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Can anyone tell the best app to pay credit card bills to get cashback or reward points? I have hdfc moneyback credit card and millennia debit card

Hello Everyone Recently I got a call from HDFC bank saying that please convert your due amount into EMI to open benefits of the loans and limit enhancement. This is my first (pre-approval) credit card from HDFC bank and also It’s my first credit card as I am 20 years old. Do you recommend...