How to optimize my spends across these cards?

[amateur_collector]

Hello all,

I've the following cards in my portfolio:

1. HDFC Diners Club Privilege LTF (Got this recently)
2. SBI Cashback
3. Airtel Axis
4. ICICI Coral LTF

I use Airtel Axis for my postpaid payment as well as Swiggy, Zomato (as it gives 10% cashback upto Rs. 500), rest all my payments were done through either SBI Cashback or Coral.
I felt pretty comfortable with my usage until I got DCP recently. I feel a little confused regarding where does DCP fit into this picture and how to use it to optimize my credit card usage. Any advise or suggestions will be much appreciated.

My Spends:

• Postpaid: Rs. 550/month
• Swiggy/Zomato : Rs. 2k-3k/month (Usually, on some more expensive months it's around 5-6k)
• Entertainment/Eating Out: Rs. 2k-3k/month
• Flights/Travel: Every 2 months I've around 20,000 of travel expense including flights.
• Fuel: Rs. 2000/month

These are the major recurring expenses. Other than these I've a few annual spends of Insurance, subscriptions as well.

 

[tachniki]

You may like to list your spend pattern for folks to answer. 🙂

 

[amateur_collector]

You may like to list your spend pattern for folks to answer. 🙂

Makes sense lol