Use bajajfinserv app.... Quite rewarding for bill payment... Upi money transfer..... It gives points on transfer... And 10% cb applicable on most of bill payments.... More cashback if u use bajaj finserv upi
And smartpay is applicable for every hdfc card... Currently giving offer 5% upto 150 cb per month... For first year of registration after getting new card or upgrade....
And take millenia if u want to get upto 400 cb per month... By adding miney in paytm and then doing bill payment.... Its 1% upto 400....platinum is only valid for cb on credit card bill payment using hdfc bill pay... Millenia gives u flexibility.... If u have account from savings max and above... Millenia is free for u.... Even platinum is... But only useful for cc bill payment...