Monthly capping not reached unless they downgraded, which seems they haven't, as I can see the 'select' logo in the app and NB.
The card is not virgin; it has been virtually swiped many times in the past.
The only strange part is, the transaction didn't appear in the txn statement immediately; it did appear in the morning. So hope I didn't do the txn during their maintenance period, and they ignored me.