Okay, yes got confused with Gold card.. too many cards too many things to remember and too later in the day at the time of posting.. Thanks for correction..
MobiKwik if you use for MRCC, you can do 1.5*3 and one 15k transactions. It will cost 590 in charges and will give you 401 regular and 2000 milestone points. Effectively you are buying 2400 point for 590, roughly for 25p for point