Need help completing spend based milestones

[nirjharr]

• Context
  • I hold multiple credit cards: ICICI Sapphiro and Amazon Pay (7.5L), HDFC Regalia Gold (4.1L), Axis MyZone and Horizon (4L), and IDFC First Select (3.78L).
  • I have upcoming expenses exceeding ₹10 lakhs and want to route as much spend as possible through my credit cards to maximize reward points and milestone benefits.
  • My HDFC Regalia Gold card is nearing the ₹7.5 lakh spend milestone, with a current spend of ₹5.2 lakh. The milestone offers a ₹5,000 voucher plus extra reward points, making it worthwhile to approach this target. The milestones reset on mid January.

• Problem Statement
  • Most of my upcoming spends will be with merchants who do not accept credit cards directly, limiting me to UPI or NEFT payments.
  • I am exploring ways to route these payments through my credit cards using wallet transfers or other low-fee mechanisms. Paying 1-3% fees on wallet loads or bank transfers may be acceptable if the milestone rewards compensate for the cost.

• Question
  • What are the best strategies or platforms to efficiently route large spends that are primarily UPI/NEFT-based through credit cards, minimizing fees while maximizing rewards and milestone progress?

Any help would be appreciated. Thanks

 

[hellowo₹ld]

wallet charges currently 3% and none of ur cards compensate that. TBH these are not card based spends for you, I believe u dont have any option.

 

[sunit123]

2 options:
1. Take apay ICICI CC....Load full kyc amazon pay wallet....They give cashback = wallet charges and u have to only bear GST charges on wallet load which is nominal

2. Take uni gold rupay CC and pay via UPI and get 1% cashback (Check merchant MCC)...uni gold rupay has very less exclusions.