Indus RP credit has been pretty quick. Earned like 7000 RPs in last 3 months. Just to note, you dont get any RPs on Payzapp & Cred. I just did one txn via Mobikwik. It showed a conv fees for HDFC DC. but not for Indus DC. I transacted. I believe recieved RPs. So now, I have 2 platforms. One is Paytm, the other is mobikwik to pay CC bills via Indus DC