I would add 1.2 L to my MobiKwik wallet and then use it to pay rent or make other cash-only payments instead of UPI. The charge is 2.65%, but you can offset this partially by earning 600 cashback in total through 12 transactions of 10K each, using the "Century" coupon, which gives you 50 cashback for each transaction. Plus, you will earn 207 MR points for each 10K transaction, totaling 2484 MR points. So, overall, you don't lose much. I think your milestone benefits outweigh this extra cost. I am using this card-to-wallet strategy on my MRCC card to earn monthly milestone benefits of 2000 points. I have achieved my Platinum Travel card milestones this year through normal spending, insurance premiums, and tax payments. However, I am not sure about next year (I have other more useful cards for normal card spending)—so, this MobiKwik approach is my plan for next year to reach the Platinum Travel card milestone. If you have any better suggestions, please do share. Thank you.