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

[Sd949]

All life time free

ICICI
Amazon pay
Coral
Platinum
Rubex amex
Rubex master card

Sbi
Simply save
Simply click (500) but not given as 1lakh easily

IndusInd bank
Legend
Rupay card

Yes bank kiwi card

IDFC
Milenia
Rupay card

Axis
Neo
Flipkart axis (500)

Faderal
Celesta
Wave

Hdfc
Indianoil
Tata nue

 

[AshwiniS]

I have
1. ICICI Saphiro - LTF (Only used for free movie tickets)
2. SBI Cashback - All online spends (No renewal fees for 2 years now)
3. Amex Plat Travel - All misc and offline spends
4. HDFC Millenia LTF - To play around with statement cycle. (Have an offer to upgrade to Regalia Gold FYF)
5. Tata Neu Plus LTF - UPI Payments

I would appreciate if someone can suggest:
1. Best way to buy Amazon vouchers
2. Better way of utilising my cards than what I am doing.
3. Any more cards that I can add to my portfolio
4. Is it worth it to upgrade to Regalia gold FYF?

Thanks in advance.

 

[abhimarda]

Same pinch


Any tips and tricks how to get this as LTF?

If one is salaried and works in an organization which is listed with ICICI Bank then they can get it for free. I got Sapphiro Dual card LTF though I use it only when there is some ICICI offer which I want to use multiple times (e.g.discount on gold bar) on multiple ICICI cards.

 

[AshwiniS]

Same pinch


Any tips and tricks how to get this as LTF?

Best way to get ICICI Saphiro LTF is through the Alumni Program. They usually float this offer at least once a year

 

[sonbhadra]

My cards

Amazon pay icici LTF
ICICI Platinum LTF
ICICI CORAL LTF
SBI Simply save Rupay paid
SBI Simply click LTF
SBI CASHBACK Paid
Axis Flipkart LTF
AXIS MYZONE LTF
AXIS INDIAN OIL LTF
INDUSIND LEGEND LTF
INDUSIND RUPAY LTF
YES BANK BOYC PAID
YES BANK RUPAY LTF
PNB PREMIUM LTF
BOB EASY LTF
BOB HPCL LTF
HDFC MILLENIA LTF
HDFC RUPAY LTF
RBL DUET LTF
SUPER MONEY LTF

 

[cardy]

I don't use any credit card , as if I fail to pay even 1 installment by 1 day the PENALTY is huge and also I like to use the money that I have and also it increases the expense amount

If you have the self control and discipline you can still use the credit cards and be yourself.

 

[SanthoshSomu]

My cards

Amazon pay icici LTF
ICICI Platinum LTF
ICICI CORAL LTF
SBI Simply save Rupay paid
SBI Simply click LTF
SBI CASHBACK Paid
Axis Flipkart LTF
AXIS MYZONE LTF
AXIS INDIAN OIL LTF
INDUSIND LEGEND LTF
INDUSIND RUPAY LTF
YES BANK BOYC PAID
YES BANK RUPAY LTF
PNB PREMIUM LTF
BOB EASY LTF
BOB HPCL LTF
HDFC MILLENIA LTF
HDFC RUPAY LTF
RBL DUET LTF
SUPER MONEY LTF

How many credit cards do you use frequently?

 

[tirthdeo]

5 active 14 closed

 

[shubhamk06]

Hdfc diner club cc LTF
Idfc select cc LTF
Amazon pay icici cc LTF
Axis myzone cc LTF
Hdfc tata neu infinity LTF
Flipkart axis cc 588/- annual

I guess these many cc are enough for me for now so I stopped taking calls from cc companies like hsbc,citi, RBL, amex, indusland etc.

 

[Kamma Raghuram]

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.
25)IDFC Power + Chargeable
26)HSBC Live + flipped from Visa Platinum chargeable
27)Swiggy Hdfc Ltf
28)IndusInd Easy diner Signature credit card chargeable

 

[Aaaa]

Money back plus
Tata neu plus
Saphiro
Rbl banbazaar save max
Sbi simplyclick
Axis airtel

 

[launchcraft]

If you have the self control and discipline you can still use the credit cards and be yourself.

totally agreed if you have a proper discipline for you money, you can use credit card and earn much more from them.
And if one doesn't have that self control they tend to spend more even if it requires borrowing from someone.
We can't blame credit cards for our impulsive behaviour.

 

[Giant]

I have icici amazon card only.
Thinking of getting a new card probably rupay credit card.
Spends are mostly online 90% and upi payment most cases need good reward based on upi payments.

 

[hitirfan]

I have icici amazon card only.
Thinking of getting a new card probably rupay credit card.
Spends are mostly online 90% and upi payment most cases need good reward based on upi payments.

Try HDFC Tata Neu, they are offerred LTF till 31st December

 

[Titan]

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 to get SBI simplyclick LTF ?

 

[launchcraft]

I have icici amazon card only.
Thinking of getting a new card probably rupay credit card.
Spends are mostly online 90% and upi payment most cases need good reward based on upi payments.

Tata Neu Infinity gives 1.5% on every UPI spend done through their TATA NEU app.
Take this if your spends are mostly online and UPI.

 

[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

 

[santoshraut]

December 2024 : (Before 2025)

1) Axis Magnus Burgundy Metal

2) American Express Platinum Charge Card

3) HDFC Infinia Metal Card

4) HDFC BizBlack

5) HDFC TATA Neu (LTF)

6) American Express Gold Charge Card

7) Axis Atlas Card

8) ICICI Emeralde Infinite

9) IndusInd Bank AVIOS Card

10) AU Zenith Plus Metal

11) IndusInd Pioneer Heritage Metal Card

12) SBI Air India Signature

13) SBI Vistara

14) IDFC Club Vistara

15) ICICI Saphiro (AmEx & MC) LTF

16) Axis Vistara Infinite

17) RBL IndianOil XTRA Credit Card

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)

27) Axis My Zone (LTF)

28) Axis Rewards Credit Card (LTF)

29) Kotak Indian Oil

30) ICICI Coral Rupay LTF

31) ICICI Amazon Pay 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 migrated card = 5. Credit cards are very useful. I have my full control over my spends...

 

[shiv4u]

SBI Cashback
HDFC Millennia
HDFC TATA Neu Infinity
KOTAK PVR Platinum
One Indian Bank
ICICI Platinum
Only SBI Cashback card is chargeable.

 

[harsh_ujjwal]

December 2024 : (Before 2025)

1) Axis Magnus Burgundy Metal

2) American Express Platinum Charge Card

3) HDFC Infinia Metal Card

4) HDFC BizBlack

5) HDFC TATA Neu (LTF)

6) American Express Gold Charge Card

7) Axis Atlas Card

8) ICICI Emeralde Infinite

9) IndusInd Bank AVIOS Card

10) AU Zenith Plus Metal

11) IndusInd Pioneer Heritage Metal Card

12) SBI Air India Signature

13) SBI Vistara

14) IDFC Club Vistara

15) ICICI Saphiro (AmEx & MC) LTF

16) Axis Vistara Infinite

17) RBL IndianOil XTRA Credit Card

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)

27) Axis My Zone (LTF)

28) Axis Rewards Credit Card (LTF)

29) Kotak Indian Oil

30) ICICI Coral Rupay LTF

31) ICICI Amazon Pay 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 migrated card = 5. Credit cards are very useful. I have my full control over my spends...

Axis has 3 cards policy.. u got 5. Anything is possible..