u/Crazy-Lychee771

Can i get an idea on 3BHK gated society flats available at a reasonable rate of area 1400 - 1800sqft in the range of 1-1.5Cr?

Current Cibil:795

Age: 31

Monthly Income and Employment status: ~2.5L pm

Monthly Expenses & Spending Patterns: Around 70K including Rent

Preferences for Credit Card Features:

Reward Preference (Cashback or Reward Points): Rewards and if not then cashback

Lounge Access Required: No

Trying to optimise my credit card strategy for tax payments.

For a salaried employee paying around ₹4–5L in income tax annually. Looking to understand:

• Which credit cards give actual rewards/miles on tax payments (not excluded categories)?
• Are business cards like HDFC BizBlack worth it for salaried folks?

From what I’ve read, many cards exclude government spends, but some still give decent value back or milestone benefits.

Would love to hear:

• What cards you’re using and what is the charges during tax payments while filing ITR
• Effective reward % after fees
• Any hacks / things to avoid

Thanks! 🙌

Any suggestion for best Cashback cards that can also be used for UPI payments as of April 2026?