Ok got it. If you calculate it after 10% discount it will be as per current market price. And people(like me) are mainly doing it for points and milestone benefit.
Buying gold online will always be in loss(except SGB) so one has to balance loss with points and see if it fits their requirement...
Do check the price in Flipkart and Amazon. It's same(or less) what is there in Tata cliq, so don't know why you are saying it. If you prefer Tata cliq and neu coins it's your choice but don't comment without cross checking.
I had foreign tours so went with Reserve. Magnus was no-brainer. I spend my 1st lakh on Magnus and rest expensed on Reserve. Any forex transaction is done on Reserve. Have add-on card for Reserve and my family also helps in expenses.