Spend Strategy

Amazon.in

All spends on Amazon via ICICI Amazon Card with 5% cashback.

Amazon Gift Card via HDFC Infinia gives 12.5% reward points.

Amazon Fresh has instant 10% discount every month (first five days) on ICICI credit card. 

Jio Fiber Postpaid Bill of Rs1060/month

Allows to pay using Amazon Pay Balance via jio.com (balance got at 12.5% rewards) 

Zomato

Zomato Gift Card via HDFC Infinia gives 15% reward points.

 

Foreign Spend Markup

1.5% on AU Debit Card 

 

UPI Spend

HSBC Bank UPI @ 5% Cashback 

 

FG Premium of Rs20750/month

• HDFC Infinia giving 690 points
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HDFC Infinia (no reward points txns)

SmartyBuy Multiplier in same month

Insurance in next month

Grocery in next month