I did my first credit card bill payment in PayZapp app using SBI VDC.
Tried paying 50k first, it failed 2 times (by saving card details, and without saving).
Then I tried a smaller amount - Rs 586. It went through.
Will try higher amounts after 24 hours.
Payzapp is much better than Unipay. I wanted to get out of the unstable Unipay platform, and was considering alternatives.
I finally zeroed in on Payzapp. If I get additional points or cashbacks on PayZapp that is even better.