Your aim should not be to “utilize” the quota. That means your goal is to do expenditure, which is a wrong mindset. If your expenses are low, that is good.
I utilize it based on priority.
Hotels > brand vouchers like swiggy > Amazon pay. Even my society’s maintenance can be paid through mygate on apay. Check the same for school fees.
Flights I tend to redeem points. Or you can redeem for tanishq as well which helps invest rather than viewed as an expense.
Many put company expenses on card and redeem tanishq vouchers. I tried that but difficult to get gst voucher for hotels.
Hit a goal to save. Not to do expenditure.