Need Help Building My Credit Card Portfolio

bhavyakjain

KF Expert
Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile:

**Profile:**

* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.

**Current Cards:**

1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024

**Looking for guidance on:**

* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.

Any tips or suggestions would be really appreciated.

Thanks in advance
 

major23

KF Rookie
Isn't new Atlas issuance closed now? I contacted my RM and he said it is not being issued any more, read the same online too.

For op, you can probably check Tata Neu for UPI payments and ask for axis Airtel instead of ace for better utility payment rewards. Also you should be eligible for Sapphiro I think, you can contact the bank to check.
 

ritikpatel

KF Ace
🪪 My Ideal Credit Card Portfolio (2025)
💸 UPI: Yes Bank Kiwi
🎥 Movies/Lounge: IndusInd Tiger
🛒 Shopping: SBI Cashback, HDFC Swiggy, Tata Neu
⛽ Fuel: SBI Octane, IDFC HPCL, HDFC IOCL
⚙️ Utilities: Axis Airtel
🧳 Travel: HSBC TravelOne, Axis Atlas
 
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