I am considering using either Standard Chartered Ultimate for 2% at the moment.
HDFC regalia wont get more than 1.3% reward points before convenience fees making it redundant except for milestone. (Again, I am not using this card).
currently charging 1%+18% gst on school fees via credit card. No upi option.
Standard chartered Ultimate gives 2% return but redemption is an issue at the moment.
Tata neu infinity gives 1.5% return but has good redemption options. (considiering it will give points as Qfix is powered by HDFC bank).