Amex Gold Charge—buying from GyFTR still makes sense, ₹1,000 x 6 x 12 months from GyFTR costs ₹1,275 extra annually (1.77% fees).
But we earn 600 MR points/month vs just 120 if buying directly from Amazon — that’s 480 extra points/month and 5760 in a year. Redeeming 5,760 MR points via Gold Collection at 0.33 value = ₹1,900 in Amazon pay
Net: ₹1,900 – ₹1,275 = ₹625 gain.