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

[anisharya16]

you look like life time free

Yes, my spends are not that much to pay annual fee. Hence I go for LTF cards which will be best for me.

 

[krishna1718]

Yes, my spends are not that much to pay annual fee. Hence I go for LTF cards which will be best for me.

you have some useless cards better you close some not using cards stick with 1 card from 1 bank the more cards you have more trouble you will fall with useless cards and manage properly try to get all bill date to same day for better access

 

[anisharya16]

you have some useless cards better you close some not using cards stick with 1 card from 1 bank the more cards you have more trouble you will fall with useless cards and manage properly try to get all bill date to same day for better access

I feel it. But now I am able to manage it. What cards are you suggesting to close it?

 

[krishna1718]

I feel it. But now I am able to manage it. What cards are you suggesting to close it?

HDFC Rupay UPI LTF its useless since you have hdfc millenia
ICICI Coral Rupay LTF its useless since you have icici coral visa same features if 10% instant is not available in rupay you can close if available close visa instead of rupay
Federal Wave Rupay LTF since you have federal celesta
stick with 1 good visa 1 good mastercard and 1 good rupay
BOB Premier LTF if it is rupay then good and i dont think other rupay cards in your list are that much useful

 

[hitirfan]

1. HDFC IOCL Paid.
2. HDFC Swiggy LTF
3. JK Bank Platinum LTF
4. BOB Easy LTF
5. BOB Energia LTF
6. Axis Neo LTF
7. Axis Airtel Paid
8. Super Card Flipkart (Secured)

 

[anisharya16]

HDFC Rupay UPI LTF its useless since you have hdfc millenia
ICICI Coral Rupay LTF its useless since you have icici coral visa same features if 10% instant is not available in rupay you can close if available close visa instead of rupay
Federal Wave Rupay LTF since you have federal celesta
stick with 1 good visa 1 good mastercard and 1 good rupay
BOB Premier LTF if it is rupay then good and i dont think other rupay cards in your list are that much useful

HDFC Rupay, i actually thought 3x rp was good until I realised the value of 1rp. I actually thought about it weeks later. I hardly use it. Maybe in future I'll close it.
Federal Wave also I don't use it, but I just got it months ago, so am not closing it.

My main rupay card on UPI is Bob premier and 2nd option is coral rupay. However I have got theses cards in this year, so I will keep them and remove them in future use.

 

[AVN]

Card name / Annual Fees / Min spend to waive fees
SBI Prime / 2999 / 3lkhs
SBI BPCL / 499 / 50k
HSBC Live+ / 999 / 2lkhs
HSBC Platinum / LTF / LTF
IDFC First Wealth / LTF / LTF
IDFC WOW / LTF / LTF(Secured card)
Axis rewards / 1000 / 30k
HDFC Swiggy / LTF / LTF
AMEX MRCC / 4500 / 1.5lkhs

 

[noobmaster]

Just starting now I only have
Supermoney Utkarsh small finance Bank cc ltf

 

[Bhuvanchandra M]

HDFC MoneyBack and Airtel Axis

 

[infotojatinder]

HDFC DINERS CLUB BLACK 9L/LTF
ICICI RUBYX 6L/LTF
ICICI CORAL 6L/LTF
AXIS MY ZONE 2.25L/LTF
FEDERAL BANK SCAPIA 1.32L/LTF
INDUSLND LEGEND 1L/LTF
RBL INDIAN OIL XTRA 0.5L/1500

 

[RitamModak]

Axis Airtel (500+GST)
Axis Neo LTF
Axis Flipkart (500+GST)
IDFC FIRST MILLENIA LTF
ONE CARD LTF
AXIS ace (500+GST) (on my Fathers name but managed by me)

 

[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
24)RBL Play BMS Chargeable but easy to get the annual fee reversal by request.

 

[prpillz]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

 

[Mr.Christmas]

Mine
IDFC First Select LTF
ICICI shaphiro LTF
HDFC Tata Neu LTF
OneCard LTF
RBL shoprite LTF
indusind platinum credit card LTF
Axis myzone,neo LTF and Filpkart Paid
Kotak urbune gold LTF
pnb platinum LTF
bonb easy LTF
HSBC platinum LTF
SBI smiplyclick LTF

How You Get SBI Simply Click LTF?

 

[krishna1718]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

SBI cashback or HDFC Millenia choose 1 if its sbi cashback close sbi simply click ,Hdfc millenia, swiggy hdfc if millenia close sbi cashback, swiggy. IDFC or SC titanium choose 1 go with sc, sc smart close rest cards , close axis horizon if you dont use my suggestion amazon, sbi cashback, tata neu infinity plus, sc titanium,sc smart enough

 

[underground_7]

SBI UNNATI CARD(against FD)

 

[Card_Master157]

Mine
IDFC First Select LTF
ICICI shaphiro LTF
HDFC Tata Neu LTF
OneCard LTF
RBL shoprite LTF
indusind platinum credit card LTF
Axis myzone,neo LTF and Filpkart Paid
Kotak urbune gold LTF
pnb platinum LTF
bonb easy LTF
HSBC platinum LTF
SBI smiplyclick LTF

Itne saare wo bhi LTF WOW

 

[drprakashvaliya]

i have
Amazon icici
Make my trip icici
Icici platinum
Icic coral
Sbi Bpcl
Idfc Select
Rbl Book my show
Rbl Shop rite
Hdfc millenia
Hdfc paytm
Hdfc rupay
Axis Indian oil
Axis Flipkart
Axis visa previlage
Hsbc Platinum
pnb rupay
Union bank rupay
Yes bank rupay
Yes bank Prospiraty
Bob energy
Bob easy
Indusind bank rupay
Thats all in my portfolio

 

[krishna1718]

i have
Amazon icici
Make my trip icici
Icici platinum
Icic coral
Sbi Bpcl
Idfc Select
Rbl Book my show
Rbl Shop rite
Hdfc millenia
Hdfc paytm
Hdfc rupay
Axis Indian oil
Axis Flipkart
Axis visa previlage
Hsbc Platinum
pnb rupay
Union bank rupay
Yes bank rupay
Yes bank Prospiraty
Bob energy
Bob easy
Indusind bank rupay
Thats all in my portfolio

looks like you have catlogue not portfolio

 

[Sd949]

Same pinch


Any tips and tricks how to get this as LTF?

Salary above 1.25lakh