ALL my UPI bank trxns are exclusively limited to Kotak 811. UPI CC trxns are only on Kotak-IOCL n ICICI-Coral.
I get email n SMS for each trxn n based on them, I update my excel file on my laptop. Data sync to PC every weekend.
ALL CC payments are done only thru HDFC BillPay from SB Max.
Kotak n HDFC bank statements each month will tally with my Excel sheet.