Can you pls suggest whether Tata Neu plus or SBI Cashback be better for me?(Also if you have any referral, pls do share )

I currently have Amazon ICICI card (50k), OneCard (50k , FD backed) and Flipkart Axis Bank card ( 35k, my main card as of now).

My spend includes, 1) 14k / month Rent using UPI 2) 5-7.5k / month on Zomato , Blinkit , Zepto. 3) Occasional spends on Amazon / Flipkart during sales. 4) Bus/Train Travel (Redbus , irctc) atleast twice a month 5) Mutual Fund -20 -25k / month (I currently use UPI, can I use Tata Neu for it😂?)

So, as of now, I use my credit card as just another debit card. I use it to purchase, pay it back the next instant using Cred (if it's atleast 1k). Is it fine or is there any other recommended method that I can use?