need to pay 3.6 lacs credit card dues, best way for getting cashback

It will always depend on what mode of payments you currently have, we're talking about a single credit card or multiple credit cards, which bank credit card it is etc.

If you're seeking help, kindly provide as much information as you can, never harmed in the past, will never harm in the future as well.

Still, my little guidance would be :

75k via HDFC Bank Bill Pay at 1% cashback

SBI debit card gives 2 RP per Rs. 200 spent (0.25% cashback) and additionally 1,000 RP (Rs. 250) per Rs. 1 lakh spent in a FY
So, rest Rs. 2.85L paid via Paytm should give 2,850 RP + 1,000 RP (for spending Rs. 1 lakh in a FY) + 1,000 RP (for spending additional 1 lakh in a FY) = 4,850 RP = Rs. 1,212.5 (0.43% reward rate)

Kindly do confirm if SBI gives 1k RP on every additional Rs. 1 lakh spent in a FY or is it just for the first 1 lakh only

Rest, there's other mode of payments like RBL Signature+ DC etc

well just open 2 HDFC accounts its easy to do so:) if you already have one HDFC account visit branch and ask another account with some reason like i want to keep some transaction split to this 2nd account and they will open this 2nd account ONLY IF YOU HAVE VALID REASON , so find a reason and visit HDFC bank and open 2nd account

so now you will get 1% for 1.5 lakhs with 2 platinum DC's of HDFC (this is just another method to existing methods suggested by sahil1033)

Note: 3rd HDFC account might give you trouble as branch might no open unless its joint account with someone else :P even you can try that 3rd account from HDFC too to cover 2.25lakhs of bills using DC's of HDFC

urs.vishal431