Newbie seeking general advice

Hey everyone,

I’m completely new to the credit card game and honestly feel a bit overwhelmed with all the reward points, MCC codes, and redemption strategies. I’m looking to start optimizing my spends to get maximum cashback, discounts, and solid travel/lifestyle offers.

My Profile & Current Setup

Monthly Take-Home: \~₹1.6 Lakhs

Age: 31

Monthly expenditures include the usual groceries, Uber (occasionally), flights for my travel / parents' travel, hotels, shopping (occasionally)

Current Cards:

HDFC Diners Club (Privilege) and Axis Neo Credit Card

Right now, I’m just using them randomly without any real strategy. I know I’m leaving a lot of money/rewards on the table.

Questions for the Experts

How do I best use my current cards?

What categories should I strictly assign to the HDFC Diners vs. Axis Neo?

Are there specific portals (like HDFC SmartBuy) or hacks I should be using for everyday spends, utility bills, or food delivery?

What new cards should I apply for next?Th

Thank you so much in advance.