Merchant Name is not Important.
Important is Which MCC is tagged.
Same Merchant Names may have Different MCC tagged with it.
If you are receiving 1% cashback then for Sure MCC tagged would be of Utility.
Use SBI Yono.
Cards get blocked only for first few Txns on SBI yono.
For me Card was blocked for first 2-3 txns only after that No issues on SBI YONO GYFTR.
If you have ONE CARD purchase gift card worth Rs.10 and check which category is reflecting in OneCard App against such txn