What is the best credit card you have added to your card portfolio for 2022?

[TechnoFino]

Hey TF Community members,
I was thinking to ask you guys: What is the best credit card you have added to your card portfolio for 2022? What are the main differences between your January 2022 card portfolio and your December 31st, 2022 card portfolio?
Let's start this discussion with my story. But before that, I have an announcement for you guys.
The CreditPedia application is fully ready (first phase). It will be available on the Google Play Store and Apple App Store soon (within the next 2 or 3 days).
The second phase will be very interesting (It's under development), and I'm sure you guys will love the concept. I'll post some screenshots soon

Okay... back to the topic...
The best credit card I have added to my card portfolio in 2022 is the Axis Reserve credit card (Jan. 2022).
My credit card portfolio was -
1. American Express MRCC
2. American Express SmartEarn
3. Axis Bank Vistara Infinite
4. Axis Bank Magnus
5. Axis Bank ACE
6. BOB Eterna
7. Citibank Rewards
8. HDFC Bank Infinia Metal
9. HDFC Bank Millennia
10. ICICI Sapphiro
11 ICICI HPCL Coral
12 ICICI Amazon Pay
13. IDFC First Bank Select
14. Indusind Bank Legend
15. Indusind Bank Legend - 2nd
16. Kotak Privy League Signature
17. OneCard
18. RBL Shoprite
19. SBI BPCL
20. Standard Chartered Ultimate
21. Yes First Preferred

22. American Express Platinum Card (USA)
23. American Express Cash Magnet (USA)
24. American Express Everyday (USA)

On December 31, 2022:

1. Amex MRCC
2. Amex SmartEarn
3. Amex Gold Charge
4. AU Zenith
5. Axis Reserve
6. Axis Vistara Infinite
7. Axis Magnus
8. Axis Atlas
9. Axis ACE
10. BOB Eterna
11. BOB Premier
12. BOB IRCTC
13. BOB Easy
14. BOB Select
15. Citi Rewards
16. HDFC Infinia
17. HDFC Diners Privilege
18. HDFC Tata Neu Infinity
19. ICICI Emeralde
20. ICICI Sapphiro
21. ICICI Rubyx
22. ICICI HPCL Coral
23. ICICI Amazon Pay
24. ICICI MMT Signature
25. IDFC First Bank Select
26. Indusind Bank Signature Legend
27. Indusind Bank Pioneer Heritage Metal
28. IndusInd Bank Crest
29. IndusInd Bank EazyDiner
30. Kotak League Signature
31. OneCard By BOB
32. PNB Rupay Select
33. RBL Zomato Edition Black
34. SBI BPCL
35. SBI Vistara Prime
36. SBI Cashback
37. SC Ultimate
38. Yes First Private

39. Amex Business Platinum Charge Card (US)
40. Amex Platinum For Schwab (US)
41. Amex Marriott Bonvoy Business (US)
42. Amex Everyday (US)
43. Amex CashMagnet (US)
44. Citi Custom Cash (US)
45. Capital One Platinum (US)
46. Capital One SavorOne Rewards (US)

The card count was 24 on January 1, 2022, but it is now 46 on December 31, 2022. Added 22 credit cards this year! Hopefully I'll add more cards next year!
Cheers 🥂 🍻
Happy New Year 2023

Sumanta Mandal
TechnoFino

 

[Patil007]

I am getting ICICI Saphhiro upgrade but it isn't LTF, should I upgrade ? Is it worth it ?

Big no, if isn't LTF.

Currently only two ICIC cards are worth which are LTF. APay and Platinum for offers.

 

[vip3rc5]

New Cards I got in 2022 -
1. Amex SmartEarn - 495 + GST
2. Federal Bank One Card - Preapproved LTF
3. IDFC First Millinea Card - LTF
4. HDFC Diners Privilege - Preapproved LTF
5. SBI SimplySAVE changed to SimplyClick

Have already applied for BOB let's she how long it takes

2023 Plans -
1. ICICI Platinum Chip
2. IndusInd Legend
3. Axis Atlas

 

[vaibhav111]

jan - IDFC Select LTF - limit 2.0 lakhs
April/May - bob select , applied for bob premier though limit 40k
march - axis myzone LTF limit 1.87 have fk variant too
may - RBL zomato paid variant (590) took reversal amount back like December 2022 - limit - 2.50 lakhs
april - one card limit 3.85 lakhs

August - SBI Smart rejected cause I'm self-employed
October - SBI Cashback paid 999+gst - limit 73,000 k have simply click too , limit 1,30,000 both have a separate limit though
November - MRCC FYF - limit - 2.97 lakhs

Total cc card i have is now 12

Rupay card is missing cause it confusing cause of PNB & Union both take too much time and I'm not interested in hdfc tata neu card wether FYF or LTF, & axis magnus is the card I'm yet to add to my card portfolio cause my spend is isn't high as 1 lakhs yet.

 

[vaibhav111]

MRCC and magnus added.
Liked both of them.
Want to get rid of zomato edition card, lazy to mail them.

i have email to rbl zomato and they call me and gave me fees reversal cause mine is paid , email to cardcancellation@rblbank.com, they will call you within a hour after you sent them a email, ask for LTF if that what you're looking for

 

[SachuHopes]

2022
BOB 2 cards
1 IDFC Card
2 Amex Cards
2 ICIC Cards
1 Kotak Card
1 Indusind Card
1 HDFC

NOW total 24 Cards

2023 Looking forward to add
Standard Chartered Card
RBL Bank Card
Punjab National Bank Card
Union Bank Card

 

[anirbanm]

are u salaried or self employed?

I'm self employed

 

[anirbanm]

I also received the same card as LTF last week

How?
What about joining/renewal benefits? (Plane tickets)

 

[cm9]

Best Credit Card added to my portfolio are Axis Bank Vistara Infinite , One card , Icici Bank Sapphiro

 

[suhailmz]

Jan 2022
1.HDFC REGALIA
2.ICICI AMAZON
3.Zomato edition RBL
4.ONE CARD FEDERAL

Dec2022
1.HDFC REGALIA
2.ICICI AMAZON
3.Zomato edition RBL
4.ONE CARD FEDERAL
5.IDFC MILLENNIA
6.INDUSIND LEGEND
7.SBI CASHBACK
8.Yes rewrds

How did it impact your credit score. You have applied for 4 additional cards within a year.

 

[deep@vie]

How did it impact your credit score. You have applied for 4 additional cards within a year.

no impact at all

 

[coolanshu1000]

Yes for first question, did full tank at HPCL petrol pump, received cashback on HP pay. No fuel surcharge! So far linked only PNB RuPay card with BHIM, will try Uni Carbon now.

Did uni carbon work for UPI? Thinking of getting that card for UPI txns.. @Digvijay

 

[Digvijay]

Did uni carbon work for UPI? Thinking of getting that card for UPI txns.. @Digvijay

Yes, it's working

 

[ARV]

Jan 2022
ICICI Platinum and Kotak 811 both FD, now closed
Best card added Magnus.

Below is the list of cards added in 2022

Bank	Card Variant
Axis	Flipkart
Axis	Magnus
Axis	Vitara Infinite
SBI	Prime
BOB	Eterna
IndusInd	Legend Signature
One	South Indian Bank
AMEX	MRCC
AMEX	Gold Charge
PNB	Select
HDFC	DCP
ICICI	Amazon Pay
SBI	Cashback card
RBL	Zomato

 

[metal_heart]

Year 2022 had 20+ CIBIL hit to acquire various LTF cards this year. Lowest Score 780; Highest 798; Current 789
Planning to slow down & focus on Rewards Acquisition this year.

 

[AllSeeker]

Jan 2022
ICICI plat secured (Closed)
Kotak Secured (Closed)
One Card Unsecured
Axis Freecharge plus (Closed/Upgraded)
ICICI Apay

Dec 2022
Axis FK LTF
HDFC Millennia LTF
IDFC Millennia LTF
RBL zomato LTF
BOB easy LTF
Axis Neo LTF
SBI IRCTC basic Rupay (Paid)
Axis Airtel (Paid)
Amex Smart earn (Paid but spend criteria for fee waiver is already met)


Not interested to add anything to this. SC, HSBC, Yes, Indus, I won't be applying for and for sure won't be taking any paid cards unless value back is 10x over the year at least (for my spend pattern).

 

[Matrik]

Jan 22
HDFC Corporate
ICICI Coral

Dec 22
Axis Vistara Infinite (Best card added)
IndusInd Legend
HDFC Corporate
ICICI Coral
Not adding Add on cards

 

[coolanshu1000]

Jan 22-
Axis Ace
SBI Simply Save
ICICI Amazon Pay

Dec 22-
Axis Ace - PAID
Axis airtel - PAID
SBI Simply Save _ LTF
ICICI Amazon Pay -LTF
ICICI MMT platinum -LTF
HDFC Millennia -LTF
UBI Rupay Select - PAID

Overall satisfied with the current portfolio as I am getting 5% cashback on most of the categories.

 

[Vineet_]

Jan 2021-

Secured Card-

1. Icici Bank Secured Card - Closed on 6 months
2. Kotak 811 Secured Card Card - Closed on 6 months

Next After 6 months

3. Icici Bank Secured Card - Closed on 8 months

2022- (Card Approved after initial declined)
1. FK Axis - Paid 590/- (After 8 cibil enquiry in declined 2021 , finally approved)
2.Airtel Axis - Paid 590/- (With in 1 go got approved after initial launch in march 2022)
3.SBI Simply click - Paid 499+gst/- (After 3 times rejects approved due to kyc & agents details mismatch on 2021)
4.Amazon Pay ICICI - LTF (After long Fight with Icici over 1 year with RBI escalations) (3 times got declined as per cibil on 4th times it got approved)
X- Icici Bank Secured Card - Closed in a months due to emergency Fund withdrawal
5.BOB JCB Rupay - LTF (Limit very less in 1 go approved)
6.HDFC Shoppers Stop - LTF (After reconsideration to cc got approved 1 times got declined in 2021)
7.Lazy RBL - LTF (First Declined due to address serviceability after reconsider long efforts got approved)
8.ICICI MMT Platinum - 590/- JF + 2nd year LTF (With Expression Route)
9.ICICI Platinum - LTF (During Expression Cancellation approved)

Satisfied with current portfolio after long efforts following got collected not looking for more due to its not easy to manage all of them easily now focus on Axis Ace & HDFC Millenia but feels like i am very far away to touch. Cibil Trans always b/w 765- 780 now it is 788 total 33 enquiry found 9 from axis , 4 from icici , 3 from sbi majority.

 

[pandyag]

Jan 22

Hdfc DCB (ltf)
Icici Apay (ltf)
Rbl zomato classic (ltf)

Dec 22

Airtel axis (paid)
Idfc wealth (ltf)
Hdfc tata neu (paid - closed)
One card (ltf - plan to close)

 

[suhailmz]

Though I got a few cards in 2022, But below are the worth mentioning
- SBI Cashback CC
- AMEX MRCC

Rest (& many) of them were LTF. Just got them for any online offer(s) (if any).

Also applied another; on Day one of 2023
ICICI Saphhiro (LTF)

How did u get Saphiro LTF? I can see an upgrade in the app, but it’s paid.