ALL CREDIT CARD PORTFOLIO OF MINE

258°
Deal Cadet
kunalcc

I have 7 credit cards. I have built credit card portfolio mentioned below for all my spends. I have good credit score and 6 cards are Lifetime free. My monthly spends is 20k, mostly on online. Do I need any more credit card to make my portfolio stronger?

  1. SBI Cashback, LTF - for all online spends.
  2. AXIS Airtel - for utility bills, food delivery and grocery.
  3. IDFC Select, LTF - for BOGO movie offer and lounge access.
  4. Federal Scapia, LTF - for lounge access and offline spends.
  5. HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge access.
  6. ICICI Amazon, LTF - for instant discount offer on ICICI.
  7. YES BANK SELECT, LTF - 3rd class credit card but oldest card.
Top Comments
Pro DealBaba Pro DealBaba
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If u can, then upgrade ur plus card to infinity, rest i don't think u need any other card.

Deal Cadet Deal Cadet
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There is less chance for upgrade, even if I get upgrade I may not get Tata neu infinity as LTF.

I already get 10% cashback on Tata neu app using SBI card

5% neu coins, 5% cashback. 1% Rupay UPI

Deal Lieutenant Deal Lieutenant
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Fantastic 

Your lucky number must be 7

Amex is missing. Dimers refer amex the most.

@kartikxxx am i right or i am right?

Pro DealBaba Pro DealBaba
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They refer due to referral amount, rest offline merchant (local) don't accept that due to heavy mdr, online not much offers.

Maybe it is good, but not imo

Deal Newbie Deal Newbie
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How to get SBI Cashback as LTF?

Deal Cadet Deal Cadet
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This is called customer acquisition cost. I am using this card as primary card and paying bills on time. I use below 10% of credit limit. I have good credit score. After using the card for two years I asked customer care to convert my card into lifetime free. Customer care checked that I am valuable customer and bank can sacrifice Rs. 1000 annual fees to keep valuable customer happy. Never blackmail banks with card closure.

32 Comments  |  
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Deal Lieutenant Deal Lieutenant
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Fantastic 

Your lucky number must be 7

Amex is missing. Dimers refer amex the most.

@kartikxxx am i right or i am right?

Deal Cadet Deal Cadet
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I heard amex is not widely acceptable as visa and mastercard. Also annual fees of amex is high
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Pro DealBaba Pro DealBaba
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...
Pro DealBaba Pro DealBaba
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If u can, then upgrade ur plus card to infinity, rest i don't think u need any other card.

Deal Cadet Deal Cadet
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There is less chance for upgrade, even if I get upgrade I may not get Tata neu infinity as LTF.

I already get 10% cashback on Tata neu app using SBI card

5% neu coins, 5% cashback. 1% Rupay UPI

Deal Newbie Deal Newbie
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How to get SBI Cashback as LTF?

Deal Cadet Deal Cadet
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This is called customer acquisition cost. I am using this card as primary card and paying bills on time. I use below 10% of credit limit. I have good credit score. After using the card for two years I asked customer care to convert my card into lifetime free. Customer care checked that I am valuable customer and bank can sacrifice Rs. 1000 annual fees to keep valuable customer happy. Never blackmail banks with card closure.

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Cool Cool
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SBI cashback was being offered LTF? When did you get itM

Deal Cadet Deal Cadet
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Card has annual fees but converted my card to LTF. Check previous comment.
Deal Cadet Deal Cadet
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  1. SBI Cashback, LTF - for all online spends.
    Can we use this SBI Cashback card for Amazon online purchases, when they release offer ?
Deal Cadet Deal Cadet
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SBI don't allow instant discount for this credit card. Obviously, bank will not allow double dipping discount.
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Deal Subedar Deal Subedar
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1. For festival sales get one sbi card and ICICI card

2. Don't think Amazon card and yes Bank card are important

Deal Cadet Deal Cadet
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Yes bank has all stupid cards. ICICI sometimes allow instant discount on Amazon card, but SBI cashback card don't allow instant discount on festive sales, obviously double dipping discount is loss for bank.

Generous Generous
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rehne de bhai me likhunga to space cum pad jayega 

Deal Cadet Deal Cadet
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then DM me
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Deal Cadet Deal Cadet
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thanks everyone

Deal Cadet Deal Cadet
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Get Axis ACE for Utility payment with 5% CB on Gpay only & E-commerce offers. 2% on all offline payment.

Deal Cadet Deal Cadet
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Already getting 10% cashback on Utility spends via airtel axis
Already getting 2% cashback on offline spends via scapia
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Generous Generous
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I have lots of cards

Axis flipkart

Axis myzone

Au xcite ultra

Citi iocl

Hdfc regalia

Hdfc tata infinity

Hdfc swiggy

Hsbc platinum

Icici apay

Icici coral

Icici mmt

Idfc first classic

Indusind legend

Kotak white signature

One card fedaral

Rbl play

Sbi cashback

Sbi bpcl

Etc

Deal Subedar Deal Subedar
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I also have white signature. Are you able to achieve milestone? If yes, can you please suggest how? I also have the same card but I don't find it useful and not able to achieve milestone.

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