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any trick for kotak 811 I have metal card which is not working in justdail and secondly the charges in justdial is too high, I donot have idfc bank account which account should I open for gettting rewards point, monthly payment of around 1-1.5 L cc billUse Paytm, phonepe, freecharge, billdesk website for cc bill payment and no extra charges on RuPay and also get SBI Rewards.