Need help in dividing payment among credit cards

[CR7rules]

Hi credit card experts.

I have the following cc

1. Amazon ICICI (prime account and 1lac limit)

2. HDFC regalia (ltf and 3lac limit)

3. Axis atlas (just got this week 6lac limit)

4. Sbi BPCL octane (3lac limit)

5. Niyo global credit (25k limit)

6. Thinking of getting another card if needed. (Sbi cashback maybe)

My wife has

1. Amex MRCC (70k limit)

2. AMEX platinum travel (4lac limit)

3. Scapia card (90k limit)

Expenses

1. 2 ulips pnbmetlife insurance of 66k each Per month. (Sad story of bad investment and can’t cancel now.. ) till now I used to do auto debit from bank. But now came to know can use credit cards to get cashback or atleast can use them to get nearer to milestone sepnds. It will continue till aug 2025.

2. Life insurance 18k per yr for me and 70k per year for wife(10 yr premium paying for wife)

3. Zomato/swiggy or eating out 10k per month

4. Travel around 7lac per year.

5. Fuel 4k per month

6. Electronics new buy 1lac/year (ac phone aquaguard laptop fridge etc etc)

7. 2k per month for all subscriptions/recharges

8. Amazon spends 2k per month

We want to meet the 4lac milestone in amex plat travel and atleast 7.5lac gold milestone of axis atlas.

As well as get some rewards/edge mile /cash backs for the spends.
I got to know there is some limitations of buying more Amazon vouchers from a single account.
We have 2 extra non prime Amazon accounts also. If they can be used to buy more vouchers and then redeem in the main prime account.

Any help/hack/tricks on the above is appreciated..thanks

 

[Mr. BeanMr. Bean is verified member.]

I suggest the TechnoFino community to start paid financial recommendations and advices. There are so many opportunities for people who know the cards inside out.