I am also in a same situations.
But I personally feel, for 1 lac spends, better to stick with DCB. And opt for some Amex cards for Apay Gyft vouchers(0.75% tax+ GST). Combinations give more stable rewards.
Axis, I guess has stopped rewards multiplyer for most of the gyft vouchers. So not...
I am planning ₹34,000 per month wallet load via Amex plat Trav card.
I guess surcharge is 3 %. But will be recovering more that this ,once I hit the milestone.
Whats the limit per month?
Not tried yet, but getting 2.9% charges, does it will remain same or they eventually increases charges once you use this method frequently?
Via Mobiqwick route. Charges are 2.65%+GST. You get rewards points(wallet loads). Worth considering if you are planning to hit the milestone of Plat travel. Otherwise not a good option.
P.S.-as mentioned don't mix personal expenses with business.