Keep it simple bhai
First, use HDFC BillPay using ESP debit card as a payment method and pay your bills up to ₹75,000. Ensure you don't pay bills for SBI, Axis, or Standard Chartered using HDFC BillPay otherwise, you won't earn points.
Once you have used your entire ₹75,000 limit, switch to SBI Unipay and use your SBI debit card to get 0.25% cashback.
Monthly limits:
- HDFC: ₹75,000 (1% cashback, 1 point = ₹1)
- SBI: ₹1 lakh per transaction, ₹10 lakh per month (0.25% cashback, 1 point = 0.25 paise)