1. APay is the best option indeed.
2. Else, try any other wallet with IDFC CC (Wealth or Select preferred).
3. You may try LIC default bill pay option with Axis Ace/FK CC. You may get 2%/1.5% CB but I am not sure whether LIC has any convenience fee or not. Once upon a time, LIC used to take Convenience fees.
4. Pay LIC from FreeCharge wallet using Axis FreeCharge CC & get 5% CB.