WobblyCupcake

Credit Card Mega Thread: Which Credit Cards do you have and What are the Limits?

Thread to discuss credit cards what all basic, specific and premium cards you hold and what are your credit limit on that card.

17mo ago

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SillyQuokka

Swiggy17mo

I use only 1 CC HDFC Infinia - 13 lacs

WobblyCupcake

Stealth17mo

Best Card

SparklyPanda

Airbus17mo

Did you request or did hdfc offer? Is it LTF?

DizzyLlama

Freelancer17mo

AXIS (8.55L) - Reserve Vistara Infinite Select

Amex - Gold Charge - No preset limit MRCC PLAT TRAVEL

Hdfc (3L) - Regalia Gold Tata neu Infinity

Indusind - Eazydiner

Kotak - Zen Signature

BoB - Premier Rupay

Pnb - Rupay Select

Icici - Amazon Pay

WobblyCupcake

Stealth17mo

Nice Portfolio

FluffyNugget

Plivo17mo

What’s ur cibil score?

BouncyWalrus

Stealth17mo

Amazon Pay ICICI card - 6.2 L ICICI coral - 6.2 L

I Use Amazon pay ICICI card because it gives 5% cashback on Amazon and 1% of all other transactions

CosmicPotato

Stealth17mo

Hey man have you got any idea how the limit for your Amazon pay card increased? I use it regularly but I am still capped at 1 L.

BouncyWalrus

Stealth17mo

Initially my limit was 60 K as my salary was 30k , I used it regularly then it got increased to 1L , I switched job now my salary is 1L and kept using the card so now it's 6.2 L .

Whenever you are eligible for increased limit you get a msg informing you that you can increase your limit by replying to the message

SillyPotato

Stealth17mo

HDFC Ragalia - 11L HDFC Tata Neu Infinity - 11L Axis Ace - 2.9L Amex MRCC - 3.2L Amazon ICICI - 5L

DizzyLlama

Freelancer17mo

Hey @MoralPrior41 , maybe it's time you upgraded your Regalia to Infinia? You definitely meet the floor limit for it

SillyPotato

Stealth17mo

Trying to get one, but not getting it. Any tips/help?

SnoozyWaffle

Stealth17mo

ICICI (Amazon Pay) - 5.1L Axis (Ace) - 3.3L SBI (Cashback) - 1L HDFC (Moneyback+) - 75K

I use ICICI Amazon Pay Card for amazon exclusive payments. SBI Cashback Card for anything online other than amazon. Axis Bank Ace Card for bill payments & anything offline since it offers 2% on offline transactions. And, I have kept HDFC one since I got it lifetime free, and use it when there are discounts for HDFC Credit Cards in Flipkart/Amazon sales (usually around Big Billions)

ZestyDumpling

Sharechat17mo

Why not SBI Cashback on Amazon as well?

Amazon ICICI card gives cashback as Amazon Pay balance. While SBI gives back in credit card payment itself, which is much better imo.

SnoozyWaffle

Stealth17mo

Good point. There's a few reasons:

Amazon Pay Credit Card was my first credit card, and hence has the longest credit history. So, there was no point in closing it after getting the Cashback Credit Card (as it being the latest one for me).
Cashback Credit Card has almost 1/5th the limit of my Amazon Card. Hence, I like utilising the Amazon one as much as I can before I can stress the Cashback one. I dont want either of my cards to have spends >20% of the available limit.
If there is a sale on Amazon (like Prime Day), if there is 10% discount on SBI Credit Cards, Cashback Card is always excluded from it. But, Amazon Card is usually offered the benefit with 5% Discount + 5% Cashback.
I honestly feel that Cashback Card will be nerfed in future (I mean, it was already nerfed a few weeks back), but its still too good to be true.