u/Tempest2001

Hi, I currently own 3 credit cards. I want to know if I'm using them optimally or am I missing out on some of the benefits-

1. HDFC Regalia Gold — travel bookings (hotels/flights/buses), OTT & cloud subscriptions (Netflix, YouTube Premium, Google Cloud Storage), and electricity bill.
2. SBI Card Octane — offline retail & dining. Not using it for fuel anymore since there's no decent BPCL station near me — I fill up at Shell instead, paid via the Shell app.
3. Swiggy HDFC Card — Swiggy app + most other online spends (Amazon, Flipkart, BookMyShow, etc.)

Everything else (rent, society maintenance via ANACITY, water bill via ANACITY, local shops without card machines) goes through UPI.

What are you opinions on this split?

Hi, I want to buy some games this summer sale. I have credit cards: Regalia gold, HDFC Swiggy and SBI Octane. I want to know if using any of them would give me any benefits? Or should I just pay using UPI?