Phonepay SBI Black Credit Card

dsubhajit89

KF Rookie
1. If i pay utility bill (incl insurance) using phonepay sbi black cc from phonepay app, conv fee apply hoga?
2. Its cashback or reward? If reward, reward redemption fees?
3. Eligible criteria? Min income?
4. If any offline store offer that if you purchase any merchant certain amount with sbi cc, than u can eligible cb. Than if i used this card, can i get cb?
 
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