Check the application process written in https://www.technofino.in/community/threads/tips-to-apply-pnb-credit-card-and-ways-for-quick-approval.10340
You need to send income documents now.
Many people opened wealth management account with minimum IP like 1L and used lot this free cibil report service. I think this made icici to close down free cibil service.
If you don't need any kind of cashback for your cc bill payments then don't use sbi unipay. Some other existing payment platforms are charging for cc billpay using DC. Sbi unipay don't charge when paying from DC.
How do you know you have wealth account? Just don't go by netbanking color. What matters is your savings account type. If it shows wealth account then you can get all facilities of wealth account.