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Best way to redeem 190000 intermiles

Amazon Pay Vouchers

Rs 500 Voucher : Rs 475 + 61 IM

So for 61 IM = Rs 25

Now when you swipe Rs 475 using Infinia you get flat 3.3% CB Points ie Rs 475 costs you 459.33

So effectively 61 IM = Rs 40.67 giving 0.67p for a mile.
So for converting 61 IM you will be paying 475 / 460 from your cc. So for converting 1lakh IMs you will spend 7.7 Lakhs? Or am I missing something?
 
You can redeem through sites that have Pay with Rewards as a payment option like Jiomart etc.
Jiomart website not giving Pay with Reward option. PayU gateway is replaced by Jiopay. Which sites are still offering Pay with Rewards option?

Edit: Zepto also not giving Twidpay option.
 
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