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

[SanjuNandi]

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.

Thank you so much for clarification.

 

[sam16]

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.

Hey @santoshraut It looks like you've alot of paid cards. Are you able to reach spend threshold on each to waiver the fees for next year ?

What's the average amount each year you dish out on Card fees?

Also last question, how did you get 2 IndusInd cards? I own Legend and they are behind me to upgrade to Pinnacle but I want the Tiger Card and whenever I apply on portal it says you already have IndusInd credit card.

Also, you mentioned you've few more, I'm curious to know which you missed.

 

[wcgxlr8]

August Update:

Amazon Pay ICICI
Regalia Gold
Swiggy HDFC
Tata Neu Infinity
SC Platinum
IDFC Wealth
Axis Neo
Amex MRCC
Amex Platinum Travel
Amex Platinum charge
SBI Elite
Yes Marquee
OneCard Federal

 

[Neeraj920]

August Update:

Amazon Pay ICICI
Regalia Gold
Swiggy HDFC
Tata Neu Infinity
SC Platinum
IDFC Wealth
Axis Neo
Amex MRCC
Amex Platinum Travel
Amex Platinum charge
SBI Elite
Yes Marquee
OneCard Federal

Hi,
Does Yes bank ask for salary slip during the Marquee card application or can be applied using other bank card?

 

[wcgxlr8]

Hi,
Does Yes bank ask for salary slip during the Marquee card application or can be applied using other bank card?

I provided my ITR, unsure of the card to card application

 

[kedarjoshi]

Axis Bank Titanium
Axis Bank IndianOil RuPay
Axis Bank Neo LTF
ICICI Bank Sapphiro LTF
ICICI Bank Sapphiro AMEX LTF
ICICI Bank Coral RuPay LTF
ICICI Bank Amazon Pay LTF
HDFC Bank Millennia
HDFC Bank Paytm
HDFC Bank Tata Neu Infinity
IDFC First Bank Power+
IDFC First Bank WOW LTF
Kotak Bank League LTF
Kotak Bank RuPay LTF
IndusInd Bank Signature Legend LTF
IndusInd Bank Platinum RuPay LTF
American Express SmartEarn
Standard Chartered Bank Rewards LTF

 

[SanthoshSomu]

Mine
1. SBI Simply Save LTF
2. ICICI Amazon Pay LTF
3. HDFC Millennia LTF
4. HDFC Tata Neu Infinity Rupay Paid Rs.1769
5. Axis Neo LTF
6. Axis Airtel Paid Rs.590
7. IDFC Select LTF
8. Kotak League Rupay LTF

How did you get SBI simple save LTF?

 

[Bantu]

How did you get SBI simple It is offered lifetime free for SBI Staff

How did you get SBI simple save LTF?

It is offered lifetime free for SBI Staff.

 

[Vara Prasad]

Here's mine with fee and usage, hope this helps others.

S. No	Card Name	Fees	Primary Usage
1	HDFC Tata Neu Credit Card	₹590	Grocery - BBnow, UPI
2	RBL Bank Bazaar Credit Card	LTF	3500 reward points, BookMyShow Offer
3	Axis Flipkart Credit Card	₹590	Flipkart Shopping
4	Axis Airtel Credit Card	₹590	25% Airtel Broadband, 10% Electricity & Gas Bill, 10% on Swiggy & Zomato
5	ICICI Amazon Pay Credit Card	LTF	Amazon Shopping + Flight/Train Booking, 2% off on Utility, Recharges
6	Kotak Zen Signature Credit Card	LTF	Offline Spends, Lounge Access
7	Standard Charted Smart Credit Card	₹590	Insurance, Advance Tax, Sometimes 10% off on Blinkit
8	IndusInd Legend Credit Card	LTF	1 Lounge Access
9	IDFC Select Credit Card	LTF	Offline Spends, 2 Lounge Access
10	AU Zenith+ Credit Card	₹1,000	4 BOGO per Qtr, 4 per Qtr Lounge Access, International Payments
11	SBI Cashback Credit Card	₹1,178	Online shopping other than Amazon & Flipkart
12	SBI SimplySave Credit Card	₹590	SBI Offers on Amazon & Flipkart

Total Annual CC Fee: 5,128
Total Annual Cashback: 36,310

Hi,

You can pay any insurance bill in Tata Neu app using hdfc tata neu infinity card and get 5% as neu coins.
I have paid my LIC premium thrice and got 5%.

Note: Make the payment using credit card by entering card details and cvv, not via credit card upi.

 

[Yahiya]

1) HDFC Infinia Metal
2) HDFC TATA NEU LTF
3) HDFC Swiggy
4) Axis Vistara Infinite
5) Axis Magnus
6) Axis Reward
7) Axis Atlas
8) IndusInd Club Vistara Explorer
9) Standard Chartered Ultimate
10) AU Zenith Plus
11) IDFC Club Vistara
12) SBI CashBack
13) SBI Vistara
14) ICICI Amazon Pay LTF
15) ICICI MakeMyTrip LTF
16) ICICI Rubyx LTF
17) ICICI Coral Rupay LTF
18) AmEx SmartEarn
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
+ 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 4 credit cards, yes thats right, they have new 4 card policy. Credit cards are very useful. I have my full control over my spends.

How much fee do you end up paying every year?

 

[Kamma Raghuram]

Mine

IDFC First Millennia LTF
ICICI Amazon Pay, Coral Rupay, Platinum Chip LTF
HDFC Millennia New LTF, Tata Neu Paid
OneCard LTF
RBL Platinum Edge SuperCard LTF
indusind platinum credit card LTF
Axis Ace Paid
Kotak MOjo LTF

Credit cards I hold:
1)Axis Ace Chargeable
2)Flipkart Axis Ltf
3)Axis My Zone Ltf
4)Hdfc Millennia Ltf
5)Hdfc Tata Neu Infinity ltf
6)Sbi Simply click converted to ltf
7)Amazon Pay ICICI Ltf
8)ICICI Coral Rupay Ltf
9)Hpcl ICICI Ltf
10)Au Lit Ltf
11)IDFC MILLENNIA Ltf
12)Kotat League Platinum Rupay Card Ltf
13)One Card Metal Ltf
14)RBL SHOPRITE Ltf
15)Yes Bank Finbooster Ltf
16)BOB Easy Ltf
17)IndusInd Legend Ltf
18)SCB Platinum Rewards Card Ltf
19)SCB Smart Card Chargeable.
20)Scapia Federal Bank Ltf
21)HSBC Visa Platinum Ltf
22)BOB HPCL Energie Ltf
23)ICICI Rubyx Dual Cards Ltf

 

[raghavgarg]

Mine

IDFC First Millennia LTF
ICICI Amazon Pay, Coral Rupay, Platinum Chip LTF
HDFC Millennia New LTF, Tata Neu Paid
OneCard LTF
RBL Platinum Edge SuperCard LTF
indusind platinum credit card LTF
Axis Ace Paid
Kotak MOjo LTF

How do you get rbl card ltf

 

[Skylar]

How do you get rbl card ltf

Bro, why do you want RBL cards?
The way they scam people and devalue the card, I don't think its worthy

 

[zacobite]

Hey @santoshraut It looks like you've alot of paid cards. Are you able to reach spend threshold on each to waiver the fees for next year ?

What's the average amount each year you dish out on Card fees?

Also last question, how did you get 2 IndusInd cards? I own Legend and they are behind me to upgrade to Pinnacle but I want the Tiger Card and whenever I apply on portal it says you already have IndusInd credit card.

Also, you mentioned you've few more, I'm curious to know which you missed.

its more about hw much are the spends to get 3 trips.. excellent collx.. good luck

 

[zacobite]

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.

.. excellent collx.. good luck.. you are a collector..

 

[raghavgarg]

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.

How do you get yes prosperity as LTF

 

[katbose]

Mine -- katbose --
SimplyCLICK SBI Credit Card (500+gst)
Cashback SBI Card (999+gst)
MoneyBack+ HDFC Bank Credit Card (LTF)
HDFC Rupay HDFC Bank Credit Card (99+gst)
Tata Neu HDFC Bank Credit Card (500+gst)
Kotak League Platinum Credit Card (LTF)
Kotak Myntra Credit Card (500+gst)
Kotak UPI Credit Card (LTF)
IDFC FIRST Millennia Credit Card (LTF)
IDFC FIRST SWYP Credit Card (500+gst)
IDFC First HPCL Power Plus Credit Card (500+gst)
Coral RupayICICI Bank Credit Card (LTF)
MakeMyTrip ICICI Bank Signature Credit Card (2500+gst only joining)
HPCL Super Saver ICICI Bank Credit Card (500+gst)
Mine ICICI Bank Credit Card (149+gst only joining)
Amazon Pay ICICI Bank Credit Card (LTF)
ICICI Rubyx Dual Credit Card (AMEX&MASTER) (LTF)
AU Small Finance Bank LIT Credit Card (LTF)
YES Bank Select Credit Card (500+gst)
YES BANK RuPay Credit Card (LTF)
HSBC Visa Platinum Credit Card (LTF)
Axis MY ZONE Credit Card (LTF)
SBM MAGNET Credit Card (LTF)
OneCard Credit Card (LTF)
Standard Chartered Smart Credit Card (500+gst) 1sy year free
IndusInd Bank Legend Credit Card (LTF)
PNB Patanjali RuPay Credit Card (LTF)
Bank of Baroda Premier Credit (LTF)

 

[gagan43]

IDFC millennia And IDFC First business (Shared limit) LTF
Icici amazon pay LTF
Hdfc select paytm
Hdfc swiggy LTF
One Card LTF
Sbi simply save (500 fee)
RBL paisabazar LTF
Axis Neo LTF

 

[Raj2708]

ICICI Amazon Pay, Coral Rupay, Platinum Chip LTF
Tata Neu Plus LTF
Flipkart Axis Bank 499+gst
Axis neo LTF

 

[zacobite]

Mine -- katbose --
SimplyCLICK SBI Credit Card (500+gst)
Cashback SBI Card (999+gst)
MoneyBack+ HDFC Bank Credit Card (LTF)
HDFC Rupay HDFC Bank Credit Card (99+gst)
Tata Neu HDFC Bank Credit Card (500+gst)
Kotak League Platinum Credit Card (LTF)
Kotak Myntra Credit Card (500+gst)
Kotak UPI Credit Card (LTF)
IDFC FIRST Millennia Credit Card (LTF)
IDFC FIRST SWYP Credit Card (500+gst)
IDFC First HPCL Power Plus Credit Card (500+gst)
Coral RupayICICI Bank Credit Card (LTF)
MakeMyTrip ICICI Bank Signature Credit Card (2500+gst only joining)
HPCL Super Saver ICICI Bank Credit Card (500+gst)
Mine ICICI Bank Credit Card (149+gst only joining)
Amazon Pay ICICI Bank Credit Card (LTF)
ICICI Rubyx Dual Credit Card (AMEX&MASTER) (LTF)
AU Small Finance Bank LIT Credit Card (LTF)
YES Bank Select Credit Card (500+gst)
YES BANK RuPay Credit Card (LTF)
HSBC Visa Platinum Credit Card (LTF)
Axis MY ZONE Credit Card (LTF)
SBM MAGNET Credit Card (LTF)
OneCard Credit Card (LTF)
Standard Chartered Smart Credit Card (500+gst) 1sy year free
IndusInd Bank Legend Credit Card (LTF)
PNB Patanjali RuPay Credit Card (LTF)
Bank of Baroda Premier Credit (LTF)

wow..do you really use / need so many.. would love to understand the use case of so many ccs