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Tata neu infinity or kiwi

I have Tata neu infinity LTF and planning to apply for kiwi card as bill payment for HDFC CC is not rewarding me anything. So is it advisable to apply for kiwi as HDFC bill pay can be utilised for kiwi and not Tata neu

Please guide
 

D₹V

TF Prestige
I do that all the time scan at home..
I get QR code thru WhatsApp and pay from home
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D₹V

TF Prestige
We have a small groceries shop in our lane. I get milk, curd n bread n other one-off items from him. I avoid carrying phone. Get the the items n pay from home - where I have his QRC. I use Rupay cards for this. Kwik or PNB.
Yes, understand.

But my POV was in above comment that, if he is using his own merchant id to rotate 🤣🤣 or something like that.
 
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