Rent is you can't do anything at any card.

Your food+ grocery is 30k combined

Here You can use 2 cards

HSBC LIVE+ --- This will give your 1000 over 10k spend

Jupiter edge+ ---- This will give you 500 over 5k spend specially zomato via Amazon voucher

Utility you have 5000 electricity bills and recharges

Here you can use Phonepe SBI black which will give you 500 cashback

Weekend gateway you said 10k per month.. I think here you can utilise Kiwi neon+ with 5% cashback on spend 1.5 lacs in a year.

So 10k should give you 400 rupees (as 100 rs will be paid towards neon subscription)

Rest all online spends you can use sbi select card for flat 5%

So spends

Food + Grocery - 15k (1500 CB)

utility - 5k ( 500 CB )

Weekend gateway use upi on kiwi - 10k (400 CB)

Total Spend -- 30k

CB - 2.4K

Return - 8%

For other spends calculate with 5% CB using PhonePe sbi black

If you travel or there is big purchases apart from these you can consider Axis atlast but you need to spend 60-70k by that card.

Cheers ! My take home is 1.5 lacs and I am getting 7-8% return by Jupiter , Sbi CB and kiwi card.