You can get 30000 pts max. in a month. To get it your first 50K, you get 50000/150x3 = ~1000 Pts. After that, per 100, it is 3 pts. So next 50K @10X pts = 50000/100X10= 5000 pts. Total 6000 Pts on 1L payment equivalent to Rs. 1500 or 1.5%. For 2L, 16000 pts payment you get 2%. For 3L, 26000 pts, 2.16%.i already have select account, havent used it for cc billpay, thanks for the info bro