There was an LTF offer from Axis bank I think a couple of years ago and I got it.
How many active credit cards do you have? Flash your portfolio.
- Thread starter Gogineni
- Start date
I have got the below for rewards and cashbacks,
suggestions are welcome
1) Amex MRCC and smart earn
2) SBI ELITE
3) SBI BPCL
4) INDUS LEGEND
5) AU VETTA
6) Flipkart axis
7) AXIS Privilege
8) Axis Select
9) ICICI AMAZON
10) ICICI CORAL
11) ICICI MMT
12) ICICI RUBYX
13) ICICI EXPRESSION
14) HDFC MILLENIA
15) HSBC CASHBACK
16) Yes ELITE
17) IDFC MILLENNIUM
18) RBL WORLD SAFARI
suggestions are welcome
1) Amex MRCC and smart earn
2) SBI ELITE
3) SBI BPCL
4) INDUS LEGEND
5) AU VETTA
6) Flipkart axis
7) AXIS Privilege
8) Axis Select
9) ICICI AMAZON
10) ICICI CORAL
11) ICICI MMT
12) ICICI RUBYX
13) ICICI EXPRESSION
14) HDFC MILLENIA
15) HSBC CASHBACK
16) Yes ELITE
17) IDFC MILLENNIUM
18) RBL WORLD SAFARI
santoshraut
KF Expert
July 2024:
1) HDFC Infinia Metal
2) HDFC BizBlack
3) HDFC TATA Neu LTF
4) Axis Vistara Infinite
5) Axis Magnus
6) Axis Reward & CashBack 2
7) Axis Atlas
8) IndusInd Club Vistara Explorer
9) IndusInd Pinnacle
10) AU Zenith Plus
11) IDFC Club Vistara
12) SBI Air India Signature
13) SBI Vistara
14) ICICI Emeralde Infinite
15) ICICI Saphiro (AmEx & MC) LTF
16) ICICI Amazon Pay LTF
17) ICICI Coral Rupay LTF
18) Standard Chartered Ultimate
19) PNB Select Rupee
20) Kotak Royale LTF
21) Yes Prosperity LTF
22) HSBC Platinum LTF
23) IDFC Select LTF
24) OneCard LTF
25) Jupiter Edge CSB
26) IDBI Aspire LTF
+ few more
Using credit cards since last 16 years, till date no single rupee of fine or penalty. Currently my CIBIL Score is 804. Every year i travel free for atleast thrice free of cost (Including flights, hotels, food etc) in India and abroad also. I am holding axis banks 5 credit cards, yes thats right, they have new 4 card policy + 1 Citi bank migratd card = 5. Credit cards are very useful. I have my full control over my spends.
1) HDFC Infinia Metal
2) HDFC BizBlack
3) HDFC TATA Neu LTF
4) Axis Vistara Infinite
5) Axis Magnus
6) Axis Reward & CashBack 2
7) Axis Atlas
8) IndusInd Club Vistara Explorer
9) IndusInd Pinnacle
10) AU Zenith Plus
11) IDFC Club Vistara
12) SBI Air India Signature
13) SBI Vistara
14) ICICI Emeralde Infinite
15) ICICI Saphiro (AmEx & MC) LTF
16) ICICI Amazon Pay LTF
17) ICICI Coral Rupay LTF
18) Standard Chartered Ultimate
19) PNB Select Rupee
20) Kotak Royale LTF
21) Yes Prosperity LTF
22) HSBC Platinum LTF
23) IDFC Select LTF
24) OneCard LTF
25) Jupiter Edge CSB
26) IDBI Aspire LTF
+ few more
Using credit cards since last 16 years, till date no single rupee of fine or penalty. Currently my CIBIL Score is 804. Every year i travel free for atleast thrice free of cost (Including flights, hotels, food etc) in India and abroad also. I am holding axis banks 5 credit cards, yes thats right, they have new 4 card policy + 1 Citi bank migratd card = 5. Credit cards are very useful. I have my full control over my spends.
santoshraut
KF Expert
It's not fixed, some time 1 to 2 lac, some time 10 lac also... but yes, annual spending is about 50 Lac.
I would like to have a chat or call with you to know the reward points structure well. Specially the free flight tickets in a year. My spending is 12 lac per month. So may be I can learn few things from you. If you don’t mind
India:
- AMEX MRCC
- AMEX Platinum Travel
- Axis Atlas
- AU LIT
- HDFC TATA Neu Infinity LTF
- HDFC Diners Club Privilege
- Yes Select
- RBL World Safari
- IDFC Select
- SBI Etihad Premier
- SBI Air India Signature
- Emirates Skywards ICICI Bank Emeralde
- IndusInd EazyDiner Signature
- IndusInd Legend
- AMEX Gold
- AMEX Air France-KLM Gold
- Société Générale VISA Infinite
is it worth to have SBI Air India Signature card? I have heard that their miles transfer and customer support regarding the earning miles is quite difficult? Also, having SBI card along with Axis is beneficial, as I can see you have so many travel cards?
I won't say it's difficult, it's clumsy. Yes, I mostly have travel cards due to frequent trips abroad and to India. I am a frequent flyer with Etihad so I transfer/ optimise most of the points for Etihad. SBI card gives me Gold Status on Eithad, Axis gives me 1:2 points for it. For Emirates, the ICICI card gives me a silver-tier membership.
SanthoshSomu
KF Expert
Amazon pay
SBI cashback
Hdfc millennia all 3 for online only.
You can maintain sbi cashback for online that is enough.
17ysaurabh
KF Mentor
I use HDFC Millenia via Smartbuy for booking tickets - bus, train and flights. It saves more.
And I use SBI Cashback for the remaining online expenses.
Amazon Pay ICICI is LTF and I no longer use it.
Skylar
KF Master
Master card is missing.
SanjuNandi
KF Ace
Amazon Pay ICICI Bank CC - LIFETIME FREE
HDFC Moneyback+ CC - LIFETIME FREE
Axis Neo CC - LIFETIME FREE
Yes Bank Rupay CC - LIFETIME FREE
SBI SimplyClick CC - Chargable (T_T)
I have a question, can I keep multiple CCs ? Will it affect? Anyone clear my doubt plz.
HDFC Moneyback+ CC - LIFETIME FREE
Axis Neo CC - LIFETIME FREE
Yes Bank Rupay CC - LIFETIME FREE
SBI SimplyClick CC - Chargable (T_T)
I have a question, can I keep multiple CCs ? Will it affect? Anyone clear my doubt plz.
wcgxlr8
KF Mentor
Yes, you can hold multiple cards, it won’t affect your score in the long run(short term fluctuations may happen) as long as you pay the full amount every cycle.Amazon Pay ICICI Bank CC - LIFETIME FREE
HDFC Moneyback+ CC - LIFETIME FREE
Axis Neo CC - LIFETIME FREE
Yes Bank Rupay CC - LIFETIME FREE
SBI SimplyClick CC - Chargable (T_T)
I have a question, can I keep multiple CCs ? Will it affect? Anyone clear my doubt plz.
Yes. But will it make a difference? It was never offered and it is not on purpose.
Skylar
KF Master
sometimes card variant specific offers will come for that and also few portals for international transactions only accept master card.Yes. But will it make a difference? It was never offered and it is not on purpose.
I know there is a new RBI guidelines, which will let us change this. in coming few months it will be implemented.
But what is the process now, when we apply for a new card do we need to connect the customer care and request for the variant? Because I have hardly seen the option to select a variant in the form when applying for new card
