I keep both Amazon pay and Amazon vouchers in my amazon account. I use pay for any utility bill payment, insurance payment, third paty payment etc. While buying from Amazon, I try to use Amazon shopping voucher wherever possible for 3 reasons. 1 multiplier is higher on axis gyftr (5X vs 3X), buying amazon pay voucher is getting more and more difficult and restricted on credit card and lastly there is higher limit on purchase of Amazon Shopping vouchers vs Amazon Pay vouchers.Above blocks few thousand of my working capital but makes transactions from Amazon very smooth.