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IDFC First Bank Khushiyan First 2023

I see an offer for INR 250 cashback on spends of INR 5K+.

4. This offer will not be valid on spends done on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280), Rent Payments (MCC 6513), Utility (MCC 4800-4999), Wallet Load (MCC 6540) and NPS & Tax payments (MCC 9311, 9399).

Does this mean insurance spends are fine?
Thread exists here:

Currently only 27K is limit available in my card used on some txn which is not eligible under this criteria, Overall Limit is 57K, can I pay remaining 23K into card and use it for 50K txn without incurring any charges ?
It won't let you spend above your credit limit in 1 billing cycle.
I need help regarding this I got the mail saying i get 10% instant discount but while purchasing something from Amazon but no offer is coming while paying via idfc cc what should i do???


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I have got 10* additional Reward points on my 1L spends (Tax), Check Yours! Spend on 10 oct 2023