statement me merchant name kya ata he?Great.
Suggested steps:
- Add any other bank credit card as a biller in Bill Pay.
 - Select debit card associated with Gold account while registering the biller.
 - Once added it should show - 'SmartPay Enabled' on the biller.
 - Test it with making a small payment (say Rs 100). While making payment mannualy, it would show 2 options - Net banking or Debit card. Choose Debit Card.
 - Once confirmed that the money has reached your credit card, proceed for a bigger amount. Keep it unique, so that after 2-3 days you are able make out the reward points. In my case payments used to be something like 30-40k, so was able to clearly make out.