why not, when you calculate the return of Atlas or m4b, you take the value of their edge point i.e 0.25 per point...
Do it and see the return of your favorite altas and M4B cards...
Donot be double standard in calculation...
If you are calculating in terms of cash or quasi- cash, convert all card into cash instead of selective calculations...some card 2 point for 100 rs...1 point = 2 accor point...that means 4% cool return...other card 18000 point is equivalent to 6000 cash...return is negative after annual fee
This is wrong...