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Credit card portfolio 2024-25

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Deal Cadet
Desidime User

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.

  1. SBI Cashback, LTF - for all online spends (1.8 lakh limit)
  2. AXIS Airtel - for utility bills, food delivery and grocery (58k limit)
  3. AXIS Ace - for utility bills and offline spends (shared limit)
  4. Indusind Legend LTF - BOGO movie offer and lounge access (1.4 lakh)
  5. Swiggy HDFC - Food, dining and online spends (75k limit)
  6. HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge access (shared limit)
  7. ICICI Amazon, LTF - for instant discount offer (1.2 lakh)
  8. 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?

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
Deal Subedar Deal Subedar
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All LTF except SBI SimplyClick and Airtel Axis MasterCard. I have a Yes Bank Kiwi card as well but since it is virtual, I couldn't include it here.  IMG-20240914-WA00051
Deal Cadet Deal Cadet
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How sbi cashback card ltf?

Please guide

Deal Lieutenant Deal Lieutenant
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@harish8

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

Deal Newbie Deal Newbie
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Take all the credit card available in india laughing

Deal Lieutenant Deal Lieutenant
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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

164 Comments  |  
57 Dimers
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Talk-Of-The-Town Talk-Of-The-Town
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1. Axis Ace 

2. Axis Airtel Rupay  

3. Axis Neo  

4. ICICI Amazon pay  

5. ICICI coral rupay  

6. SBI Octane  

7. SBI Cashback card  

8. SBI Simply click  

9. Onecard  

10. Kiwi By Yes Bank    

How's the collection??

Deal Cadet Deal Cadet
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Interesting discussion!!!

Dimers, Any card suggestiosn which offers free movie tickets (NOT BOGO & also no FCFS)

Possible LTF, Should okay to pay annual fee. Thanks in advance. 

Avant Garde Avant Garde
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Indusind easydiner card. 2tickets upto 200 each free

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Deal Cadet Deal Cadet
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  1. AXIS FLIPKART MASTERCARD
  2. AXIS ACE VISA
  3. AXIS INDIAN OIL RUPAY
  4. BOB SELECT PLATINUM VISA
  5. BOB SNAPDEAL RUPAY
  6. HDFC MILLENIA VISA
  7. IDBI ASPIRE PLATINUM VISA
  8. ICICI AMAZON VISA
  9. ICICI CORAL RUPAY
  10. INDUSIND PLATINUM VISA
  11. INDUSIND PLATINUM RUPAY
  12. KOTAL LEAGUE PLATINUM VISA
  13. PNB PLATINUM RUPAY
  14. SBI SIMPLYCLICK MASTERCARD
  15. SBI BPCL VISA
Coupon Hunter Coupon Hunter
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Out of topic quesn , 10L limit yearly spend is for 1 bank or all cc?

Benevolent Benevolent
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Which limit?

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Deal Cadet Deal Cadet
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Got rich thru stock market..so no longer ve timr fr points n all dat waste of time to save 1% . I borrow from frends wen required. But point based is such a waste of time

Deal Newbie Deal Newbie
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Zenith plus rocks

Benevolent Benevolent
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Applied via Swipe up?

Deal Cadet Deal Cadet
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@Desidime User Anyone knows what is the maximum cashback Given per month in SBI cashback credit card.

Is there any limit per month on SBI Cashback Credit card @abhishek012

Deal Subedar Deal Subedar
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5000

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