hi, i have a hdfc cc bill coming due on 8th sep for 1.5L, i have sbi vdc visa and sbi phyical dc for rupay. Which one should i use and on which platform to get maximum rewards? i have used unipay in past using vdc, but i heard that unipay does not support visa anymore, so can i use the rupay physical dc on unipayto get 0.5% reward points?