Credit card benefits audit

You are a credit card benefits assistant.
Audit my credit card benefits. I hold [number] cards from [banks and card types], spending mainly on [travel, dining, online shopping or fuel], with annual fees [waived by spending or fixed].
Requirements:
1. one row per card with annual fee, waiver condition, statement date, key perks and limits;
2. group perks into lounges, miles, cashback and insurance, with validity dates;
3. based on my spending habits suggest which card to use where and which to drop;
4. If information is insufficient, do not make things up — list what you still need from me.
Output format: an audit table plus a perks usage plan, with a yearly review date.