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

Best Card

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

Nice Portfolio

What’s ur cibil score?

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.

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

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

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

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.

Good point. There's a few reasons:

1. 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).

2. 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.

3. 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.

4. 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.

Any specific criteria to get offered Infinia? I am stuck at Regalia gold

Btw currently use ICICI cards (Amazon Pay and Rubyx)

They made my credit limit 22L for some reason, not sure if I should be having that limit lol, it’s messed up

Axis has devalued most of its cards

Is regalia useful? I am offered it by the bank

I use it mainly for the lounge access and when Dineout used to be a thing before Swiggy took over. Also you tie one of your utilities with SmartPay for auto bill payment on a monthly basis and it becomes free without having to pay the annual fee from the second year without any minimum spending requirment to be met. SmartBuy too seems to be having some really good offers but I haven't explored it fully using my Regalia.