Apply Virtual SBI RuPay DC (lifetime free) - total 1% reward rate (0.25% base reward + 0.25% virtual bonus + 0.50% milestone benefit on every 50k spend)
Pay here Amex CC bill only RuPay DC accepted - https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp
apply from yono app or SBI net banking (virtual RuPay global debit card variant) and lifetime free. If you also have physical card then no problem, both card will coexist).