Dont worry much, as per recent RBI circular Banks must report utilisation every fortnightly basis hence there is not much point in being obsessed with only keep it below 30% preferably 15% you will be fine
They are nice, they never promised me anything all I asked normal banking facilities they have been prompt and no issues so far maintaining a 0 MAB Select with IndusIND
Go with the credit card(s) which suits your needs.
A combination of ICICI Cored(for bank offers)+ ICICI Apay + HDFC (Bank offers)+ SBI Core (Bank Offers)+SBI CB +Axis Airtel+Axis Flipkart
serves purpose for most users
This is inconsistent I made 3 payments for 2 got BBPS and for 1 got RENTALBBPS; either HDFC is still migrating or there is a bug (Hopefully) expected to be resolved sooner or later.