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List of must have CC irrespective of spends.
1. Amazon Pay ICICI (5% on Amazon spends, 1% on other spends, returns are Amazon pay balance)
2. SBI Cashback (5% on most of spends with some exceptions such as utilities etc.,)
3. HDFC Tata Neu Infinity (1.5% on UPI spends, 5-10% on Tata spends, returns are as Tata neu coins, 11.5% on Zomato)
4. HDFC Swiggy (10% cashback on Swiggy spends)
5. HDFC Millennia (for payzapp vouchers, and voucher spends)
For high spends
1. Axis Atlas
2. DCB or Infinia if you can get