Well, since the main part of the question is how to increase the savings, we will say do not use any one of it.
Rather go for SBI SimplyClick Card.
Well, we list down the reasons:
You get almost 2.5% cashback for shopping done at preferred merchants like amazon, ola, foodpanda etc
You get 1.25% cashback for all other online shopping like bill payments, recharges etc.
You can also read a complete review on the card done earlier on our shaastra
In addition, to lower your cost further, you should use klippd to get more cash backs.