u/HotDog984

Recently, I learned that credit cards can be used to save money and earn cashback. I already have a few lifetime-free (LTF) cards that I got through tie-ups between banks and my company.

My current credit cards are:
ICICI Coral
IndusInd Tiger (opened last week)
AU Altura Plus

I have closed the following cards because they didn’t offer good benefits:
HSBC Visa
Kotak Zen
Standard Chartered

My monthly salary is ₹94,000.
My expenses are:
₹25,000 on rent and utilities
₹10,000 on shopping
₹20,000 paid to merchants

My goal is to maximize cashback and reward points. I am considering getting a Kiwi card for UPI payments.
Which credit card should I use for:

Rent payments
Online purchases
Shopping in malls?