Help with structuring major spends!
Hi Folks!
I have 22L worth of POS spends coming up within this month - non travel, non voucher.
What is the BEST way to structure my spends considering both reward rate, milestones and fee waivers??
Need some seriously expert advice here!
The key cards I have are:
1.M4B - Literally hustled for this card just for these spends - mostly a no brainer for high spends, but my limit is 12L and I can't do accelerated points above that (limit 1+ 1.5L I believe)
T1 - Not sure if it makes sense for these spends, at the most I'll get 2% rate.
HDFC Diners Black (8L spend done, so free for next year, only using it for vouchers, another 2L left to hit Qtr milestone of 10k points)
Axis Atlas (Really the GOAT of travel card IMHO - 7.5L left to hit Plat status - which would give me 5k renewal points and another 5k milestone - basically 20k worth at 1:2 ratio)
IndusInd Avios - To be closed - Just got it for the 20k Avios, doesn't make much sense unless I travel the Aviod eco system, which I dont.