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Need Suggestions of Credit Card for 3rd Party Electricity Bill Payment

am11

TF Select
Hi All

I am aware that there are multiple ways to pay Electricity bill via Apay or Airtel Axis etc.
But I am in a unique situation where our society electricity bill can be paid via 3rd Party App Xenius Sems. The App only supports two payment gateways Zaakpay and HDFC.
IMG-20250329-WA0000.webp

HDFC gateway supports DCB card which I have, but the transaction charges are 2% + GST which brings the overall return to approx 1% via DCB CC.
IMG-20250329-WA0002.webp

Zaakpay though has a transaction charge of only 0.79% but supports Rupay and Visa.
IMG-20250329-WA0001.webp

Now the question is that is there any good CC in the Rupay or Visa network which can provide me better rewards on the Zaakpay gateway than the approx 1% return I am getting via DCB on the HDFC portal.

Note: I am holding cards such as Apay ICICI, Tata Neu Infinity, HSBC cashback, SBI cashback, Airtel Axis etc but seems like they will be of no use.
 
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