UPI via CRED wallet (HSBC Premier)

Current Stack:

I'm evaluating, closing SBI PhonePe black and replacing it with HSBC Live+ (Context: https://www.reddit.com/r/CreditCardsIndia/s/4rj7Kj5nzg)

I recently found out that we can load Cred wallet and do UPI transactions via that.

Cred wallet load charges: 2.8%

HSBC Premier reward rate: 3%

Effectively, I'm just optimizing for 0.2%, which is not worth it.

Is there any other similar hacks for earning rewards on UPI transactions without Rupay card.

(Note: I don't want to just add another card into the stack, as I find it difficult to manage)