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NO need.
Yes.
Wherever you give pan card aunty starts watching you.

If you are hidden from taxes, be hidden

The cc usage is also not that much so enjoy

I'm in a similar situation as well but my CC spends are around 32L+ but cumulatively on all banks never crossed 10L/bank limit... What should I do?

I hope you have new tax and old tax regime so google it and then see how you can paid cc bill of everyone through your bank for rp.

I advice you to either stops using your accounts for high payments or if you have source with you, it wont be a problem. I have seen many people not filing ITR because they think filing it will lead the system to track them easily. System already tracks you.

If IT department has to send you notice, they can send by post also on your registered PAN address as happened in case of my aunt who was a teacher and after retirement she got notice for last 10 years and she never filed ITR or even correct taxes except TDS from salary. She faced heavy fines.

IT department will heavily deploy AI systems in future and system after analyzing data based on Algos will identify each and every person and alert the department. It is happening even now but on small scale. Currently work of centralizing everything from every banks account to every financial App a person use and PAN connected with it. People aren't belieiving me currently but my known working in INFY on ITax portal project tipped me that not even a single person will be spared in next 5 years.

If you had read CBDT agenda for this year, they have already asked their Tax Officers and AO to identify people and try to tax them as much as possible to increase tax collection. Future is bleak for CC users who rotate money heavily and using their accounts to pay off.

Continue: Although I don't need to worry here as I have been iflling ITR since 20 yrs with details of every single penny except cashbacks as currently there is no system where banks can reports cashback incomes. 10K already exmepted. In future CBDT will have system to report these cashback incomes also.

Thankyou for your suggestion everyone.