CREDIT CARDS - you have and you want

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.

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

“Placeholder for update”

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

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

Want – Infinia, citi prestige

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

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.

I have
ICICI Amazonpay
ICICI coral
Both LTF.

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

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.

Is there any credit card for students ??

Have :
Yes first exclusive
Hdfx regalia
Citi rewards
Citi shoppers stop
Citi indian oil
Sc platinum reward
Sc landmark reward
Rbl titanium delight
Kotak royal signature
Indus iconia amex
Sbi bpcl
Sbi irctc
Tata card
Icici coral
Icici platinum
Icici amazon pay
Hsbc platinum
Amex platinum express free varient
Axis neo
Axis platinum
Axis myzone

May have missed 1-2, i dont keep them in wallet bdw only iconia amex, yes first n amazon icici

Most useful : iconia amex and amazon icici

Want cards ( only with free without spend conditions) :
Hdfc infinia
Scb ultimate
Citi prestige

Cant believe so many credit card legends here.
I have
Hdfc diners Black
YES Exclusive
Sbi simply click
Axis vistara platinum
Citi rewards(downgraded from premier miles)

I want Icici amazon pay (applied but no one came for docs) just for having one icici card related offers. Though still pondering its worth the hassle.
After Hdfc black all card seem almost useless.
Using hdfc black and yes exclusive actively.

I have:
1) HDFC Regalia LTF
2) SBI Prime 2999/yr (3L waiver)
3) SBI SimplyClick 499/yr (1L online spend waiver)
3) Yes First Exclusive LTF
4) Amex MRCC (got free companion to gold charge, which is now closed, so now chargeable) 4500/yr (1.5L waiver)
5) HSBC Platinum LTF

Want to have HDFC Diners Black(have sent upgrade form to chennai, but lee hope), SCB Ultimate (already denied by Standard Charted).

Can someone tell the benefits of Iconia amex card? First Time heard of it and could not understand much how it works.. Compared to say yes exclusive. sbi prime or amex mrcc?

Qsn for all those with Regalia cards. Are you able to redeem the points for cash. How are the reward points calculated. Thinking of getting one.

Very few cards as of now. But love to have all LTF  cards  in future .

Currently…

HDFC Dinners Black
SBI simply click
SBI FBB card
Axis Privileged master world Card
Axis my ZONE (LTF)
ICICI coral visa (LTF)

HDFC is giving me infinia but by replacing my DCB. 

I have following cards

Hdfc moneyback – my first card. It is life time free so no worries not using it now a days except when there is offer on HDFC. Thinking of upgrading it but dont know how to approach them. any suggestions ?

Indusind platinum – life time free. Using mainly for MasterCard lounge access.

Citibank reward – free afrer 30k spend. Using for makemytrip Cashback on flights and other offers time to time my second choice to use after paytm for payment.

Amex gold charge – the awesome card using for more 2.5 years Annual fee 4500 but never paid every time they waived it off. EArned rs 20000 till date in reward points. although not accepted at retail shops. But work well online.

ICICI coral – although debit card but, many benifits. using it for free movie tickets, shopping offers, Makemytrip cashback, lounge access and for bill payment on cred. IT also give low value payback points which i reedem every now and then.

need suggestion on upgrading HDFC card.

how is limit set on our first cc?

Have
Icici jetairways rubyx amex and visa
Icici coral
Icici Amazon pay
Kotak royale signature
Rbl platinum maxima
Hdfc diners clubmiles
Rbl moneytap
Dcb payless

Want to have
Yes first preferred
Diners black
Indus iconia amex

my god. i thought i only have many cards.

I have
city bank credit card indian oil
hdfc money back
icici credit card platinum
standard chartered platinum rewards
sbi simply save.

I have applied for two new. hsbc and yes bank lol

I Have :
Hdfc money back – Ltf
Icici coral – Ltf
Icici Amazon – Ltf
HSBC platinum – Ltf
Sbi gold – Ltf
Sbi fbb – 500/-
Axis myzone – Ltf
Amex rewards – Ltf
Amex platinum – 5k/yr

Wish to hold:
Citi
Scb

My hdfc card is 8 years old, still no option for free upgrade.

Which card offers 1/2% cashback for grocery and offline payments ??

Have
1) Amex MMRC – Spent base free
2) Yes prosperity edge – LTF
3) AXIS platinum – LTF

Want
1) any good LTF card of hdfc. Any suggestions? & how to apply?

2) Want to upgrade from yes prosperity edge to yes first preferred but cc guys keep calling for EMI & don’t listening to my requirement. Any way to do so?

i did not submit any documents for Shopper Stop Card, it was given years back
I think thats why, though i am not sure of his condition

B B K c. liye can be a good

Interesting topic…………

Already have too many cards – i think, do not need more. Dont have money to pay outstanding – any dimer have solution?

@Alpha.Barood
@A2Zdeals
@bluewine
@Tejaa

For Amazon ICICI credit card – Do i need to apply via email address registered with Amazon? Or can i use different email address?

Have:
Amex Mrcc
SBI Simplyclick
Bajaj Finserv RBL Bank SuperCard
Paytm First Citi Credit card.

Want to have:
HDFC Diners Black