How many active credit cards do you have? Flash your portfolio.

[krishna1718]

Sbi simply Save rupay (499+gst) got on nov 2024
Sbi bpcl octane rupay (1499+gst) march 2025
Axis neo rupay (LTF) april 2025
I'm hopping to take more life time free rupay cc
Any suggestions guys

You close simply save because you had sbi BPCL octane no use of using it better ask to upgrade to sbi cashback.. axis neo is waste card you check pre-approved airtel axis/Ace don't look for life time free they are just waste tissue paper when you have good water service

 

[BisMaj007]

I have got around 32 cards with mix of LTF and paid cards as well.
1. Axis Ace Paid
2. Axis Flipkart paid
3. Axis Airtel paid
4. Amex Smartearn
5. Amex MRCC ( lifetime annual charge of 1200+gst)
6. Standard Chartered Digismart paid
7. HDFC diners privilege paid
8. HDFC swiggy paid
9. HDFC Tata Neu Infinity LTF
10. HDFC pixel card(LTF , Visa+ Rupay)
11. HSBC platinum LTF
12. AU Bank Zenith+ paid ( renewal fee reversed)
13. Indusind Legend LTF
14. Indusind Rupay platinum ltf
15. Indusind eazydiner platinum ltf
16. Kiwi Yes bank card LTF
17. ICICI HPCL super saver paid
18. ICICI hpcl coral ltf
19. ICICI coral rupay ltf
20. ICICI Amazon pay ltf
21. SBI BPCL card paid
22. Sbi simplyclick card paid
23. Kotak league platinum ltf
24. PNB rupay select ltf
25. Canara Bank rupay platinum ltf
26. Bob premier ltf
27. BOB snapdeal paid
28. Federal Bank imperio ltf
29. IDFC first select ltf
30. RBL icon card ltf
31. RBL world safari LTF
32. Onecard ltf.

Trying to apply
1. SBI cashback
2. Upgrade HDFC DCP to DCB
3. Get union bank rupay wellness credit card.
4. Upgrade to emeralde private ( showing upgrade to emeralde only in app)

 

[Ayan37]

I have got around 32 cards with mix of LTF and paid cards as well.
1. Axis Ace Paid
2. Axis Flipkart paid
3. Axis Airtel paid
4. Amex Smartearn
5. Amex MRCC ( lifetime annual charge of 1200+gst)
6. Standard Chartered Digismart paid
7. HDFC diners privilege paid
8. HDFC swiggy paid
9. HDFC Tata Neu Infinity LTF
10. HDFC pixel card(LTF , Visa+ Rupay)
11. HSBC platinum LTF
12. AU Bank Zenith+ paid ( renewal fee reversed)
13. Indusind Legend LTF
14. Indusind Rupay platinum ltf
15. Indusind eazydiner platinum ltf
16. Kiwi Yes bank card LTF
17. ICICI HPCL super saver paid
18. ICICI hpcl coral ltf
19. ICICI coral rupay ltf
20. ICICI Amazon pay ltf
21. SBI BPCL card paid
22. Sbi simplyclick card paid
23. Kotak league platinum ltf
24. PNB rupay select ltf
25. Canara Bank rupay platinum ltf
26. Bob premier ltf
27. BOB snapdeal paid
28. Federal Bank imperio ltf
29. IDFC first select ltf
30. RBL icon card ltf
31. RBL world safari LTF
32. Onecard ltf.

Trying to apply
1. SBI cashback
2. Upgrade HDFC DCP to DCB
3. Get union bank rupay wellness credit card.
4. Upgrade to emeralde private ( showing upgrade to emeralde only in app)

vai apke pass itna sara card hay or kayse mila thora explain karo please jisse hum log bhi hamare credit card journey ko optimize kar sake. or vai ap to approx 15k annual fee pay karte ho?

 

[BisMaj007]

vai apke pass itna sara card hay or kayse mila thora explain karo please jisse hum log bhi hamare credit card journey ko optimize kar sake. or vai ap to approx 15k annual fee pay karte ho?

Bhai 7 years se try karte karte nd cibil score build karke salary income proof se sara cards liya hai.
1.Hdfc freedom card se start kiya tha nd upgrade hote hote DCP aaya.. baaki 3 hdfc card haali mein launch k baad liya hai..
2. Smartearn card pehle chargeable mila fir Technofino community se referral link se amexrcc liya 1200 rs charges mein.
3. Icici ka salary account tha isiliye milne mein problem nhi hua.
4.HSBC, Standard chartered, citibank etc sare cards salary income proof se liya.
5. AU bank ka recently 1 year pehle mila cz govt employee huyn nd unlog jyadatar govt employee ko provide karta hai easily nd agar apka location serviceable hai taab apne highest limit wale card se card to card apply karna and atleast 6 mnths ka gap rakhna padta hai.
6.canara bank ka card k liye usmein account kholna hoga aapko.
7. Axis ka initial limit kam milega but upon usage usmein limit badegi bahut.
Mein khuud jyada travel nhi karta isiliye mera spendings sare utilities,shopping online nd offline, upi payments regarding hai so mere sare cards aise hai ki jo upi, grocery, utilities nd shopping nd lifestyle benefits jyada ho nd cashback mile.

15k annual fees nhi hota cz jyadatar paid cards mein mera spending based waiver ho jata hai...nd firbhi 7-8 k annual fee pay karna padta hai inclusive of gst.
Thanks for the query bro and if u have any more queries pr ny specific card related query u can always let me know.
Regards
Biswadeep

 

[Azadirata]

You close simply save because you had sbi BPCL octane no use of using it better ask to upgrade to sbi cashback.. axis neo is waste card you check pre-approved airtel axis/Ace don't look for life time free they are just waste tissue paper when you have good water service

How can i upgrade to sbi cashback. Also does the cashback cc has good reward redemption method, As i have given around points worth 1800₹ (7200points) from simply save to get 1000₹ worth flipkart voucher. And i feel it's useless in reedeming points. Does the cashback has such issue?

 

[krishna1718]

How can i upgrade to sbi cashback. Also does the cashback cc has good reward redemption method, As i have given around points worth 1800₹ (7200points) from simply save to get 1000₹ worth flipkart voucher. And i feel it's useless in reedeming points. Does the cashback has such issue?

sbi cashback dont have rewards directly 5% cashback settled in next statement. but sbi cashback is not eligible for flipkart or amazon 10 % instant discount thats drawback

 

[Azadirata]

sbi cashback dont have rewards directly 5% cashback settled in next statement. but sbi cashback is not eligible for flipkart or amazon 10 % instant discount thats drawback

That's not an issue for me as i already got bpcl octane with me.and settling the cashback in next bill is better than unnecessary vouchers. So how can i convert simple save to cashback

 

[shalabh]

IDFC First Wealth LTF
IDFC First Select LTF
ICICI Shaphiro LTF
ICICI Amazon LTF
OneCard LTF
Scapia LTF
Axis Neo LTF
AU Ixigo LTF
Amex MRCC paid
HSBC Millenia LTF

 

[krishna1718]

That's not an issue for me as i already got bpcl octane with me.and settling the cashback in next bill is better than unnecessary vouchers. So how can i convert simple save to cashback

Call customer care to upgrade or close simple save and apply sbi cashback freshly. Sbi cashback was demanding card if you have sbi account through yono app you can apply it has better acceptance