For me edc suits my cc spends, 60k avg spends on cc per month, so 3k in vouchers (uber), no issue if it is not apay (uber bhi kaam ajata h anyway)
Apay toh monthly 15k-20k requirement hoti mujhe, currently getting those via amex and au lit card.... I have nearly 15k (electricity+maintenance) prepaid meter recharge cost monthly, and mygate app allows apay voucher option (2-3% extra charges), but still beneficial since I procure apay vouchers at ~10% off.
Now if even rent pay can be done through apay balance, then it would be icing on cake. But not able to find anything, even mygate has stopped rent payments on their portal.