How can I optimise ₹60k/month of UPI spends with my current cards?

Hi everyone,

Looking for some genuine advice from the credit card/points folks here. I have around ₹60k/month of UPI spends that I'd like to optimise better:

• ₹30k rent - Unfortunately, my landlord is not willing to provide PAN
• ₹30k other P2P transfer - this is money I genuinely need to transfer elsewhere every month, but it's not a merchant payment.

I'm trying to figure out whether there's any legitimate way to get some cashback/reward value from these spends, rather than just getting 0 rewards on ₹60k every month.

Cards I currently have:

•⁠ ⁠HSBC Premier Credit Card

•⁠ ⁠HSBC Premier Debit Card (5% cashback offer linked to salary)

•⁠ ⁠HSBC TravelOne

•⁠ ⁠HDFC Swiggy Black

•⁠ ⁠Amazon Pay ICICI

•⁠ ⁠Scapia

•⁠ ⁠RBL IndianOil XTRA

My current thinking was:

₹60k → CRED wallet (3% fee) → HSBC Premier CC → transfer points to Accor

Since Premier earns 3 points/₹100 and the points can be transferred to Accor, the math seems potentially worthwhile even after the CRED fee, if the transaction earns the points.

What would you guys do in my situation? I'm open to getting another card if there's a genuinely better strategy.

Any better combination of cards/routes that I'm overlooking.

Would really appreciate advice from people who have actually tried these strategies recently. Thanks in advance.