Which of my cards do I use for this purchase?

1 EDGE Mile/₹100 under the "all transactions" clause; no fuel carve-out anywhere in the T&C, and the surcharge waiver band is ₹400–₹10,000 per statement cycle

No rent exclusion in the T&C, and the Key Fact Sheet makes the 1% rent transaction fee Nil for Primus — rent is designed in, not fenced off

Tax and government spends earn under the "all transactions" clause; no government carve-out in the T&C

No utilities carve-out in the T&C

No education carve-out in the T&C

No wallet-load carve-out in the T&C

Flat 10 RP/₹150 (~6.67% at the ₹1 app-travel value) — groceries are on neither the 1X list nor the no-earn list, so the full domestic rate applies with no monthly threshold since 17 Jul 2026

Earns the full 2%. Airlines, hotels and the whole transport block earn like anything else — this card's travel value is the lounge quota (2 domestic visits a calendar quarter plus 2 outside India a year, KFS §E), not a travel accelerator

No telecom carve-out in the T&C

No gold/jewellery carve-out in the T&C

15 RP/₹200 on all transactions with a Nil forex markup (CardExpert) — rent, wallet, education, groceries and UPI treatment not published, omitted

Earns the full 2%, and on this card that is the ONLY way most spend earns at all — the MITC converts every billing period's unpaid spends above ₹1,000 into an instalment plan automatically, and "Zillion Coins (4 Zillion Coins = ₹1) are earned as a percentage of BPUS proportionately upon repayment of the corresponding EMIs". The inverse of the board, where an EMI conversion forfeits the points. Two edges cut the other way, though — foreclose a plan and "the Rewards (Zillion Coins) corresponding to the foreclosed amount will be forfeited", and pre-pay the unbilled amount to dodge the 24% APR and that spend leaves BPUS, so it earns nothing either