I need an opinion from someone who had already used Amazon Pay. So, I paid 13,498.55 INR through Amazon Pay. I purchased a pay voucher from SmartBuy and incurred a 3.25% charge on that, totaling 498.55 INR. In return, I received 2,166 reward points, which translates to 1,667.45 reward points when redeemed at a 1:1 ratio.
I attempted to use the Amex reward multiplier, but the greyed-out icon prevented me from proceeding further. SBI Cashback would have only provided 650 INR in rewards. Therefore, I believe it's a win with Infinia, offering a 16.6% reward rate. Still, please let me know if you think I could have found a better deal.
A few things to consider - I paid the first-time charges for an Amazon Gift Voucher. This was because issues with the Amex reward portal occurred every month for me, but it usually worked after a few tries. However, this time, I deliberately chose to pay the charges to see what would happen because I had never gone above 10,000 INR for an Amazon Gift Voucher in a single transaction with Amex. So, with SmartBuy, I had no idea what to expect.