Use SBI yono app or SBI net banking - generate virtual RuPay DC (lifetime free) and both virtual + physical will coexist.
SBI virtual RuPay DC - 2x reward + 2x milestone benefit (total 1% return)
You can use CC Bill pay on SBI Unipay, Billdesk cc bill pay website (Amex & SCB CC bill also supported), Phonepe, Freecharge, Canara Setu.
SBI virtual DC - ecom limit 50k per day.