Available to redeem is only the points rewarded when statement was generated. The bonus points are added one day later in this case, so they are not redeemable until the next statement is generated, is my guessAny lock in period for redemption of points? Also could you confirm if the amazonpay vouchers are still in the 1Rp = 0.5p bracket?
I don't understand the APay question. I saw somewhere that the gyftr reward for BizBlack should be 3x only. So by that consideration, the reward rate comes to about 6%+