Discussion Share Your Credit Cards Portfolio

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Abhinav

Abhinav

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We had created finance section a while ago, let's make it grow to maximize our financial awareness. Starting with credit card.

We all have different strategies when it comes to managing our credit cards, whether it's maximizing rewards, building credit, getting the best travel perks, or the premium services it provides.

In this thread, you can share your credit card portfolio giving others insights and helping them make informed decisions. Don't forget to hide your card details while posting.
 
Currently I have four credit cards.
  • ICICI Amazon Pay (VISA) - ₹90k
  • ICICI Platinum (VISA) - ₹90k
  • ICICI Coral (RuPay) - ₹90k
  • Kotak League Platinum (RuPay) - ₹85k
Getting ICICI Credit Cards is pretty easy. There was a inquiry only while applying for the Amazon Pay credit card. Got the remaining two on pre-approved basis. Also got the Kotak credit card on pre-approved basis without any credit inquiry.

Next I am planning to get OneCard. But it's only available on secured (Fixed Deposit) basis in our city.
 
Last edited:
Prithi Deb said:
Currently I have four credit cards.
  • ICICI Amazon Pay (VISA) - ₹90k
  • ICICI Platinum (VISA) - ₹90k
  • ICICI Coral (RuPay) - ₹90k
  • Kotak League Platinum (RuPay) - ₹85k
Getting ICICI Credit Cards is pretty easy. There was a inquiry only while applying for the Amazon Pay credit card. Got the remaining two on pre-approved basis. Also got the Kotak credit card on pre-approved basis without any credit inquiry.

Next I am planning to get OneCard. But it's only available on secured (Fixed Deposit) basis in our city.
Click to expand...
Separate Limit for ICICI Cards ?
I am having same 3 cards but with combined limit
 
I have 2 Cards
1) SBI Simply Save Collboration with My.Bank Limit 20000.00 Eariler it. was 50000.00. While Handover after that It was Reduce 20000.00 Due To Less Utilities Amont.

2) Axis Bank My Zone Limit 24000.00.
Issued Against FD. Both Have Paid Cards with annually 500.00.Rs fees.
 
I have following cards:
1. AMEX rewards Credit card
2. AXIS Bank Flipkart Credit Card
3. Citibank Rewards Credit Card
4. AU Bank LIT Credit Card
5. HSBC Credit Card
6. HDFC Regalia Gold Credit Card
7. TATA Neu Infinity Credit Card
8. ICICI platinum Credit card
9. Icici amazon pay Credit card
10. OneCard federal bank Credit card
11. Kotak 811 Credit Card
12. SBI Ola Money Credit Card

Credit Limit Varies from Card to card from 50k to 622000
 
Abhinav said:
You are holding 110 cards!!! That's astounding!!
How much are you paying in annual fees?
And how you got same card variant multiple times with different limits?
Click to expand...
Except Amex Gold (₹5310) and 2 Vistara (₹11800*2), I don’t pay any annual fees. 2-3 are LTF and rest’s fees are waived off on spends.
1 Vistara, HDFC DCP & 1 Tata Neu, SBI Elite and 1 BoB Eterna are of my wife’s account but all are used by me. She doesn’t even know she has so many cards.
Others (2 IDFC Select, 2 BoB Eterna, 3 BoB Snapdeal, 4 BoB Energie, 3 Simplyclick all are acquired as per bank offer.
 
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