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:
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
Finance
Axis (3) : Airtel, Flipkart And Neo.
ICICI (3) : Amazon, Platinum and Coral.
HDFC (3) : TataNeu Plus, Moneyback+ and Pixel Play.
SBI(1) : SimplyClick
Yes Bank(1) : Rio CC.
Onecard(BOB)
AU (1) : Lit Credit Card.
Indusind(1) : Platinum Aura.
IDFC (1) : Millennia
In Total : 15..
out of 15 ...11 are lifetime free.
How you got sbi cards LTF ?
HDFC - 1 CARD : IRCTC RUPAY Card for railways tickets and UPI
Axis : Flipkart and airtel for utility bills
RBL : free bookmyshow for two tickets
HSBC LIVE : for offline and grocery maily DMART
SBI cashback : 5 % online
IDFC : Power plus for fuel
Icici : amazon pay .
ICICI makemytrip
ICICI paltinum
ICICI CORAL
ICICI AMAZON PAY
AXIS FLIPKART
AXIS MYZONE
AXIS NEO
FEDERAL SIGNET
FEDERAL RUPAY VIRTUAL
HDFC TATA NUE
HDFC UPI RUPAY
HDFC SWIGGY
SBI SIMPLY CLICK
Hdfc : Infinia Metal (spend based) , Diners club privilege(LTF) , Tata neu infinity rupay(Ltf)
Icici : Amazon pay, platinum, rupay all Ltf
Axis : myzone, lic(Ltf) , Flipkart
Sbi: simplysave
Indusind : Pinnacle (LTF free upgrade from platinum to legend to pinnacle)
Idfc : select
Hsbc: platinum
Standard Chartered : easemytrip, digi smart,
Kotak : pvr card
One metal card
Citi bank : indian oil card
Rbl : duet card
Started with the Flipkart card with 15k limit and eventually got these following cards 
Axis Flipkart
Axis Myzone
ICICI Amazon
ICICI Platinum
HDFC Millennia
HDFC TATANEU Plus
SBI Simplyclick
Kotak 811
RBL Play card
Yes Select
PNB Select
Federal Scapia
Indian Bank Select Rupay
IDFC Millennia
IDFC Ashva
Amex Platinum travel
Amex MRCC
BOB Premier
Currently holding 13 credit cards including only 1 paid credit card,
IDFC First Wealth (LTF)
HDFC Millennia (LTF)
HDFC Regalia (LTF)
Swiggy HDFC (LTF)
Axis Ace (Paid)
Flipkart Axis (LTF)
ICICI Coral Rupay (LTF)
Amazon Pay ICICI (LTF)
IndusInd Legend (LTF)
Kotak Mojo (LTF)
BoB Premier Rupay (LTF)
BoB Snapdeal (LTF)
BoB OneCard (LTF)
Standard Chartered Manhattan was closed recently due to cc bill payment issues and it was a chargeable card. I want to hold a SBI Credit card and I know they will not offer it LTF.
Kotak mahindra bank credit card
I have the following 🏻
Axis kiwi (LTF), Axis airtel (paid), ICICI amazon (LTF), ICICI coral rupay (LTF), Hdfc neu infinity (LTF), Hdfc Swiggy (FYF), Indusind legend (LTF), Yes uni wave nx (LTF)...
Will apply sbi cashback and close hdfc Swiggy, also thinking to close indusind legend, its of no use to me for now... 🏻
For people who think, more credit cards means more offers, more benefits.
You are absolutely wrong! If you see irresistible offers and you will end up using card even though you dont need it. At the end of the day, credit cards means spending!
I was in same mode couple of years back, I only realised it when I decided to shift my house. I realised Most of items I purchased on DD and using the card offers are duplicates/redundant and of no absolute use after first use. I went to cred, I saw my current cred points are close to 55Lakh, it means I spent this much in 5 years! Absolute Blunder I made all these years. I could have purchased house in that money! I could have done some nice investment which could have tripled my money. Dont fall in trap of credit cards, Have 1 or 2 which is needed for emergency use like hospitals and etc. I am delivery manager in Cybersecurity, and I hear about Ransomeware, malware and many attacks day in day out, think of the having 20 credit cards and you find hard time in blocking card when you lost it or misuse of them.
Its great to look for offers and it it is even sweeter with credit card discount. At the end of the day, do you really need it? Do you really going to use them? What if same money you spent today on things which you dont need will end up the same money which would have saved your life when you really need it in your old age?
And There are people who think more cards means more burden, so they spend less, mere cards ki limit 12L h, but mera saal ka expense cards pe 2-3L h bs... So not everybody gets cards to make a blunder, some gets just to have them in their wallet...
Apne jo kia wo apka decesion tha, nobody forced u, u could've thought of it b4 spending... Well jo hua so hua, insan experiences se hi seekhta h... 
🏻
Please ping me if anyone wants to open a brokerage free demat account,I will provide my referral code , kotak securities broker
Available cards as of now...
1) HDFC Regalia Gold-LTF
2) HDFC UPI Rupay-LTF
3) HDFC Tata Neu Ininity Rupay-LTF
4) HDF Diners Black-LTF
5) SBI Simply Click Visa-LTF
6) SBI Simply Save Rupay-LTF
7) BOB Select Visa-LTF
8) BOB Ease Rupay-LTF
9) AU Altura Visa-LTF
10) AU Insta Rupay-LTF
11) AU Altura+ Visa-LTF
12) ICICI Platinum Visa-LTF
13) ICICI Amazon Pay-LTF
14) ICICI Coral Rupay-LTF
15) Indusind Legend Visa-LTF
16) Indusind Rupay-LTF
17) Indusind Easzdiner-LTF
18) Stand Chart Rewards-LTF
19) Stand Chart Digismart-LTF
20) Axis Indian Oil Premium Card-LTF
21) Axis Neo-LTF
22) PNB Rupay-LTF
23) Yes Bank Finbooster Visa-LTF
24) Yes Bank Finbooster Rupay-LTF
25) IDFC First Millenia-LTF
26) Kotak Urbane-LTF
27) Kotak UPI Rupay-LTF
28) HSBC Platinum Visa-LTF
29) RBL-LTF
30) Federal Scapia-LTF
31) SBM Magnet-LTF
32) One Card by BOB-LTF
How to do applying
If anyone need AMEX referral pls dm
Happy to help 😄
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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