How many Credit Cards do you have and which ones?
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Hey everyone! Let’s talk credit cards. 💳
They’re not just for transactions—they bring perks, cashback, and rewards too. I currently have 15 credit cards across various banks, each tailored to different needs. Here's my lineup:
- Platinum (LTF): For Offers
- MakeMyTrip (LTF): For Offers
- Amazon Pay (LTF): For offers on Amazon, but now less used
- Ace (Chargeable): For offline use + GPay 5% CB on utility bills
- Neo (LTF): For offers on Zomato
- MyZone (LTF): For offers on Swiggy, but now less used
- Cashback (LTF): For 5% cashback on all online shopping
- SimplyCLICK (LTF): For offers
- Millenia (Chargeable): For offers
- Pixel Play (LTF): For UPI (offline) use
- Premier (LTF): For offers
- Legend (LTF): I was getting it, so I took it
- League (LTF): I was getting it, so I took it
- ACE (LTF): I was getting it, so I took it
- Celesta (LTF): I was getting it, so I took it
Now it’s your turn! How many credit cards do you have? Which ones?
Drop your list in the comments. Let’s compare and discuss the best options out there! 😊
#CreditCards #Finance #CreditCardRewards #CreditCardCashback #CreditCardPerks
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Finance
And RBL SHOPRITE - FOR OFFLINE GROCERY
Add HSBC live + for offline grocery
Some cards provided Buy1Get1 offers. Google it.
Axis flipkart LTF.
Axis myzone LTF.
Sbi cashback card.
HDFC millenia LTF.
HDFC tataneu infinity LTF.
Bob premier LTF.
ICICI amazonpay LTF.
ICICI MMT with joining fee.
Rbl shoprite LTF .
Rbl bookmyshow.
Indusind eazydiner LTF .
Current Active Credit Cards
* These are only my primary cards. Many add ons to these in Family members names. And Family members have their own primary cards and many add ons to them
| Bank | Card Name | Platform | Variant |
| ICICI | AmazonPay | Visa | |
| IDFC | Select | Visa | Signature |
| One Card | Visa | Signature | |
| SCB | Smart | Visa | Platinum |
| BoB | Select | Visa | Platinum |
| Axis | Flipkart | Visa | |
| Axis | Airtel | Visa | |
| Yes | Elite | Visa | Signature |
| ICICI | MakeMyTrip | Visa | Platinum |
| AU | Liv It Today | Visa | |
| IndusInd | EazyDiner | Visa | Signature |
| Kotak | League | Visa | Platinum |
| SCB | DigiSmart | Visa | Platinum |
| BoB | Snapdeal | RuPay | |
| RBL | Shoprite | Visa | |
| SBI | SimplyClick | Visa | Platinum |
| SBI | SimplyClick 2 | Visa | Platinum |
| Yes | UPI CC | Rupay | |
| BoB | IRCTC | Rupay | |
| AU | InstaPay | Rupay | Select |
| IndusInd | Legend | Visa | Signature |
| Kotak | League | RuPay | Platinum |
| IndusInd | Platinum | RuPay | Platinum |
| HDFC | Millenia | Visa | Platinum |
| Axis | Airtel | MasterCard | World |
| Axis | Rewards | Visa | Signature |
| ICICI | Coral | Rupay | Platinum |
| HDFC | Swiggy | MasterCard | World |
| IDFC | Mayura | MasterCard | World |
| IDFC | Ashva | Visa | Infinite |
| IDFC | UPI Select | RuPay | |
| IDFC | UPI Mayura | RuPay | |
| IDFC | UPI Ashva | RuPay | |
| HDFC | Pixel Play | Visa |
My Friend Living Legend @RowdyAK47 Has 200+ Cards 😁
No wonder, Who will refuse card when someone has ak47
Sbi Cashback LTF,How??
| Bank Name | Type | Issuer |
| AU | Altura+ | VISA Platinum |
| AXIS | Flipkart | MASTERCARD Platinum |
| AXIS | Rewards | MASTERCARD Platinum |
| BOB | OneCard | VISA |
| HDFC | Moneyback+ | VISA Platinum |
| HDFC | REGALIA | VISA Signature |
| HDFC | Tata Neu Infinity | RUPAY |
| HDFC | UPI | RUPAY |
| HSBC | ----- | VISA Platinum |
| HSBC | ----- | VISA Platinum |
| ICICI | Amazon Pay | VISA |
| IndusInd | ----- | VISA Platinum |
| IndusInd | Platinum | RUPAY |
| IndusInd | ICONIA | AMEX |
| IndusInd | ICONIA | AMEX |
| Kotak | #Dreamdifferent | VISA |
| Kotak | League | VISA Platinum |
| SBI | SimplyClick | MASTERCARD Titanium |
| SBM Bank | Slice | VISA Platinum |
| Standard Chartered | DigiSmart | VISA Platinum |
| Standard Chartered | Manhattan | VISA Platinum |
| Yes | PopUp | RUPAY |
@rohit_mfp suggest an LTF card where I can get B1G1 movie tickets every month.
I am having 13 cards listed below-
Axis-
Flipkart and indian oil
Bank of baroda-
Energie rupey
Federal Bank-
Scapia
HDFC-
Millinea and tata neu
ICICI-
amazon,make my trip and hp coral
IDFC
first wow
Indusind
legend
PNB
platinum rupay
SBI-
octane
I've 19 credit cards and 1 more is in progress (awaiting approval) :
Bank of Baroda RuPay Premier (LTF) - For bank offers
HDFC Bank Regalia (LTF) - First card, Freedom -> Regalia First -> Regalia
Axis Bank Rewards - Transferred from Citibank
Flipkart Axis Bank (LTF) - Was my go-to offline card
IndusInd Bank Legend (LTF) - For bank offers
Tata Neu Infinity RuPay HDFC Bank (LTF) - For UPI merchant payments
Axis Bank Ace (FYF) - Current go-to offline card, will close before first year ends
RBL Bank World Safari (LTF) - For bank offers and zero forex markup
Axis Bank Neo RuPay (LTF) - For 40% off upto Rs. 120 on Zomato twice a month
Ola Money SBI (LTF) - For bank offers
SBI Cashback (FYF) - For online spends
Amazon Pay ICICI Bank (LTF) - For SI payments
Kotak Mahindra Bank League RuPay (LTF) - For bank offers and highly occasional UPI merchant payments
IDFC First Bank Wealth (LTF) - For Visa Infinite offer on movie and non-movie events on BookMyShow
ICICI Bank Platinum (LTF) - First ICICI Bank core card
ICICI Bank Coral RuPay (LTF) - Took because of RuPay
ICICI Bank Sapphiro Mastercard (LTF) - For BOGO movie offer on BookMyShow
ICICI Bank Sapphiro American Express (LTF) - For BOGO movie offer when limit of Mastercard variant is exhausted
Swiggy HDFC Bank (LTF) - Took it because it was offered LTF
I've recently applied for Kiwi RuPay Yes Bank (virtual) CC and awaiting card approval and disbursal.
Talked to RBL Bank to upgrade World Safari (LTF) to Insignia Preferred Banking (LTF) but they denied.
Talked to IndusInd Bank to upgrade Legend (LTF) to Pinnacle Mastercard (LTF) but they denied and were offering upgrade only after paying one-time joining fee of Rs. 15k + GST.
Talked to IndusInd Bank to at least upgrade Legend (LTF) to EazyDiner Visa Signature (LTF) but was denied again stating this offer was stopped long back.
Until now, I've either crossed the milestone for SBI Cashback or have got the annual fee waived off ... so, it's technically LTF until now but I'll try to get it converted to unconditional LTF this annual cycle.
I'm eyeing to get PNB RuPay Select, Federal Celesta Mastercard, AU Lit ... all technically LTF. The purpose behind is to cover bank offers from these banks too.
I had even applied for Federal Celesta Mastercard but I was denied because my Experian credit score is very low (573) for no reason whatsoever whereas CIBIL credit score is 780. I don't even know how to get it rectified and why the hell Experian credit score is so low despite no late payment being reflected.
DBS Bank has been repeatedly offering Spark5 (LTF) but I just didn't want to add another credit card from a bank which may or may not give enough offers going forward. Plus, handling so many cards is actually a bit tedious.
I was thinking of cutting short on ICICI Bank credit cards at least but they come in handy at times and I don't want to regret later on. Anyway the statement of 4/5 ICICI Bank credit cards are clubbed into one, so, at least, there's some relaxation in handling large number of credit cards.
Feel free to pour in your suggestion(s).
SBI CASHBACK for 5% cb on online including utilities with some tweaks.
SBI SIMPLY CLICK @ SBI Offers
HDFC MILLENNIA for HDFC General offers
HDFC PIXEL for ofline 5% groceries at Reliance
HDFC TATA NEU INFINITY for all gold and upi purchases.
FLIPKART AXIS for Axis Offers.
AXIS NEO@ZOMATO OFFERS
ICICI Sapphiro TWINS+ICICI RUPAY CORAL for MOVIES B1G1 and general ICICI offers
ICICI AMAZON PAY for occasional use.
IDFC WEALTH card overall for B1G1 and others
KOTAL LEAGE PLATINUM RUPAY for normal Kotak n Rupay offers
INDUSIND LEGEND same for normal offers+Indusind Rupay..
SC DIGISMART for Myntra 20% offer and less use
YESBANK FINBOOSTER for Yesbank offers
SCAPIA for Federal offers.
Luckily and trickling all are LTF..
But only
SBI CB,HDFC MILLENNIA,HDFC TATA NEU and max HDFC PIXEL are enough now .
Rest all devalued and least used .
How I get sbi cashback card ??
if you want a referral then dm me.
sbi cashback for online
HSBC live+ for offline
TATA neu infinity for UPI
Amex for wallet (DM me for refer)
AMEX is not serviceable in my City 🥲
Hold AMEX.. dm me for referrals with nyc offers 🔥
Using them and tracking their payments is a nightmare (even if you setup it's auto debit) IMO.
Just have one or two cards which serve most of your purchase needs is ideal IMO.
I never intended to keep so many cards with me and you can clearly see some of them are unnecessary but even if it serves me the purpose once in a year, I'll keep it (maybe later on I'll close most of them but for now, I'm choosing to keep them).
For managing, yes, it does takes some time but not everyday, I've all the credit card statement generation date between 15th to 20th and if I've to pay the bills in current month, I sit for a while and clear the bills on second last day of the month or on the first of next month if I've to clear the bills in the next month.
Keeping one or two cards will never be sufficient, please mark my words ... there's no 1/2 super card which covers everything. One needs to keep at least 3-5 cards to cover majority areas, that will always be the case.
For example, even if you want to keep one card from Visa, one from RuPay, it's already 2 cards, now you would want to have one card each from 2-3 major banks at least, so, my point is, those who know a thing or two about credit cards, will never be able to restrict themselves within the limit of 3 cards or lesser no matter how efficient or credit card geek he/she is. Period.
ICICI Amz pay ltf
ICICI Rubyx ltf
ICICI Coral ltf
HDFC Regalia ltf
HDFC Pixel paid
Amex Mrcc Paid
Amex smart earn paid
Sbi cashback cc paid
Sbi ola paid
Sc smart paid
Sc Manhattan ltf
Sc digismart ltf
Sc easmytrip paid
Sc Priority infinte ltf
Sc super value ltf
Kotak platinum ltf
Axis myzone ltf
Axis kiwi ltf
Au Zenith ltf
Indusind iconia amex paid
Indusind easy diner platinum ltf
HSBC live + ltf
Onecard ltf
Tata neu infinity ltf
UPDATE
I just sent an email to Axis to close my ACE credit card. Additionally, I have initiated the process to close my HDFC Millennia and HDFC Pixel Play credit cards.
Reason: Axis ACE and HDFC Millennia have charges, while I already have the SBI Cashback Credit Card, making it more manageable.
I understand that you are getting rid of chargeable cards..
But u should have kept HDFC millennia cc for instant discounts..
It's 180/yr if you don't meet the fee waiver condition...
#just_my_personal_opinion
ICICI Amazon Pay
ICICI Sapphiro
HSBC platinum
For SBI cards it is showing fees?? How can i avail LTF
dm me for referrals
Mostly need/benefit base use at the end of the day
My Friend Living Legend @RowdyAK47 Has 200+ Cards 😁
Using them and tracking their payments is a nightmare (even if you setup it's auto debit) IMO.
Just have one or two cards which serve most of your purchase needs is ideal IMO.
I never intended to keep so many cards with me and you can clearly see some of them are unnecessary but even if it serves me the purpose once in a year, I'll keep it (maybe later on I'll close most of them but for now, I'm choosing to keep them).
For managing, yes, it does takes some time but not everyday, I've all the credit card statement generation date between 15th to 20th and if I've to pay the bills in current month, I sit for a while and clear the bills on second last day of the month or on the first of next month if I've to clear the bills in the next month.
Keeping one or two cards will never be sufficient, please mark my words ... there's no 1/2 super card which covers everything. One needs to keep at least 3-5 cards to cover majority areas, that will always be the case.
For example, even if you want to keep one card from Visa, one from RuPay, it's already 2 cards, now you would want to have one card each from 2-3 major banks at least, so, my point is, those who know a thing or two about credit cards, will never be able to restrict themselves within the limit of 3 cards or lesser no matter how efficient or credit card geek he/she is. Period.
UPDATE
I just sent an email to Axis to close my ACE credit card. Additionally, I have initiated the process to close my HDFC Millennia and HDFC Pixel Play credit cards.
Reason: Axis ACE and HDFC Millennia have charges, while I already have the SBI Cashback Credit Card, making it more manageable.
I understand that you are getting rid of chargeable cards..
But u should have kept HDFC millennia cc for instant discounts..
It's 180/yr if you don't meet the fee waiver condition...
#just_my_personal_opinion