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Pay Credit Card bill using Amazon gv or 5% SBI Cashback credit card

I have tried 20 plus transaction and not even once got kottakota. And getting error unable to proceed due to security reasons through phonepe. Only option left to do it through Amazon now.
 
Is this 1.59% charges for direct credit card for visa/rupay or mastercard. Is it android or IOS?

For master card it is showing 2.48% charges.
 
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