My 2024 credit card portfolio review

2024 Wrap-Up: Reviewing My #CreditCard Portfolio!
As 2024 draws to a close, it’s time for my annual review of one of my favorite financial tools—my Credit Card Portfolio. Whether you’re a points chaser, a cashback enthusiast, or just someone looking for the best deals, here’s a glimpse into my journey this year.

🆕 New Additions
This year, I focused on exploring #Fintech offerings and cards with unique benefits. Here are the standout additions to my collection:
- #UNI NX Wave Card: Zero forex fees + LTF (Lifetime Free).
- #Jupiter Edge Rupay Credit Card: Up to 2% cashback on UPI payments + LTF.
- #IndusInd Eazydiner Platinum CC: Up to Rs. 500 off on Eazydiner pay + LTF.
- #Federal Bank Celestra CC: Great lounge benefits + LTF.
- #HDFC Pixel Card: Amazing Digital journey + Dual issuance (Rupay + Visa) + attractive benefits + LTF.

🔝 Upgrades
Upgrades always feel rewarding! Here are some noteworthy ones:
- #HDFC Diners Black → HDFC Infinia: One of India’s most premium cards with unmatched benefits. FYF (First Year Free).
- #Kotak Gold → Kotak Zen Signature CC: Now LTF.
- #IndusInd Legend → IndusInd Pinnacle: LTF.

✂️ Cards Closed
As much as I love exploring, decluttering is equally important.
- #StandardChartered Ultimate Card: My default card for years. But with most redemption options removed, it became irrelevant.

✈️ Most Used Cards in 2024
- #HDFCInfinia: My primary card, making flying almost free! It funded trips to Arunachal Pradesh, Singapore, Sri Lanka, and a few hometown visits.
- #SBICashback: The ultimate online shopping companion with 5% cashback on almost all sites.
- #ICICISapphiro: Perfect for movies (up to Rs. 500 off with BOGO on BookMyShow).

🔮 Outlook for 2025
2024 saw a wave of credit card downgrades across the industry. Here’s hoping 2025 brings more innovation instead of devaluation. Also expect Banks to relax their "one card policy" (e.g., Yes Bank, Federal Bank). Once that happens, Kiwi, Scapia will surely be added to the portfolio.

🎯 Final Stats for 2024
- Total Cards: Stopped counting after 25
- CIBIL Score: A strong 800+
Looking forward to an exciting 2025, with even more opportunities to optimize my portfolio!

If you’re looking to optimize your credit card portfolio or need help finding the best card for your lifestyle, feel free to DM me or leave a comment below. Credit cards are an amazing financial tool, if one knows how to use them effectively!