no idea about amex and magnus.oh ok got it now, i used amex to paytm via zomato only to avoid charges.
so magnus if directly used on the load wallet offer its direct paytm which indicates that bill paid via paytm as per axis reward points we will get
but for axis fk, i observed-
zomato way: no charge, no rewards.
direct load: charges + rewards. use if rewards rate greater than charges.
don't know about billpay via Paytm, never used it.