Help needed: Best way to pay ₹99K in insurance premiums with my credit cards?

I have 3 insurance premiums coming up between August and September:

• ₹22,000
• ₹22,000
• ₹55,000
• Total: ₹99,000

My current cards are:

• SBI PhonePe SELECT BLACK × 2
• HDFC Swiggy × 2
• Amazon Pay ICICI × 2

The cards marked ×2 are two separate primary cards, not add-on cards.

Could someone suggest the best and cheapest way to pay these premiums while maximizing cashback/rewards?

A few things I'm specifically trying to figure out:

1. How should I split the ₹99K across these cards?
2. Is it better to pay the insurance directly or use PhonePe/Amazon Pay/gift cards?
3. What is currently the cheapest way to buy Amazon Pay gift cards while maximizing credit card rewards?
4. Since the payments are spread across August and September, how can I optimize the timing?

I'm particularly interested in recently tested methods, especially with the July 2026 changes to SBI PhonePe Black.

Would really appreciate suggestions from people who have actually tried these methods recently.