Request: Credit card spends optimisation 2-3L pm

[ZX44]

Dear TF members,

I have spends of around 2-3L per month and I'm looking for your valuable suggestions/advice to get maximum returns using credit cards.
Below are my monthly spends (approx.), would the experts please shed some light on how to get the most from it please?

Monthly spends:
Airtel (mobile+landline): 1,200
Fuel: 3,000
Swiggy/Zomato: 5,000
Insurance: 5,000
Amazon (Groceries): 10,000
Ultilities (Electricity x3 bills + Gas): 22,000
Offline (Shopping/Dining/Misc.): 30,000
Online (Shopping/OTT/Misc.): 60,000
Online (International spends): ~60,000 - 90,000

I have the following cards with me:
Amex Gold
Amex Plat. Travel
Amex MRCC
SBI Cashback
Airtel Axis
HDFC Regalia First
ICICI Amazon Pay


My flight costs are covered by my family member, so I'm not looking for rewards w.r.t air miles etc....

I would like to maximize rewards in the following order: Cashback>Shopping Vouchers>Hotel stays.
Currently I'm using MRCC and Gold for getting Amazon Pay Vouchers to pay utilty bills.
Please suggest cards other than Axis Reserve/Magnus/Infinia/DCB which aren't super premium.

Thank you!

 

[NAB]

I would suggest-

Airtel (mobile+landline): 1,200
- Use Airtel Axis Card
OR
Rupay Platinum DC 20% upto 100 per month per card.

Fuel: 3,000
- Use Amex Gold

Swiggy/Zomato: 5,000
Insurance: 5,000
Utilities (Electricity x3 bills + Gas): 22,000
- Purchase Apay Vouchers as below,
5K x 4 transactions using Amex MRCC
1K x 6 transactions using Amex Gold
6K x 1 using SBI CB CC
(You can purchase Zomato/Swiggy vouchers from Amazon using that balance and some extra CB.)

Amazon (Groceries): 10,000
- Use Amazon Pay CC/Offer specific CC

Offline (Shopping/Dining/Misc.): 30,000
- Use Amex Plat Travel and ICICI Amazon Pay.
( For Amex Plat Travel, Reach the spending of Rs. 4 Lac per year to get the max benefits)

Online (Shopping/OTT/Misc.): 60,000
Online (International spends): ~60,000 - 90,000
- Use SBI CB CC for 94K, they have many exclusions, so use it accordingly.
(SBI CB CC cashback limit is Rs. 5000 per month)
- Around 6K on Amex Plat Travel to reach annual 4 Lac goal.
- Rest on Regalia First.

Try to do more international transactions on the SBI CB CC (You will get around 0.8% return after the forex markup and taxes).

Enroll in to the HDFC Global Value Program. Regalia First has 2%+Tax as forex markup, with GVP you will get 1% upto Rs. 1000 back on each statement for all the international transactions. 199+tax annual fees to enroll.
Overall, it will near to 0 forex with points and
CB when used for the International transactions.

 

[ZX44]

Thanks a tonne for the detailed information.

I was not aware of the Global Value thing, that would help lower the forex charges overall!