
Credit coin use suggestions
I have cred coins 431000, can anyone suggest how can I use it for more benefits?

I have cred coins 431000, can anyone suggest how can I use it for more benefits?
ICICI Bank giving me these 4 options to upgrade credit card. Theses all options are pre approved card.
My monthly spend is around 20k.
If someone already uses one of them , Can you share your thoughts, which one is more rewarding?
I am trying to find the best health insurance in india.but don't know how can I find bcz of hidden clauses and something that we don't know to ask and clarify with the insurer.
I have questions from you guys that.
Do You have also this kind of questions, that which one is best health insurance.
I need your thoughts because I want to create one analysis system so that everyone can find hidden clauses or something that missing in insurance.
If I will get more support then, I will happy to build this kind of analysis system.