Dont pay through the linked federal bank account upi.
Click on 'View All', then select 'Fi' under 'Other UPI Apps' (it might be behind another 'View All' button). You will be redirected to the app, pay from there.
...the spends criteria, you can enjoy complimentary lounge access in the subsequent calendar quarter as per the Debit Card variant held by you*
In case you utilize the complimentary lounge access, you can still visit the lounge by paying the lounge fee.
For further clarification, please read...