Credit card portfolio 2024-25
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I have 8 credit cards at present. I have built credit card portfolio for cashback since 2021. I have good credit score and 5 cards are Lifetime free. For travel spends, I wish to take Axis Atlas in future. I am proud that I extract 10 times return than the annual fees.
- SBI Cashback, LTF - for all online spends (1.8 lakh limit)
- AXIS Airtel - for utility bills, food delivery and grocery (58k limit)
- AXIS Ace - for utility bills and offline spends (shared limit)
- Indusind Legend LTF - BOGO movie offer and lounge access (1.4 lakh)
- Swiggy HDFC - Food, dining and online spends (75k limit)
- HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge access (shared limit)
- ICICI Amazon, LTF - for instant discount offer (1.2 lakh)
- YES BANK SELECT, LTF - Visa concierge (1 lakh limit) oldest card. Bank is worthless.
Any good credit card in market to make my portfolio stronger?
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Imperial Penny will guide you
You said in previous post you don't travel and you closed Scapia now you will apply for Atlas you kidding?
I took scapia for lounge only but Federal did brutal devaluation.
I will have many upcoming trips from office next year, thats why might take atlas
Axis Airtel rupay version available? If yes then how to apply guide me please 🥺
HDFC has their own ego, will try
Good list
Well for offline spends get some card thats the thing that is missing in your list
I have ace,
I tried AU Lit but not available in my pin code
Axis is miser in giving limit
Need some suggestion for my pack of poke deck on my Pokémon hunts
Anyone please suggest
UnSecured Credit Card list
1) Axis MyZONE Visa
2) Axis ACE Visa
3) Axis NEO Rupay
4) HDFC Business Money back
5) HDFC Bank UPI RuPay Biz Credit Card
6) SBI SimplySAVE Rupay
7) SBI Cashback VISA
8) SBI Pulse MASTER
9) RBL Shoprite Rupay
Secured Credit card list (I got these cards to play with them no other use)
1) FD Card IDFC First WOW VISA
2) FD Card IDFC First WOW Rupay Virtual
3) FD Card AU NOMO
4) FD Card RupiCard
5) FD Card Magnet Card
6) FD Card Super Card Utkarsh Small Finance Bank
Side note:
ICICI rejected (because of over leverage i think)
IDFC rejected
IndusInd rejected
Yes Bank rejected
Kotak (personally not willing to apply)
DBS (needs banking account relationship so didnt tried it)
Standard charted rejected
HSBC rejected
BOB rejected
Federal rejected
So suggest me any credit card i can apply and get now? any suggestion?
NEED MORE CARDS SO LET ME KNOW YOUR SUGGESTIONS
You can apply, axus ace, sbi cb, airtel axis
OP, tumhare keyboard me Ctrl+B permanently press ho gya hai kya?
Tata neu infinity has 1/quarter through priority pass...
Bhai I have credit score of 778 but sbi has rejected my cashback cc application. Any trick to get cashback cc?
How many rejections you had?
Mine and my brother's was rejected after Kyc done and kept on hold for a month...
After continuously following up and came to know about rejection we got back to back calls from sbi cards team and they ask pancard details and hit cbill once again and 30 days is done..
Not planning to apply again, will try next year.
Hmm intersting, I have only 1 card - The brother card, he has all if not one of his friends does I take advantage of it...
🏻
Take all the credit card available in india 
To start with SBI & HDFC has a long list of co branded cards but they barely give more than 3 cards - while Icici gives unlimited no of cards but useless
Axis is hell not to speak of reliability , Amex devalued a lot but more troubling is thier acceptance of both application and merchants
-kotak is God no words can explain - insusind they're in another level of rewards game.
These players cover almost 80 % of credit card universe..... So you just need to be careful before even thinking of taking all cards
Indusind Legend se BOGO movie kaise ho raha batana bhai thoda
i have a bunch of cards.. but hdfc infinia cuts everything else. 
in my honest opinion!
How I get sbi cashback card ???
how you have got SBI cashback cc as LTF bro??
Due to CC our expenditure is increasing.Now I am closing my CC.
You could couple SBI Cashback CC with YES Bank PaisaSave. They give dual card (Rupay + Mastercard).
3% online and 1.5% offline. Despite being co branded getting applied in sale where yes bank is accepted.
Bank of Baroda snapdeal must have in the list , you are missing
I do have
Icici 2.5 L
Hdfc 1.2
Idfc 2.3
Kotak 2.7
Rbl 2.5
Sbi - rejected recently
Got cibil of 760+ and excellent track record
Self employed business
What other cards i can apply and for easy approvals and easy kyc procedure??
Currently im holding the following cards:
1. Amazonpay ICICI card - 5% cashback on Amazon and no restriction cashback of 1% on all websites (i use govt portals a lot and this cashback waiving my charges paid for Using CC in their portal)
2. Onecard -Secured - Earlier used to get many offers but now not worth much but their metal card is good for showoff
3. SBI Cashback card - Using it for almost all website purchases for flat 5% cashback but wherever exceptions were placed by SBI im using my Apay ICICI card
4. Indusind Eazy diner card - For free movie tickets and Eazydiner membership+ 25% flat on dining bill spends
Out of the above SBI cashback card and Indusind Eazy diner are paid cards
Im looking for the following benefits in my future cards
1. Rupay credit card for using it on UPI
2. Best rewards on offline spends
3. utility bill payments
4. HDFC/Axis cards for Flipkart festive sale 10% benefit
5. Fuel spends
@Imperial_Penny @DEEPANGEORGE @kunalcc @kartikxxx
2. For offline hotel use BOB primer/SBI Pulse/SBI SimplySAVE
3. For Utility Axis Ace/Airtel Axis
4. For Flipkart - Axis Flipkart
5. IDFC Power plus / SBI BPCL
Can anyone guide on best cashback credit card for local/Offline/PoS spends?
Could someone guide me on how to get an SBI cashback card with a lifetime free offer?
Is any Rupay card giving rewards for insurance premium payments?
Does anybody know?
How sbi cashback card ltf?
Please guide
Its easy to get LTF in SBI, just during annual fee applied time just call to CC and ask LTF conversion , and if your spends are more than 1.5lakhs approx they will consider for LTF
simple as that for any SBI card
Take all the credit card available in india
To start with SBI & HDFC has a long list of co branded cards but they barely give more than 3 cards - while Icici gives unlimited no of cards but useless
Axis is hell not to speak of reliability , Amex devalued a lot but more troubling is thier acceptance of both application and merchants
-kotak is God no words can explain - insusind they're in another level of rewards game.
These players cover almost 80 % of credit card universe..... So you just need to be careful before even thinking of taking all cards