that is incorrect.
if u spend 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 13.4k from mrcc.
Total = 80.6k MR
Reward rate - 14.81% MR points as compared to spends which translates to 7.4% (if 50 paisa per MR point...