend good cards that I should add in my portfolio.
1. I am usually traveling and would like to use cards to do so. Currently I use two cards for international transactions:

1. Fi Bank (Federal Bank): Savings A/c with visa exchange rates. No Charges
2. Niyo DCB Bank: Current A/C with visa exchange rates. 499/yr

2. I’ve got the kotak white and axis select as i have opened privy league and burgundy accounts respectively and will soon close them down. Also thinking of closing the kotak white card soon.
3. My primary objective is to spend internationally and not loose on FOREX charges.
4. I’m now looking to get the premium lineup cards by Yes, HDFC, IDFC. Specifically YES Marquee to start with and I’m building my eligibility accordingly.
5. My current CIBIL is 798. I am also concerned on how to manage/enhance my CIBIL in my pursuit for a good card portfolio.
6. Please do add in any other recommendations or suggestions if you have any.

How have u matched credit limit of every cards ? Through ITR/Salary Slip or simple mails !!

 

[Vasuki]

How to get idfc wealth dc? What’s the MAB required?

Go to bank tomorrow hand out 5 l cheque .ask for direct wealth account .

You can get call from branch ( if u want to - everyone from that branch will call u can choose with whom your vibe match 😁)

There is no downgrade seen as of now

Maintain 1-2 max .. after 1 month

3_4 lakh in 1st month


If u get wealth free 2k worth amazon voucher
If u add family ( everyone gets 2k free)


Just avoid using upi of their rest for dc its good

Lounge access is comprehensive look in their website

 

[omkard]

Go to bank tomorrow hand out 5 l cheque .ask for direct wealth account .

You can get call from branch ( if u want to - everyone from that branch will call u can choose with whom your vibe match 😁)

There is no downgrade seen as of now

Maintain 1-2 max .. after 1 month

3_4 lakh in 1st month


If u get wealth free 2k worth amazon voucher
If u add family ( everyone gets 2k free)


Just avoid using upi of their rest for dc its good

Lounge access is comprehensive look in their website

Can I also get the wealth CC using this?

 

[omkard]

How have u matched credit limit of every cards ? Through ITR/Salary Slip or simple mails !!

It was automatic for the most part. amazon pay is the card I've held the longest which gave me the limit, then it was followed by Axis and Kotak when I opened wealth acc with them and one card did the same. I didn't ask for anything. I only asked Amex to increase the cc limit recently but amex gave me only a 30k on top of what I had already which is utter disappointment as I mostly use this card.

 

[Vasuki]

Can I also get the wealth CC using this?

Wealth cc .. is different

Their saving account & cc have no relationship with each other

 

[bhavyakjain]

Wealth cc .. is different

Their saving account & cc have no relationship with each other

I want IDFC wealth CC
Currently ntb to IDFC

I have apay, axis Ace, for a while now
Got amex mrcc, amex plat travel and ICICI coral this month with good linits

Can I get wealth CC on C2C basis ?

 

[Vasuki]

I want IDFC wealth CC
Currently ntb to IDFC

I have apay, axis Ace, for a while now
Got amex mrcc, amex plat travel and ICICI coral this month with good linits

Can I get wealth CC on C2C basis ?

Yeah apply online put your existing cc details
. salary 3lakh pm

If they show eligible for wealth go ahead .. if u are shown select ,classic ,


But one thing is get ready for 2-3 hit if u don't get wealth option in 1st time



Idfc all card are c2c online . Just put card detail in 2nd or 3rd step i guess..

 

[bhavyakjain]

Yeah apply online put your existing cc details
. salary 3lakh pm

If they show eligible for wealth go ahead .. if u are shown select ,classic ,


But one thing is get ready for 2-3 hit if u don't get wealth option in 1st time



Idfc all card are c2c online . Just put card detail in 2nd or 3rd step i guess..

Will try in 1-2 months then

Already have 3-4 hits this month

 

[omkard]

Yeah apply online put your existing cc details
. salary 3lakh pm

If they show eligible for wealth go ahead .. if u are shown select ,classic ,


But one thing is get ready for 2-3 hit if u don't get wealth option in 1st time



Idfc all card are c2c online . Just put card detail in 2nd or 3rd step i guess..

Thanks for your input Doc! appreciate it!

Do you have a recommendation for a cc with both online and offline (international as well) spend and with better reward rate against the forex markup which is good. My spends are 40% offline usually travel(dining, shopping ) and 60% online usually (flights, shopping, utilities)

 

[Vasuki]

Thanks for your input Doc! appreciate it!

Do you have a recommendation for a cc with both online and offline (international as well) spend and with better reward rate against the forex markup which is good. My spends are 40% offline usually travel(dining, shopping ) and 60% online usually (flights, shopping, utilities)

For offline atlas is good ..
4%

International - there is thread seach it