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Which is better

Most banks have restricted/devalued rewards on rent transactions.
If feasible get a good lifestyle card like Axis Magnus or the SC Ultimate instead.
 
same card for all expenses. Mostly I use for paying rent
all SBI cards are paid. if you want for all spend take other banks LTF cards.

Check and analyze your spends like: Offline, online, utility bill payments. then inside that, grocery shopping, fuel, movies, food like this,

Then check that particular credit card features which suits your above spend and then take credit cards. also prefer to take lifetime free credit cards instead of paid ones.
 
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