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

 

[Digvijay]

Having ICICI Rubyx (paid) over MMT Signature worth it?

No, I got it LTF that's why I closed other ICICI cards.

 

[Digvijay]

Why you have closed SBI ola Money card? Do you have other Sbi card than cashback card?

I have BPCL Octane, Ola money wasn't that much useful.

 

[Digvijay]

@Digvijay i have 2 questions -

1) Your Union Bank of India (HPCL) Uni Carbon RuPay credit card auto credit fuel rewards ? without any problem or complaint ? fuel surcharge also auto refunded ?

2) Union Bank of India (HPCL) Uni Carbon RuPay credit card is successfully linked with BHIM UPI/Payzapp UPI ?

Offcially Union bank is added but currently all Union bank RuPay credit card users facing UPI linking problem.

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.

 

[desaik231]

How to get Bob Eterna and Amex MRCC LTF?

Eterna on Salaey basisi MRCC was quite old so earlier they were running offer where person holding Gold Charge Card gets MRCC for free

 

[anirban.choudhury]

Eterna on Salaey basisi MRCC was quite old so earlier they were running offer where person holding Gold Charge Card gets MRCC for free

Did you get Eterna LTF recently ?
When I enquired BOB said it’s only given LTF to Bob radiance customers

 

[cc_optimizer]

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

Axis Magnus. Finally jumped onto the miles game in December 2022.

What are the main differences between your January 2022 card portfolio and your December 31st, 2022 card portfolio?

Jan 2022 -

1. Amazon Pay ICICI
2. HDFC Millennia
3. Citibank Indian Oil

Dec 2022 (In addition to the above 3) -

1. Axis Magnus
2. SC Ultimate
3. SBI Cashback
4. BOB Eterna
5. RBL Edition Classic
6. OneCard (Unsecured)
7. Amex MRCC
8. Axis MyZone
9. PNB RuPay Select
10. IDFC First Select

Added 10 credit cards this year and I'm really happy with the reward points/miles earned. Looking forward to an even more fruitful 2023. Thanks to the Technofino and the entire CC community out there.

 

[cc_optimizer]

Did you get Eterna LTF recently ?
When I enquired BOB said it’s only given LTF to Bob radiance customers

I got my Eterna in August and it was LTF. Had no other credit cards and had a normal savings account with BOB. Although I don't think savings account part even matters since the credit card and normal bank division is different.

 

[anirban.choudhury]

I got my Eterna in August and it was LTF. Had no other credit cards and had a normal savings account with BOB. Although I don't think savings account part even matters since the credit card and normal bank division is different.

Ok
Because post October I think they are not offering LTF Eterna based on ITR

 

[NewUser]

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

HDFC Infinia Metal

What are the main differences between your January 2022 card portfolio and your December 31st, 2022 card portfolio?

January 2022
1. ICICI Coral

December 31st 2022
1. ICICI Coral
2. ICICI Rubyx
3. ICICI Amazon Pay
4. RBL Zomato
5. HDFC Infinia Metal
6. Axis Indian Oil

 

[TheTrickySid]

December 31st 2022
1. ICICI Coral
2. ICICI Rubyx

Both LTF??

 

[NewUser]

Both LTF??

Yes. All cards in my portfolio are LTF save Infinia

 

[TheTrickySid]

Yes. All cards in my portfolio are LTF save Infinia

How did you got that LTF

 

[NewUser]

How did you got that LTF

ICICI cards are LTF if you have the required salary/ITR. For Coral, you need ₹50k per month take home. For Rubyx and Sapphiro ₹1L and ₹2L monthly take home respectively. Emerald LTF is debatable.

 

[Patil007]

I have added total 8 credit card in my portfolio in just 6 months of 2022. Before May I had only ICICI Coral and APay LTF that too 6 and 3 years old respectively. Then I come to know @TechnoFino YouTube channel and other 2-3 channels, I started following and then,

I applied total 9 cards from June 2022 to Dec 2022, 8 got approved, 1 rejected (BOB).

Best card I can say HDFC Millenia.

Cards added in 2022
1. InsudInd Legend LTF
2. Axis MyZone LTF
3. IDFC Millenia LTF
4. HSBC Platinum LTF
5. HDFC Millenia LTF
6. RBL Zomato classic LTF
7. Citi Reward Paid
8. SBI SimplyClick paid

 

[unmeeshsankpal]

Hi,
Added in 2022
AXIS Magnus
IDFC Wealth
Amex Platinum Travel
Axis Reserve

Closed -
Axis Flipkart
Kotak Royale Signature

 

[metal_heart]

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)

 

[rayhan12]

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

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

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

 

[vm999]

RBL Bookmyshow Play
IDFC Millenia LTF
Indusind Legend-- Closed in Dec
SBI Prime

 

[metal_heart]

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

No, not worth it. If you are not getting it LTF; then don't get it

 

[rayhan12]

No, not worth it. If you are not getting it LTF; then don't get it

Okay, thanks.