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Do we really get 1% CP on Wallet reloads using Millenia CC?

Even if this is applicable for CC, where could you use it for free (except Mobikwik with a max cap of 1k) or with low fee?
You can load up amazon pay wallet via zomato/uber for free upto 4k/month, plus they also have 1% wallet side top up rewards at times, if indeed the top up 1% CP benefit exists, you can get 80rs for just routing money from your cc to bank account per month easily by combining the sources. It's cashback earned without actually spending.

Some people also managed to bypass apay cc topup limit to 8k/month in another post I saw in this forum.
 
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