If keeping up with the minimum balance is getting tough, wouldn't switching to a zero-balance account be better? It seems smarter than paying penalties, especially if hidden fees eat up the "free" perks anyway.

I am planning my first international trip to the Maldives with my wife! I am looking for guidance on how to book flights from India and maximize the savings on our credit cards (SBI PRIME CC, Amazon Pay ICICI CC, and HDFC Infinia CC). Any tips for first-time international travelers?