u/Financiallywiseindia

I’m looking for advice on how to use the right credit cards for different types of expenses.
My fixed monthly salary is AED 21,000, plus an additional AED 2,000 allowance for fuel and other car-related expenses. I also earn approximately AED 4,000 per month in passive income.
My total monthly spending is around AED 12,000–15,000, roughly divided as follows:
AED 3,000 on dining and food delivery
AED 1,000 on fuel
AED 4,500 on rent
AED 1,000–2,000 on leisure and other activities
AED 2,000 on groceries
AED 1,800 on car EMI
The remaining amount is mostly spent on online purchases
I also enjoy travelling and usually take one or two international trips each year.
I currently have the Mashreq Noon Card, Emirates Islamic Cashback Card, and FAB Cashback Card.
Please suggest which card I should use for each spending category, how I can maximize the cashback, travel benefits, and other rewards, and whether there is another credit card that would better suit my spending pattern and travel habits.