Thank you for your help.
Actually my spends are basically more on utility and moderate spends on grocery (that too might change as online platforms come up with DC instant discount offers).
I currently have Apay Icici CC any better alternative to it which gives more than 2% Cashback?
I know other ltf credit card and some paid cards according to my spends but those CC are either invite only(ace card) or discontinued.
Sbi Cashback CC can give 5% on utility but using trick which can be again discontinued in longer time..
Any else way of getting cashbacks majorly on utility and online spends? (Not interested in lounges, joining offers etc)
A help in choosing the best would be greatly appreciable.