on 9th Jan, I saw cibil enquiry for SBI credit card, however I did not apply for any credit card. When I went to social media I found so many other users found SBI cibil enquiry in cibil report without applying any credit card.
Generally amazon does not allow you to buy much gift cards and you miss 5% cashback on amazon pay. The trick to load money in amazon pay with 5% cashback is purchase something on amazon and cancel the order, choose option to return money as amazon pay balance.
Once you have balance in amazon...