Original Reward Rate: You earned 4.5% in reward points, which equals 36 reward points per INR 200 spent.
New Rider Restriction: Only 70% of the flight cost can be paid using reward points.
Effective Reward Rate Calculation: Initially,
you could use rewards for 100% of the flight cost. Now, you can only use rewards for 70% of the cost. This means that the effective usability of the rewards is reduced. Since you used to be able to cover 100% with rewards, covering only 70% reduces the effectiveness.
The original reward rate was 4.5%, but now only 70% of the value can be effectively utilized due to the restriction. Therefore, the effective reward rate becomes 3.15%