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Credit card Giving maximum points on mygate society maintainance payment

Here is my calculation for making 10K payment on MyGate using AGV bought from SmartyBuy using Infinia:

AGVTotal PaymentReward PointsEffective PaymentMyGateNet GainNet Gain %
10000​
10295​
1650​
8645​
9770 + 230 GST9770 - 8645 = 11251125 / 9770 = 11.5%

Pls correct me if this calculation is wrong.
 
Which cards do you hold?

I’m buying AGV using Infinia and paying by APAY wallet on MyGate.
I hold DCB, IDFC select, ICICI sapphiro and Tata neu infinity. I used to earlier pay through tata neu through UPI. But not working anymore
 
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