Which of my credit cards should I use for a ₹9,616 annual Airtel AirFiber bill to get at least 10% cashback? (Axis Airtel devalued!)

Hi everyone,

I need some advice on optimizing my Airtel AirFiber bill payment.

Until recently, I was on the monthly plan (₹799 + 18% GST = ₹942.82) and paying via the Airtel app using my Axis Bank Airtel RuPay Select Credit Card. This was giving me a flat 25% cashback (₹235.70), bringing my effective monthly cost down to ₹707.11.

However, since the Axis Airtel credit card has been devalued, it no longer offers the same benefits. To bypass this, I'm planning to switch to an annual payment, which comes out to ₹9,616.76 (including 18% GST).

I am looking for a payment strategy (direct or via apps like PhonePe/Amazon Pay/Tata Neu/Paytm) that can fetch me at least a 10% discount or cashback on this annual amount.

Here is the list of credit cards I currently hold:

Airtel RuPay Select Credit Card

NEO RuPay Credit Card

Privilege Amex Credit Card

Swiggy World Mastercard

Millennia Mastercard

Tata Neu Plus RuPay Platinum Credit Card

UPI RuPay Credit Card (Digital)

Amazon Pay Visa Credit Card

Coral Visa Credit Card

Coral RuPay Credit Card

Legend Visa Signature Card (Physical & Digital)

PhonePe SBI Card SELECT BLACK

Kotak 811 Dream Different RuPay Platinum Credit Card

PNB Select RuPay Credit Card

SSFB (Suryoday Small Finance Bank) RuPay Select

Which card or platform combination from my portfolio would give me the best return for this ₹9,600+ transaction? Any workarounds or suggestions are highly appreciated!

Thanks in advance!