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

 

[metal_heart]

How did u get Saphiro LTF?

I dont know how, Honestly. Pure Luck probably.

I have a Salary A/c w/ ICICI and have Rubyx LTF for last 4 Yrs. (which is used probably once a year for card specific offers).
Salary wise, I'm not eligible for Sapphirro

I needed another ICICI card, and planned to take Platinum. While filling form, it showed me Sapphiro as LTF.
I applied, but during verification, the guy denied eligibility for Sapphiro and suggested platinum LTF

I told him, I have screen shot of card offered LTF and would take up w/ RBI for mis-guiding and false selling.
Next day got approval message (which I thought to be for Platinum). Luckily, received Saphhiro

Checked w/ CC, it is indeed LTF.
So now have Rubyx & Sapphiro both as LTF. Still wondering, where I'll use them except for Bank Specific offer

 

[vip3rc5]

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.

Damn 9 Enquiries for an Axis Card, that's too much even by Axis Standard.
Axis ACE is no longer available I guess

 

[suhailmz]

I dont know how, Honestly. Pure Luck probably.

I have a Salary A/c w/ ICICI and have Rubyx LTF for last 4 Yrs. (which is used probably once a year for card specific offers).
Salary wise, I'm not eligible for Sapphirro

I needed another ICICI card, and planned to take Platinum. While filling form, it showed me Sapphiro as LTF.
I applied, but during verification, the guy denied eligibility for Sapphiro and suggested platinum LTF

I told him, I have screen shot of card offered LTF and would take up w/ RBI for mis-guiding and false selling.
Next day got approval message (which I thought to be for Platinum). Luckily, received Saphhiro

Checked w/ CC, it is indeed LTF.
So now have Rubyx & Sapphiro both as LTF. Still wondering, where I'll use them except for Bank Specific offer

Lucky you , man! Doesn’t happen everyday

 

[suhailmz]

Jan 2022:
HDFC Easy EMI
ICICI Apay

Jan 2023:
1) HDFC Regalia (Upgraded from EasyEMI) - First year free
2) ICICI Apay LTF
3) ICICI Coral LTF (Applied for Platinum & got Coral)
4) Axis Flipkart (Achieved the 2 lakh spending goal, hence no annual charges for 2023)
5) Amex MRCC- First year free, would easily achieve 1.5 lakh spending to waive off annual charges

2023 plan:
1) SBI BPCL - For online instant discounts
2) IDFC Wealth ( being offered select, waiting for wealth)

 

[Altamash06]

sbi cb
magnus
diners black

 

[reo_sam]

SBI CB
Diners Club Black (LTF).

 

[anirbanm]

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

I got 9-10 cards last year ... Around 30+ enquiries ... It doesn't matter

 

[suhailmz]

I got 9-10 cards last year ... Around 30+ enquiries ... It doesn't matter

great, which card are you using the most?

 

[BCh]

SBI CB
Diners Club Black (LTF).

How did you get DCB LTF?

 

[reo_sam]

How did you get DCB LTF?

Institution based.

 

[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).

Well, had significant update in the list in just single month, so I had to add to it.
New list

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)

Added in Jan 2023
IndusInd Legend LTF
SBI cashback (Paid)
Tataneu infinite rupay (LTF) Yet to get this in hand but its approved.

Now will let my CIBIL take a breather, for at least few months.


This first quarter is always great time to add new cards though, much more chances of approval.

 

[Pawan_KS]

HDFC Infinia Metal FYF
Axis Magnus Metal (will close at the time of renewal)
Axis Atlas LTF
ICICI Amazon pay LTF
ICICI Coral LTF
ICICI Sapphiro dual card LTF (Master Card + Amex)
Yes First exclusive LTF
Indusind Legend LTF
HDFC neu Rupay LTF

 

[shashankrt]

Axis Vistara Infinite (helped a lot with CV gold status)
Cant count Infinia and Magnus as they were issued prior to 2022

 

[simplegarv]

Axis Vistara Infinite (helped a lot with CV gold status)
Cant count Infinia and Magnus as they were issued prior to 2022

kindly post in 2023 thread if not posted already.