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

[TechnoFinoTechnoFino is verified member.]

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

 

[cardcollector]

how LTF?

Don't know exactly, when i received my welcome kit it was mentioned that joining and annual fee '0', so i contacted customer care and they told me that it is a LTF CARD.

 

[Momo_Scooby]

Don't know exactly, when i received my welcome kit it was mentioned that joining and annual fee '0', so i contacted customer care and they told me that it is a LTF CARD.

Lucky you 😎.
Are you having a large NRV with Axis Bank or Burgandy customer or something?

 

[cardcollector]

Lucky you 😎.
Are you having a large NRV with Axis Bank or Burgandy customer or something?

No, a basic savings account which i don't use

 

[cardcollector]

Jan 2022:

HDFC Regalia - LTF (credit limit 6.95 lakhs)
Axis Neo - LTF (credit limit 7 lakhs)
IDFC First Select - LTF. (credit limit 5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 5 lakhs)
ICICI Amazon Pay - LTF (credit limit 8 lakhs)
ICICI Platinum - LTF (credit limit 8.3 lakhs)
Kotak League Platinum - Paid (499) (credit limit 9.5 lakhs)

Dec 2022:
newly added
Axis Magnus - Paid(10000) (credit limit 7 lakhs)
HDFC Diners Black - LTF (credit limit 6.95 lakhs)
SC Ultimate - Paid(5000) (credit limit 5.5 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 5 lakhs)
One Card Metal - LTF (credit limit 5 lakhs)

Axis Neo - LTF (credit limit 7 lakhs)
IDFC First Select - LTF. (credit limit 5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 5 lakhs)
ICICI Amazon Pay - LTF (credit limit 8 lakhs)
ICICI Platinum - LTF (credit limit 8.3 lakhs)
Kotak League Platinum - Paid (499) (credit limit 9.5 lakhs)

Happy New Year to all.
Everyone Please suggest which cards I should add or remove from my portfolio.
I want HDFC Infinia for its priority pass.
I want to explore the Airmiles game (hence good cards with access to world-class lounges 😛 )
@TechnoFino @Subhankar @ashwink @StanRoute66 @vaibhav111

Did you get preapproved offer for kotak league platinum? It is better to change idfc select to wealth

 

[CMGCMG is verified member.]

Don't know exactly, when i received my welcome kit it was mentioned that joining and annual fee '0', so i contacted customer care and they told me that it is a LTF CARD.

Did you receive Gold and Tickets?

 

[cardcollector]

Did you receive Gold and Tickets?

Not yet and they told me that i will receive it after first statement is generated

 

[suhailmz]

Jan 2022:
Diners Clubmiles
ICICI Coral Amex (LTF)
OneCard (LTF)

Dec 2022:
Diners Black (LTF)-Upgraded from Diners Clubmiles
ICICI Sapphiro (LTF)-Upgraded from Coral
OneCard (LTF)
Axis Vistara Signature
Axis MyZone (LTF)
Amex Platinum Travel (FYF)

How did you get LTF upgrade from coral to sapphiro. How old was your coral? I want to upgrade & can see offer in the app but not LTF.

 

[Momo_Scooby]

Did you get preapproved offer for kotak league platinum? It is better to change idfc select to wealth

I don't recall how I got this Kotak card, I was looking for some basic Kotak card and might have applied for that.
How to upgrade to idfc wealth?

 

[pulkitpopli2004]

I added
Dec 2022 - Axis Magnus (Fees - 10000+GST)

Total -
1. Axis FK
2. Axis Magnus
3. Amex MRCC
4. HSBC Platinum
5. HDFC Signature Intermiles

 

[Digvijay]

Finally, was able to catch up on last year's credit card portfolio! Frankly, the first half of 2022 I did not even care about keeping track of my credit cards until one fine day I was introduced to the Technofino community. Since then it has been a roller coaster ride with overall financial products, especially credit cards. I got to know about so many things on this platform which definitely helped me to grow as an individual. I had many cards which were there just for sake of it without much utilization, forget the rewards. After going through different threads here, I managed to get hold of cards that actually transformed my second half of 2022. When I look back at 2022, on first day of 2023 I definitely get the sense of at least having basic financial knowledge in today's digital economy. Although I have not planned for any of the cards, I feel satisfied at the moment with the current credit card portfolio I have and certainly I look forward to add few of the cards in 2023.

Closed following cards in 2022:

ICICI Coral
ICICI MMT
ICICI HPCL
ICICI Platinum
SBI Ola money
HDFC Titanium Times Card
Kotak League

Added following cards in 2022:

HDFC Diners Club Privilege
ICICI Rubyx
Axis Atlas
American Express Platinum Travel
American Express Gold Charge
American Express MRCC
SBI Cashback
IndusInd Pinnacle
Standard Chartered Supervalue Titanium
PNB Platinum RuPay
Bank of Baroda Easy JCB/RuPay
Union Bank of India Uni Carbon RuPay

Once again thank you everyone here for sharing so much knowledge and content. Wish you all a happy and rewarding new year! 🤘

 

[Patil007]

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

 

[Abhishek012]

@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.

 

[voygers]

january 22
had hdfc regalia
icici coral
icici amazon pay
kotak privy league signature

upgraded to kotak wealth infinite.

looking for hdfc upgrade soon.

i want to know is icici issuing mastercard world variant for rubyx or saphiro
and which ltf cards are master world variant which are currently issued by banks.
thanks.

 

[aryanraj]

@TechnoFino that's really great long list of CCs. How many saving accounts you have in different banks? Should be a new thread for Bank Account you have in your Portfolio.

 

[Sudheep]

Added magnus ,Indusind Legend& Axis Vistara Infinite this year.

 

[Pramtesh]

MRCC was added few days ago

 

[gabu]

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

 

[desaik231]

This was one hell of a year in terms of card collection. During the Diwali season, I collected most of the cards and went through from one to the card in less than 2 months.

Jan 2022

HDFC Moneyback (LTF)
Citi Rewards (LTF)
Amex Gold Charge Card (Fee)
Amex MRCC (LTF)

Dec 2022

Citi Rewards (LTF)
Amex Gold Charge Card (Fee)
Amex MRCC (LTF)
Axis Flipkart (LTF)
IDFC Select (LTF)
HSBC Platinum (LTF)
Axis Vistara Signature (Fee)
SBI Cashback (Fee)
Yes Premia (Fee)
Axis Magnus (Fee)
Au Vetta (LTF)
Citi Premier Miles (Fee)
BoB Eterna (LTF)
PNB RuPay Select (Fee)
HDFC Diners Black (LTF)

Waiting for a couple of months for Cibil to recover from this massive damage of 10+ enquires and will add ICICI and Stan C cards. do share any recommendations if you have any on any cards.

 

[Sandy Singh]

This was one hell of a year in terms of card collection. During the Diwali season, I collected most of the cards and went through from one to the card in less than 2 months.

Jan 2022

HDFC Moneyback (LTF)
Citi Rewards (LTF)
Amex Gold Charge Card (Fee)
Amex MRCC (LTF)

Dec 2022

Citi Rewards (LTF)
Amex Gold Charge Card (Fee)
Amex MRCC (LTF)
Axis Flipkart (LTF)
IDFC Select (LTF)
HSBC Platinum (LTF)
Axis Vistara Signature (Fee)
SBI Cashback (Fee)
Yes Premia (Fee)
Axis Magnus (Fee)
Au Vetta (LTF)
Citi Premier Miles (Fee)
BoB Eterna (LTF)
PNB RuPay Select (Fee)
HDFC Diners Black (LTF)

Waiting for a couple of months for Cibil to recover from this massive damage of 10+ enquires and will add ICICI and Stan C cards. do share any recommendations if you have any on any cards.

How to get Bob Eterna and Amex MRCC LTF?

 

[sv004]

Added
Icici rubyx
Hdfc dcp( upgrade from moneyback)
Axis airtel
Yes finbooster