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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

166 Comments  |  
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Deal Lieutenant Deal Lieutenant
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Amazon ICICI doesn't work for instant discount sometimes

Deal Lieutenant Deal Lieutenant
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it wont work for majority it give 5% cashback and 5% discount 
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Deal Lieutenant Deal Lieutenant
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which ninja techniques give sbi cashback lft 

Deal Cadet Deal Cadet
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Imperial Penny will guide you

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Deal Cadet Deal Cadet
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You said in previous post you don't travel and you closed Scapia now you will apply for Atlas you kidding?

Deal Cadet Deal Cadet
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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

View 12 more replies
Deal Newbie Deal Newbie
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Axis Airtel rupay version available? If yes then how to apply guide me please 🥺

Deal Cadet Deal Cadet
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No

Benevolent Benevolent
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you already have the best. try to upgrade nue plus to infinity

Deal Cadet Deal Cadet
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HDFC has their own ego, will try

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Deal Lieutenant Deal Lieutenant
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Good list

Well for offline spends get some card thats the thing that is missing in your list

Deal Cadet Deal Cadet
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I have ace,

I tried AU Lit but not available in my pin code

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Like Magnet Like Magnet
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Airtel axis with 95k limit smiley

Deal Cadet Deal Cadet
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Axis is miser in giving limit

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Deal Lieutenant Deal Lieutenant
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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

Deal Cadet Deal Cadet
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You can apply, axus ace, sbi cb, airtel axis

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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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What variant is HDFC and BOB card?
View 25 more replies
Hunk Hunk
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Good collection... Keep adding other bank cc

Helpful Helpful
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OP, tumhare keyboard me Ctrl+B permanently press ho gya hai kya?

Heart of Gold Heart of Gold
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Wanted to know if Tata neu Hdfc has international lounge access too?
Spearhead Spearhead
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Tata neu infinity has 1/quarter through priority pass...

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Post Tycoon Post Tycoon
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Bhai I have credit score of 778 but sbi has rejected my cashback cc application. Any trick to get cashback cc?

Deal Cadet Deal Cadet
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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.

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Deal Cadet Deal Cadet
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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...

Spearhead Spearhead
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Ap bhi ek plastic card lo , usme bin number and manpasand card ka naam aur design daal ke use kro, itna kya sharmana isme...🫢 pray🏻

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Deal Cadet Deal Cadet
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.

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

Deal Cadet Deal Cadet
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why no bajaj finance ?

Deal Newbie Deal Newbie
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Indusind Legend se BOGO movie kaise ho raha batana bhai thoda 

Deal Cadet Deal Cadet
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SLOT TIME FOLLOW KARO
Deal Cadet Deal Cadet
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i have a bunch of cards.. but hdfc infinia cuts everything else. smile in my honest opinion!

Deal Newbie Deal Newbie
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How I get sbi cashback card ???

Post Mogul Post Mogul
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how you have got SBI cashback cc as LTF bro??

Deal Newbie Deal Newbie
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Due to CC our expenditure is increasing.Now I am closing my CC.

Deal Cadet Deal Cadet
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Skill issue

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Talk-Of-The-Town Talk-Of-The-Town
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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. 

Deal Cadet Deal Cadet
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Bank of Baroda snapdeal must have in the list , you are missing

Deal Newbie Deal Newbie
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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?? 

Flame Flame
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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 smile

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

Deal Lieutenant Deal Lieutenant
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1. For Rupay you can get anything (but mostly people will say kiwi card)
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
View 11 more replies
Deal Cadet Deal Cadet
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Can anyone guide on best cashback credit card for local/Offline/PoS spends?

Flame Flame
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SBI cashback card for online spending. but chances to get are very low
View 5 more replies
Deal Newbie Deal Newbie
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Could someone guide me on how to get an SBI cashback card with a lifetime free offer?

Deal Cadet Deal Cadet
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Is any Rupay card giving rewards for insurance premium payments?

Does anybody know?

Benevolent Benevolent
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Tata Neu Infinity
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