I am disappointed with gyftr. They should have increased APay conv. fee to 4%+GST = 4.72% so that Millennia CC and others would have become useless.
Now SBI cashback is only saviour for many until Amazon starts charging conv. fee on APay GCs.
It may or may not happen but once Sale Days are over after Diwali they may roll back these charges and extra on APay voucher. Currently Millennia CC is 6-3.54= 2.46% only at gyftr while DC 8.96% but DC only till 5350.