Yearly recharge
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https://www.desidime.com/discussions/yearly-recharge?page=1#post_6469099
Also add sbi simplyclick card in payzapp to pay via that so you get extra 1.25% worth reward points.
https://www.desidime.com/discussions/yearly-recharge?page=1#post_6469145
Do monthly recharges only using various offers. You will get more cashbacks elsewhere
https://www.desidime.com/discussions/yearly-recharge?page=1#post_6469328
Comes with the extra hassle of searching & doing various steps,fine for someone with time but not for someone looking for a one time recharge & forget person with no extra time to do this every month.
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Recharge through niki.. 5 or 6 percent discount and pay with payzapp to get extra cashback. Use code billpay/recharge(whichever works) on payzapp payment page