Given you only need 20 SC, I'd be doing a cheap return trip (eg SYD-MEL) for cash or even a points redemption (given points redemptions earn SCs now because that gets you exactly the number of SCs you need. If you for example earn 40 SCs but only need 20 to qualify for Gold, you will lose the extra 20 for ever when they assess your level. If you however earn exactly what you need to achieve Gold, your SCs you'll earn going to India will all count for next year.
Sorry to veer a bit OT, but what do you mean the extra 20 would be lost forever? I thought with VA when you move up a level your SC tally just keeps running? So in this case if the OP went straight up to 520 SCs, their balance would stay at 520 after upgrade to Gold, and therefore the extra 20 SCs would be the first 20 on the way to Platinum. Have I got that wrong?
The reason for my concern is that I'm currently sitting on 600 SCs but no eligible sectors, so, I'm still on Red. I have 4 VA flights booked and I had assumed that after the first 2 I'd go to Silver and then Gold when I take the next 2. So I'm really hoping my SC balance doesn't go to zero when I get Silver!