Suggestion to optimize spends on different cards

[Cardhero11]

Dear All,

I would like to get advice from everyone and help me optimize whether I should continue to use Amex platinum travel card or not.

I have below cards

1. HDFC Infinia Metal
2. Airtel Axis
3. Yes Kiwi Rupay
4. SBI cashback
5. HSBC live plus

My spends are as follows LIC including family:2.3 lacs/ year​

Term Insurance: 13k/year​

HDFC ergo Health Insurance: 55K/year​

Home Maintenance towards Apartment: 80K per year​

Amazon Vouchers: HDFC infinia​

Rest of the spends goes towards Food and groceries and Home loan EMI (1lac)​

I book tickets of flight or hotel only via Smartbuy.

I have following questions

1. Should I still continue to use Amex Platinum travel card as it is hard to achieve 4L milestone? Is there a way I can achieve the milestone easily ?
2. Should I buy gold coin from Myntra/Swiggy via Infinia Smartbuy or invest that money in Gold ETF