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CASHBACK earned in FY 2023-24

Avin

TF Buzz
4.5L (Aprrox)

I spent around 90L this year (B spends) on around 15 cards (My family only). Earned around 5% (4.5L) including debit card cashbacks. i prefer vouchers over cashback, vouchers can help save tax.

I paid 1800/- after Joining & Renewal vouchers (Gst component on some) total Joining & renewal fees only this year, met spend criteria on all my cards.

if i count instant discount also, the tally would be somewhere around 8-9% atleast.
Can we use our personal credit cards for commercial transactions?
 
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