If I am not wrong, Amex gives 1MR for each ₹50 spent, and it's 24k karat is ₹9k for 24000 MR, so effectively on tax payments, amex would give 0.75% (9k/12L) and if we consider the monthly milestone then too the reward rate wouldn't go above 1.25%, also payment gateway charges would be around 1-1.5%, so which benefits am I missing here?