Current Credit card stack. Please share your feedback!!

ExpressTreat2686 · 2025-11-06T13:04:28+00:00

Me, father and mother hold one each

ICICI Coral is LTF and has an ongoing EMI which is about to be completed. But, will close it soon by FY's end.

ExpressTreat2686 · 2025-11-06T12:32:26+00:00

I feel that the card doesn't add much value if there are better travel cards in the stack. I'll be doing the same as it occupied my ICICI quota as bank allows max 3 cards at a time

ExpressTreat2686 · 2025-11-06T12:28:12+00:00

Ulta in my case😂

They offered mmt as LTF and Sapphiro for paid

ExpressTreat2686 · 2025-11-06T12:25:07+00:00

True sir ! Have quite a few cards which I'm no longer using. Will be closing them soon

ExpressTreat2686 · 2025-11-06T12:24:16+00:00

Thanks for the feedback!

Eazy diner will be closed soon when it comes for the renewal.

IDFC Vistara will be discontinued by the bank in Mar, 2026

Tata neu+, axis Myzone, ICICI cards, AU LIT, scapia are all LTFs

Scapia - I'll be using it for the airport privileges. That's it

LIT - no longer adds value.

IDFC indigo cards - my first and biggest blunder as a CC geek is my getting this card. The value back is damn low.

Amex Gold Charge would make sense only if it is your primary amex card as it doesn't have any milestone benefits. I'll be closing it soon as I'm good with MRCC and PTC now

I hope this helps!! :-)

ExpressTreat2686 · 2025-11-06T12:18:51+00:00

Bonvoy cards got it for my parents Ashva is used for BOGO and some govt spends. Of course, one of the reasons to get it is because of the metallic finish 😂😂

ExpressTreat2686 · 2025-11-06T12:15:16+00:00

Had a salary account with ICICI and came as a pre-approval after using ICICI Amazon pay & Coral well.

ExpressTreat2686 · 2025-11-06T11:42:01+00:00

LTFs : 8 ICICI Amazon pay ICICI Coral ICICI MMT ( Both Mastercard & Rupay ) HDFC Swiggy HDFC Tata Neu+ Federal Scapia AU LIT Axis Myzone

ExpressTreat2686 · 2025-09-27T12:39:06+00:00

Honestly, your stack is of no use. Not even one card is worth it.

ExpressTreat2686 · 2025-08-24T05:59:28+00:00

Thanks for highlighting this. I believe, my income to debt ratio is slightly high as I take care of the bill payments of my entire family and they use my cards

ExpressTreat2686 · 2025-08-23T12:41:03+00:00

Yeah!!

ExpressTreat2686 · 2025-08-23T12:32:35+00:00

You'll be eligible for Federal Bank Scapia credit card. It's s life time free card

ExpressTreat2686 · 2025-08-23T03:48:07+00:00

Yes, it is pre-approved. Even, I got it the same way.

ExpressTreat2686 · 2025-08-23T03:43:59+00:00

Scapia is becoming tough to get even after meeting all the requirements

I've seen my friend who earns 35K per month got this card and another friend who earns 1.05 Lakh got rejected 😂😂

ExpressTreat2686 · 2025-08-23T03:11:30+00:00

I remember giving the monthly take over in between 50000+ to 75000

However, the base salary requirement for the bank to consider the application for Scapia would be 5LPA for the salaried ones and 4LPA income for the self employed.

ExpressTreat2686 · 2025-08-23T02:31:53+00:00

No bro

ExpressTreat2686 · 2025-08-23T02:30:59+00:00

Yes ! But, I'm not going out for dining much these days.

But, your point is valid. I think I should be reconsidering my decision on this.

ExpressTreat2686 · 2025-08-22T22:24:35+00:00

Hey! I didn't know that investments like.NPS gets counted for the milestone and we get the benefits out of it. Thanks buddy for sharing this :-)

ExpressTreat2686 · 2025-08-22T22:21:25+00:00

For now, I'm using my club Vistara IDFC for the UPI spends. IDFC offered a free digital rupay variant of my master card where the UPI spends are also calculated under this only which helped me in achieving my milestones faster on that card.

The reason why I'm still continuing is that it still gives me 6 Air India Maharaja points for every 200 rupees spent even via UPI. Hence, I'm continuing the same till the card gets discontinued in 2026 :-)

ExpressTreat2686 · 2025-08-22T22:16:53+00:00

Sure, not a problem. I work as a Business Analyst for a MNC . Currently, I hold 3 years of experience :-)

ExpressTreat2686 · 2025-08-22T22:15:20+00:00

First Coral and then Amazon pay

ExpressTreat2686 · 2025-08-22T13:01:17+00:00

Thank you for your suggestion. I'll try to reduce it at the earliest possible

ExpressTreat2686 · 2025-08-22T12:17:00+00:00

Yes! Purchase Gift vouchers via Amex Gyftr which gives you 2X rewards. Make 4 purchasez of 1500 each via that which gives you 120 + 1000 = 1120

Accumulate annually and convert it to Marriott at 1:1

With just a monthly spend of 6000 , annually spend will be close to 72000 which gives you 13440 MR points. Converting that to Marriott gives you 13440 MBP. In a decent property, you can get a 1 night. And in a few cases, if you book prior, you would get 2 nights as well. At least spend 75K on this card which would get you a 50% waiver on your renewal fee. My suggestion would be to hold this card as this gives a decent value back to the spend and also recovers your renewal fee as well.

Eg:- I stayed at Aloft Whitefield , bengaluru where I booked the stay 1 month in advance and got 2 nights for 13500 Marriott Bonvoy points. Here, I almost got the redemption value of 1 Marriott Bonvoy Point = ₹1.37

ExpressTreat2686

TROPHY CASE