How many Credit Cards do you have and which ones?

[rohit]

Hey everyone! Let’s talk credit cards.

They’re not just for transactions—they bring perks, cashback, and rewards too. I currently have 14 credit cards across various banks, each tailored to different needs. Here's my lineup:



ICICI Bank (3 cards)

• Platinum (LTF): For Offers
• MakeMyTrip (LTF): For Offers
• Amazon Pay (LTF): For offers on Amazon, but now less used

Axis Bank (2 cards)

• Neo (LTF): For offers on Zomato
• MyZone (LTF): For offers on Swiggy, but now less used

SBI (2 cards)

• Cashback (LTF): For 5% cashback on all online shopping
• SimplyCLICK (LTF): For offers

Bank of Baroda (2 card)

• Premier (LTF): For offers
• HPCL Energie (LTF [Virtual]): I was getting it, so I took it

IndusInd Bank (2 card)

• Legend (LTF): I was getting it, so I took it
• Platinum RuPay (LTF): I was getting it, so I took it

Kotak Mahindra Bank (1 card)

• League (LTF): I was getting it, so I took it

YES Bank (1 card)

• ACE (LTF): I was getting it, so I took it

Federal Bank (1 card)

• Celesta (LTF): I was getting it, so I took it

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

 

[asktriman]

Here is my list, too many to list down. So, will just write the ones that I use regularly

• HDFC Infinia - The king and this one takes bulk of my spends
• Yes Bank Reserve - Got this for RuPay but later found UPI spends don't get rewards
• IndusInd Legend - Got this just to get Exclusive savings account
• IndusInd Platinum RuPay - Use this for making UPI payments with super money app
• Tata Neu Infinity HDFC Bank - Use this for UPI and also spending on Tata Neu partner apps
• SBI Cashback - The best cashback card there is for online spends and gift vouchers

 

[Jay]

Following is my list:

Paid Cards

Airtel Axis - Paid

Axis Ace - Paid

Amex Gold Charge - Paid

Amex Plat Travel - Paid

Citi IOCL/Axis IOCL - Paid

StanC Ultimate - Paid

RBL Play - Paid

LTF Cards

IDFC Select - LTF

Kotak Pvr Inox - LTF

ICICI Coral - LTF

ICICI Apay - LTF

ICICI Rubyx Amex - LTF

ICICI Rubyx MC - LTF

HDFC Diners Privilege - LTF

HDFC Neu Infinity - LTF

HDFC Swiggy - LTF

Indusind Pinnacle - LTF

Indusind EazyDiner - LTF

Amex MRCC - LTF

SBI Cashback - LTF

SBI Ola - LTF

One Card Bob - LTF

Axis Neo - LTF

Amex Plat Travel and SC Ultimate are primary drivers apart from RBL Play and Kotak PVR Inox.

 

[JonSnow]

My Cards

For Major spends
SC Platinum Rewards - LTF (this was my first card that came with my salary account)
SC Titanium - Paid (Fuel and Utility, closing it this year)
HDFC Millennia - Paid (used this card extensively to get upgrades but got nothing)
HDFC Tata Neu Infinity - LTF (UPI spends)
Amex MRCC - Paid
Pinnacle - 15k JF/LTF (Got this to get Exclusive account for family)
ICICI AmazonPay - LTF (Amazon spends)

For Merchant Offers
HSBC Platinum - LTF
AU Ixigo - LTF
Federal Imperio - LTF
Axis Neo - LTF
SBI Pulse - Paid (will close this after 1st year)
ICICI Coral - LTF

I plan to add Axis Atlas this year.

 

[insigia]

Amex Trifecfa

HFDC Regalia Gold

Indusind Legend

Amazon Pay ICICI Card

Main uses on Amex, and HDFC Regalia Gold.

 

[Mayank]

Here are mine:

Travel:

1. Amex Platinum Travel - Paid Card
2. Axis Atlas - Paid Card
3. SBI Air India Signature - Paid Card
4. SBI Etihad Signature - Paid Card
5. ICICI Emirates Skywards Sapphiro - Paid Card
6. RBL World Safari - Fees waived through customer care for 2nd year in a row.
7. Standard Chartered EaseMyTrip - Paid

Dining and Lifestyle

1. HDFC Diners Privilege - LTF
2. Amex MRCC - Spend-based fee waived
3. IndusInd EazyDiner Signature - Paid
4. HDFC Swiggy - LTF

Groceries, Utilities, Insurance, Fuel, etc

1. Axis Airtel - Paid
2. HDFC TATA Neu Infinity - Paid
3. RBL Shoprite - LTF (UPI Spends)
4. IDFC First Power+ - Paid (UPI Spends)

For Merchant Offers:

1. IDFC First Select - LTF
2. Yes Bank Select - LTF
3. IndusInd Legend - LTF
4. HSBC Platinum - LTF
5. Federal Celesta - LTF
6. AU Bank LIT Card - LTF

 

[JonSnow]

Here are mine:

Travel:

1. Amex Platinum Travel - Paid Card
2. Axis Atlas - Paid Card
3. SBI Air India Signature - Paid Card
4. SBI Etihad Signature - Paid Card
5. ICICI Emirates Skywards Sapphiro - Paid Card
6. RBL World Safari - Fees waived through customer care for 2nd year in a row.
7. Standard Chartered EaseMyTrip - Paid

Dining and Lifestyle

1. HDFC Diners Privilege - LTF
2. Amex MRCC - Spend-based fee waived
3. IndusInd EazyDiner Signature - Paid
4. HDFC Swiggy - LTF

Groceries, Utilities, Insurance, Fuel, etc

1. Axis Airtel - Paid
2. HDFC TATA Neu Infinity - Paid
3. RBL Shoprite - LTF (UPI Spends)
4. IDFC First Power+ - Paid (UPI Spends)

For Merchant Offers:

1. IDFC First Select - LTF
2. Yes Bank Select - LTF
3. IndusInd Legend - LTF
4. HSBC Platinum - LTF
5. Federal Celesta - LTF
6. AU Bank LIT Card - LTF

those are a lot of travel cards, ever thought of replacing all of them with either Magnus Burgundy/Horizon(when applications open) or HDFC Infinia/HSBC Premier.

 

[Mayank]

those are a lot of travel cards, ever thought of replacing all of them with either Magnus Burgundy/Horizon(when applications open) or HDFC Infinia/HSBC Premier.

I’m quite happy with the yearly benefits I receive from my Emirates and Etihad. Etihad Airways, in particular, is my favorite—they’ve upgraded me to business class for free (no miles or charges involved) six times on the CDG-AUH-CDG sector aboard their A380. My major expenses are airline-related, so these cards work perfectly for my needs.

As for upgrades, my Axis Bank RM mentioned that I could upgrade from Atlas to Olympus whenever it becomes available, which is something I’m considering. I primarily focus on redeeming card points for Airmiles, which aligns with my travel-heavy spending.

I’ve also spoken about the RBL World Safari card on this forum before. The 0% Forex markup is a great feature, and they’ve always been accommodating by waiving any fees. So for now, I’m sticking with my current setup—it’s been working well for me!

 

[easemoney]

1. SBI Prime
2. Kotak IndianOil
3. Yes bank business prosperity credit card
4. Flipkart Axis Bank Credit Card
5. HDFC Moneyback Credit Card
6. TATA Neu HDFC Credit Card

 

[RaMKa]

No body gets a free lunch. - Going for a credit card (with hefy joining and annual fees) purely for rewards point is not a productive thing in my opinion. We spend lots of time on tracking expenses to be sure of completing annual spend milestone to get subsequent year's annual fees waived off. And if we have many cards, this becomes additional challenge as for all such waiver annual fees cards we need to complete spend annually. for more than 15 years, I am holding HDFC, ICICI, Axis,, HSBC, StanChart Manhattan, IDBI, InduSind, & IDFC credit cards, all mostly platinum and LTF (Zero annual fees and NOT annual fees waiver upon certain spend using card) I ensured that I used these minimum once a year to avoid deactivation for so many years. I did not see any issue while using any card or with customer support. With my goal of having any LTF credit card (no need to track annual fees of spend to get annual fee waived off) I noticed, ICICI, HDFC and Axis are good credit cards.

To leverage early bird offers of Rupay credit card like discounts and cashbacks since 2022, I enjoyed Indian Bank (SB AC Req), BoB, UBI(SB AC Req), Canara Bank(SB AC Req), PNB and Kotak. As ICICI and HDFC were not issuing Rupay add-on CC, I went for these PSU bank credit card and wherever required opened savings account. And had collected good cashback on these Rupay and credit cards transactions on UPI app were seamless. Now closed all Rupay CC except BoB. Closed it as to keep number of credit cards manageable and PNB and UBI started annual fees on Rupay CC. BoB Rupay is still free and gives cashback.

Other cards like Standard Chartered Manhattan, HSBC, IndusInd, IDFC and IDBI (platinum and LTF) are ok and nothing great on rewards and offers (unless one goes for other variant with hefty joining and annual fees). IDBI website is not great. Had opted for IDFC no-EMI credit card offer and found interest changed on the monthly statement for EMIs. Recently had issue with IndusInd as they have removed humans as customer care team and everything is IVR based not addressing failed transaction issue reporting. Now a days all banks keep changing T&C and we have seen lounge access vanishing from many cards.

Instead I would suggest try SBI that has maximum offers on Amazon or even ICICI and HDFC. No point in applying for other cards unless it is corporate credit card and your are frequent flyer/traveler. I do not have one, but planning to go for it. Many times on Amazon,. I have to use my brother's SBI card and hence impressed with it.

Summery - If we keep minimum cards with primary (Visa/Master card) + Rupay add-on card, and use it heavily across Rupay and other purchases, it would help get more points. Hence no point is hunting for higher rate rewards card.

 

[Mayank]

No body gets a free lunch. - Going for a credit card (with hefy joining and annual fees) purely for rewards point is not a productive thing in my opinion. We spend lots of time on tracking expenses to be sure of completing annual spend milestone to get subsequent year's annual fees waived off. And if we have many cards, this becomes additional challenge as for all such waiver annual fees cards we need to complete spend annually. for more than 15 years, I am holding HDFC, ICICI, Axis,, HSBC, StanChart Manhattan, IDBI, InduSind, & IDFC credit cards, all mostly platinum and LTF (Zero annual fees and NOT annual fees waiver upon certain spend using card) I ensured that I used these minimum once a year to avoid deactivation for so many years. I did not see any issue while using any card or with customer support. With my goal of having any LTF credit card (no need to track annual fees of spend to get annual fee waived off) I noticed, ICICI, HDFC and Axis are good credit cards.

To leverage early bird offers of Rupay credit card like discounts and cashbacks since 2022, I enjoyed Indian Bank (SB AC Req), BoB, UBI(SB AC Req), Canara Bank(SB AC Req), PNB and Kotak. As ICICI and HDFC were not issuing Rupay add-on CC, I went for these PSU bank credit card and wherever required opened savings account. And had collected good cashback on these Rupay and credit cards transactions on UPI app were seamless. Now closed all Rupay CC except BoB. Closed it as to keep number of credit cards manageable and PNB and UBI started annual fees on Rupay CC. BoB Rupay is still free and gives cashback.

Other cards like Standard Chartered Manhattan, HSBC, IndusInd, IDFC and IDBI (platinum and LTF) are ok and nothing great on rewards and offers (unless one goes for other variant with hefty joining and annual fees). IDBI website is not great. Had opted for IDFC no-EMI credit card offer and found interest changed on the monthly statement for EMIs. Recently had issue with IndusInd as they have removed humans as customer care team and everything is IVR based not addressing failed transaction issue reporting. Now a days all banks keep changing T&C and we have seen lounge access vanishing from many cards.

Instead I would suggest try SBI that has maximum offers on Amazon or even ICICI and HDFC. No point in applying for other cards unless it is corporate credit card and your are frequent flyer/traveler. I do not have one, but planning to go for it. Many times on Amazon,. I have to use my brother's SBI card and hence impressed with it.

Summery - If we keep minimum cards with primary (Visa/Master card) + Rupay add-on card, and use it heavily across Rupay and other purchases, it would help get more points. Hence no point is hunting for higher rate rewards card.

I disagree with you. I have been using Credit Cards for 12 years now. And I have owned more than 36 cards by now. LTF is good to have, but your point here is more about Cashback and offer-related cards. When you begin your journey, it's about having good cashback and offer-based cards, but as you upgrade, it becomes more about Reward Points. Start accumulating reward points, burn them for free flights and hotel stays, and youwill see why people prefer Rewards over Cashback. Yearly, I pay approx. 43K INR + GST in India and €350 in Europe to maintain my cards, and the rewards I get are next-level.

 

[RaMKa]

I disagree with you. I have been using Credit Cards for 12 years now. And I have owned more than 36 cards by now. LTF is good to have, but your point here is more about Cashback and offer-related cards. When you begin your journey, it's about having good cashback and offer-based cards, but as you upgrade, it becomes more about Reward Points. Start accumulating reward points, burn them for free flights and hotel stays, and youwill see why people prefer Rewards over Cashback. Yearly, I pay approx. 43K INR + GST in India and €350 in Europe to maintain my cards, and the rewards I get are next-level.

I am not preferring cashback over rewards, for me those are just benefits. The point is to pay small/hefty joining+annual fees or to commit spending to these waived off. to earn these. And cards that give good rewards do have these charges like redeeming fees, joining and annual fees. As I mentioned on another response on different thread, if cardholder is a frequent flyer and/or having corporate credit card making her/him earn miles that prove to be profitable after paying annual fees, they should enjoy. If you are benefitting by paying 80,000+tax to earn rewards and miles, enjoy!!!

 

[Bazinga]

Coming back to the original thread and post.. These are the following cards I'm holding.
ICICI emeralde metal
HSBC premier
Diners Club black plastic-LTF
Axis horizon
Amex platinum travel


Recently closed SCB ULTIMATE

 

[Mayank]

I am not preferring cashback over rewards, for me those are just benefits. The point is to pay small/hefty joining+annual fees or to commit spending to these waived off. to earn these. And cards that give good rewards do have these charges like redeeming fees, joining and annual fees. As I mentioned on another response on different thread, if cardholder is a frequent flyer and/or having corporate credit card making her/him earn miles that prove to be profitable after paying annual fees, they should enjoy. If you are benefitting by paying 80,000+tax to earn rewards and miles, enjoy!!!

I believe you have a very different use case, or you are starting new. Everyone started with the same mindset (me included). As your spending power increases over time, your lifestyle changes, and your approach to card spending w.r.t rewards changes too. Your conclusion in your comments"Summery - If we keep minimum cards with primary (Visa/Master card) + Rupay add-on card, and use it heavily across Rupay and other purchases, it would help get more points. Hence no point is hunting for higher rate rewards card." is highly biased and accurate for yourself, but not for everyone.