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https://www.desidime.com/comments/permalink/9641537
If nothing else works this is better
https://www.desidime.com/comments/permalink/9641543
So effective Rs 9.09 cashback on 7000 bill payment
or Rs 45.45 on 35k bill payment
0.12% cashback
https://www.desidime.com/comments/permalink/9641554
Then 0.25% Cheq could be better option
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Less than 10 cashback