CREDIT CARDS - you have and you want

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Last Comment 2021-07-04

2019-06-26

hello all

of late i am fascinated by credit cards and the value they hold to our daily life social status. most bank value you based on your credit score only .

considering DD is one of the best place to get data on Credit card i have started this thread to understand most of this cards.in this thread people who all have multiple credit card please list all credit card you hold also leave a review for it .if you have closed a credit card please tell us more about the reason we should avoid that card/bank.

if you are really exited to have any credit card and not had your hands on it still please do list it with its tempting positives

this would help young aspirants a lot.

if possible pen down your credit score with limit of your card also.

695 Comments |

159 Dimers

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https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5915932

nimod

2019-06-26

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Excellent subject.
You should have written about your cards as well,
I would write about few of mine.

Most recent one is, obviously, ICICI Amazon Pay card. All dimers know the benefits and why its a must have for amazon shoppers.
Also, have SBI IRCTC card for train ticket bookings, I often travel through trains. 10% cashback as reward points is an excellent feature. No other card has this feature.
HDFC money back for VCCs.
IndusInd Iconia AmEx for daily use. Excellent rewards structure.

I always take care that all my Credit cards are LTF. I never think of having a card with any kind of fee.

I am trying to get an Axis Buzz card without fee. This should be last card in my wallet.

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5915991

anshu

2019-06-26

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Citi Indian oil
HDFC regalia n regalia first
Yes first preferred
SBI platinum card
Best was yes first preferred few months back but presently HDFC regalia
All are LTF …wants to have HDFC diners black, yes first exclusive, standard n chartered ultima

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916000

AnnamalaiNryaa

2019-06-26

Link Copied

nimod wrote:
Excellent subject.
You should have written about your cards as well,
I would write about few of mine.

Most recent one is, obviously, ICICI Amazon Pay card. All dimers know the benefits and why its a must have for amazon shoppers.
Also, have SBI IRCTC card for train ticket bookings, I often travel through trains. 10% cashback as reward points is an excellent feature. No other card has this feature.
HDFC money back for VCCs.
IndusInd Iconia AmEx for daily use. Excellent rewards structure.

I always take care that all my Credit cards are LTF. I never think of having a card with any kind of fee.

I am trying to get an Axis Buzz card without fee. This should be last card in my wallet.

Would have written my cards but felt it wouldnt be humble will surley write in the coming post

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916041

dev007

2019-06-26

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anshu wrote:
Citi Indian oil
HDFC regalia n regalia first
Yes first preferred
SBI platinum card
Best was yes first preferred few months back but presently HDFC regalia
All are LTF …wants to have HDFC diners black, yes first exclusive, standard n chartered ultima

How’re you holding regalia and regalia first both at a time

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916057

anshu

2019-06-26

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Expand

dev007 wrote:
How’re you holding regalia and regalia first both at a time

Regalia self n regalia first wife

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916070

AnnamalaiNryaa

2019-06-26

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“Placeholder for update”

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916095

JaiKrish1031

2019-06-26

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Have:
SBI Simplyclick
ICICI Coral
ICICI AmazonPay
HDFC Diner Clubmiles
CITI Cashback
RBL Moneytap
Amex Membership Rewards
Amex Everyday Spends

Want to have:
Indus Iconica Amex
RBL Moneytap Black
Yes First Preferred

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916112

AnnamalaiNryaa

2019-06-26

Link Copied

JaiKrish1031 wrote:
Have:
SBI Simplyclick
ICICI Coral
ICICI AmazonPay
HDFC Diner Clubmiles
CITI Cashback
RBL Moneytap
Amex Membership Rewards
Amex Everyday Spends

Want to have:
Indus Iconica Amex
RBL Moneytap Black
Yes First Preferred

What is so great about moneytap black?

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916116

Atlantic

2019-06-26

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Have
SBI Simplyclick
SBI fbb
ICICI Coral
ICICI AmazonPay
HDFC Diner Premium
CITI Rewards
RBL ET Money
Amex Everyday Spends
Standard Manhattan
Standard Landmark rewards
Standard Super Platinum
HSBC platiunm
Kotak Urbane

Want to have:
Axis Buzz or Neo
Amex Payback

PS: Dont be like me in 6.5 L debts with no job in hand

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916118

JaiKrish1031

2019-06-26

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Expand

AnnamalaiNryaa wrote:
What is so great about moneytap black?

RBL MoneyTap Black Card

Please Visit
https://ddime.i...3Y

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916126

arunrush680

2019-06-26

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Want – Infinia, citi prestige

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916381

Harry-Potter

2019-06-27

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Icici platinum chip credit card is advertised has life time free card but it comes with issuance fee of 199 + GST and annual fee of 99+GST then why they are advertising as LTF

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916404

hese

Moderator

2019-06-27

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Atlantic wrote:
Have
SBI Simplyclick
SBI fbb
ICICI Coral
ICICI AmazonPay
HDFC Diner Premium
CITI Rewards
RBL ET Money
Amex Everyday Spends
Standard Manhattan
Standard Landmark rewards
Standard Super Platinum
HSBC platiunm
Kotak Urbane

Want to have:
Axis Buzz or Neo
Amex Payback

PS: Dont be like me in 6.5 L debts with no job in hand

PS: Dont be like me in 6.5 L debts with no job in hand
Whhhat….Omg rolleyes
What’s your Qual? If poosible send ur Resume, will try to help.

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916416

sobirvs

2019-06-27

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Hi,

I have :

Amex Rewards CC
ICICI Amazon Pay
SBI Simply Click
Kotak Royale
ICICI Coral
Paytm First Citi

it’s enough already , so won’t be applying for anymore for atleast say 1 year.

I use Amex mostly. Why? Because even though you don’t get 1% cb like Apay or Citi, if you spend mostly on this card, in long terms you get alot of statement credit. For 18k RP, Amex gives 7.5k. and You spend 1.5L on this, you get 1500 RP. + 4trxn pr month of 1000, u get 1000 RP so 1k*12 12k RP and welcome bonus and 2nd yr renewal 5k RP.. Even yearly fee waiver. I use this card everywhere except amazon where I use Amazon pay card as it gives me 5% CB.

Kotak royale is a waste. I haven’t used it in 4 months and prolly will discount. Kotak doesn’t have many good online options ! Hate this card. wish they would give offers on amazon/flipkart/zomato/ola/swiggy as that’s where most of my spendings are.

SBI simply click I use only when SBI has offers for instant discounts on various websites. This card I don’t use apart from inst discount and fees is only 500 which makes for itself with good discounts. SBI always keeps having discount many times.

ICICI Coral – another no use card.but my first card ever! so keeping it around for nostalgia.

Paytm first – ofc for 1% cashback. I use it only and only on offline and online merchants who don’t allow amex.

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916418

rohan8397

2019-06-27

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I have
ICICI Amazonpay
ICICI coral
Both LTF.

Want to have:
Citi Paytm first card
Axis any variant LTF
HDFC any variant LTF

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916796

Atlantic

2019-06-27

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Expand

hese wrote:
PS: Dont be like me in 6.5 L debts with no job in hand
Whhhat….Omg
What’s your Qual? If poosible send ur Resume, will try to help.

sure i will send, Thanks

its not from long in may first week had to quit as company is about to dissolve after working 4.5 years there

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916829

BARCODE

2019-06-27

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Atlantic wrote:
Have
SBI Simplyclick
SBI fbb
ICICI Coral
ICICI AmazonPay
HDFC Diner Premium
CITI Rewards
RBL ET Money
Amex Everyday Spends
Standard Manhattan
Standard Landmark rewards
Standard Super Platinum
HSBC platiunm
Kotak Urbane

Want to have:
Axis Buzz or Neo
Amex Payback

PS: Dont be like me in 6.5 L debts with no job in hand

Oooh!
Opting for more credit card affact credit score . Didn’t you get any problem with any of your card regarding score?

Ps.

Having axis buzz ; if anyone needs any particular information then feel free to ask.

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916878

Atlantic

2019-06-27

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Expand

BARCODE wrote:
Oooh!
Opting for more credit card affact credit score . Didn’t you get any problem with any of your card regarding score?

Ps.
Having axis buzz ; if anyone needs any particular information then feel free to ask.

score is somewhere around 773 but i think its not too bad score, peak of it was 806

i have paid all bills at time but its only matter of time i could hit rock bottom and it will start decreasing

I strongly suggest all with new and recent job not to have more than 2 credits cards, for instant discount i am sure you can find friends to help on the offers like i do now by providing them with instant discount of all the cards i have, the more limit u have the more u spend i have seen only a few with strong control mechanism

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916954

Bhalla_here

2019-06-27

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Atlantic wrote:
Have
SBI Simplyclick
SBI fbb
ICICI Coral
ICICI AmazonPay
HDFC Diner Premium
CITI Rewards
RBL ET Money
Amex Everyday Spends
Standard Manhattan
Standard Landmark rewards
Standard Super Platinum
HSBC platiunm
Kotak Urbane

Want to have:
Axis Buzz or Neo
Amex Payback

PS: Dont be like me in 6.5 L debts with no job in hand

Do you keep all these cards in one wallet?

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5916998

Atlantic

2019-06-27

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Expand

Bhalla_here wrote:
Do you keep all these cards in one wallet?

yes wanna loot me smile

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5917001

Bhalla_here

2019-06-27

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Expand

Atlantic wrote:
yes wanna loot me

no…bus wallet janna h konsa h wo

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5917006

_One_Miller_

2019-06-27

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Expand

Atlantic wrote:
yes wanna loot me

Same thought came in my mind.

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5917065

srini1973

2019-06-27

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Have:
Axis bank neo credit card
Amazon ICICI Credit Card
ICICI Platinum card X 2
American express gold charge card
American express gold credit card
SBI Railway Credit Card
Yes Bank Credit Card
Indus Ind Bank Credit Card
HDFC Regalia First credit card
RBL ET Money credit card
RBL Bajaj Fin Serv credit card

Want to have :
Any LTF card which are used in day to day life

Best usefull for me :
Amazon ICICI Credit Card
AMEX Gold Charge Card

Still I am waitlisted in CRED. rage rage

https://www.desidime.com/discussions/credit-cards-you-have-and-you-want?page=1#post_5917084

Bhalla_here

2019-06-27

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srini1973 wrote:
Have:
Axis bank neo credit card
Amazon ICICI Credit Card
ICICI Platinum card X 2
American express gold charge card
American express gold credit card
SBI Railway Credit Card
Yes Bank Credit Card
Indus Ind Bank Credit Card
HDFC Regalia First credit card
RBL ET Money credit card
RBL Bajaj Fin Serv credit card

Want to have :
Any LTF card which are used in day to day life

Best usefull for me :
Amazon ICICI Credit Card
AMEX Gold Charge Card