💁‍♂️Help Me Balance My Credit Card Deck!

I’ve got a decent mix of cards—each serving a purpose. But am I missing out on better optimization? The Spends are as follows,

Utility Bills🔌 (Electricity + LPG): 2500 -2800 per month (Using Airtel Axis) - 250 CB 💰

Internet/DTH🛜 (Airtel Black): 1100 Approx (Using Airtel Axis) - 250 CB 💰

E-comm🛒: SBI Cashback - Guess I spend 1L+ /year 🤑🫣

Fuel ⛽: Axis IOC (Fd Backed)

Food/Grocery orders🍱: Swiggy HDFC - Food + Instamart 🤑

Offline shopping🏬🛍️: Using above SBI CB or Swiggy HDFC 💳

UPI: SuperMoney 💵 (Fd Backed)

The above seems good to me for spends I do, Let me know in any ways if I can maximize!!!

♦️I have couple of spends below which I am trying to figure out,

👉Airtel Yearly plan prepaid recharges: 3 recharges (Incl Family) + 1 Postpaid with Basic Plan

👉Jio prepaid recharges: 1 (once in 3 month)

👉Insurance payment for 25K * 2 premiums

❌Applied SBI PhonePe Select Black - Rejected (Planned for Insurance/Utility/Recharges)

🤔I think I should apply one more Airtel Axis (not in my name) for Recharges (or) I should buy AmazonPay Vouchers using SBI CB card. But, SBI CB earns 5% with no additional card charges to pay for. And Airtel I do have to pay 590/year, but i get 25% CB on Airtel Recharges.

Any suggestions are welcome!!!

Card charges I now pay for , SBI CB - 1180/year Swiggy - 590/year Airtel Axis - 590/year (All of them has waiver of charges, if 2L/year spend per card)