Most of salary accounts are not real wealth savings accounts. Icici has given wealth theme to salary account holders. I think that is why they do not issue wealth debit card.
My Axis bill payment this time acted like old way of taking 3 days to process, last week. I paid using hdfc billpay. Last 2 months Axis payments getting credited instantly. When it did not settle instantly, I wait for till evening and then understood its going to take 3 days again.
Sorry not much experience of communicating with them it's only 6 months since I got SC smart card.
I will invite here @helloworld to help you who have some experience about SC bank.