5) IDFC Debit cards: Pay using Canara setu. Can use rupay first tap debit card on phonepe (Merchant name "Phonepe recharge" works, not sure about rest).
Reward rate and dc fees depends on account type:
For wealth account: 0.67% rewards till 50k(online spends). 2.5% rewards post 50k. Rs.12.5k rewards max monthly. So, around Rs.5.36L transaction can be done.