Credit card for School education spends

[devarshi84]

I have tried to post this topic on various threads without much response and Seldom see posts from other users asking similar question. While not useful to many, Education fees goes into lacs for many and is a big expense.

In my case, the fees is collected via an App called Eduqfix. The School doesn't accept fees except cheque. Eduqfix charges certain fees for using a credit card. Also, many cards do not get cashback/ Points for paying school fees as per MCC code.

I was considering getting something like a Kotak IOCL Rupay or Tata neu infinity credit card to make UPI payment for school fees.

What are the thoughts of other card holders?

 

[maheshspanicker]

There should not be bank charges for direct payment on school website HDFC or Axis. It seems these might be payment gateway charges which depends on negotiation between school and their bank. Most schools refuse to bear any cost of credit card payments like other merchants so additional charges are there for payment by credit card. This is seperate from education fees paid through third party websites which are now penalised by all banks. E.g. my school previous gateway charged 1% for all credit cards and 2% for amex. Now new gateway they are using charges 2% only for amex and diner cards. Earlier I used to pay by HDFC cards since rewards plus milestone more than compensated cost. Now shifted to Axis Atlas as no cost on visa.
Axis Atlas does give miles on direct education fees payment. I am getting for last 2 quarters.

No extra charges on credit cards shown on the portal. Also, nothing extra was charged on my PNB Rupay Select when I paid using it last month.

 

[aishwarya]

Can anyone tell me which cards currently offer the highest cashback for paying college fees directly on the college website (not through any third-party apps)?

 

[HumorSimpson]

Can anyone tell me which cards currently offer the highest cashback for paying college fees directly on the college website (not through any third-party apps)?

HDFC Millenia CC -> 1% upto 1000 and has a quarterly milestone benefit 0f 1K AGV when you hit 1L. So effectively 2%.

HDFC Tata neu infi -> 1.5% as neu coins unlimited.

 

[aishwarya]

HDFC Millenia CC -> 1% upto 1000 and has a quarterly milestone benefit 0f 1K AGV when you hit 1L. So effectively 2%.

HDFC Tata neu infi -> 1.5% as neu coins unlimited.

Okay.. thanks.. does HDFC Swiggy CC give any cashback for college fees payment?

 

[HumorSimpson]

Okay.. thanks.. does HDFC Swiggy CC give any cashback for college fees payment?

@pinki @D₹V any idea

 

[pinki]

Okay.. thanks.. does HDFC Swiggy CC give any cashback for college fees payment?

@pinki @D₹V any idea

Yes 1 %

 

[HumorSimpson]

Yes 1 %
View attachment 114828

Limits ? ?

 

[pinki]

Limits ? ?

500 / cycle

 

[sunit123]

Can anyone tell me which cards currently offer the highest cashback for paying college fees directly on the college website (not through any third-party apps)?

More than 50k: kotak zen 0.83%.

HDFC swiggy if 50k or less than 50k

 

[MJN]

 

[MJN]

AFAI - Only card gives reward for education payment is Tata Neu Infinity - 1.5% neu coins

 

[HumorSimpson]

AFAI - Only card gives reward for education payment is Tata Neu Infinity - 1.5% neu coins

HDFC Millenia CC too.

 

[MJN]

HDFC Millenia CC too.

It won't.. Pls check

 

[tachniki]

Can anyone tell me which cards currently offer the highest cashback for paying college fees directly on the college website (not through any third-party apps)?

Infinia gives 3.3% reward points unlimited.

 

[HumorSimpson]

It won't.. Pls check

Have been using it for the past 1 year. September 2025 too I got 1% CB and another 1K for hitting qrtrly milestone of 1L spend.

 

[pinki]

View attachment 114830

changed recently ?

 

[pinki]

Have been using it for the past 1 year. September 2025 too I got 1% CB and another 1K for hitting qrtrly milestone of 1L spend.

I didn't get in millenia for education payments 🥹

 

[GABBA₹]

Does sbi card charges 1% fee for education payment through third party apps, if I pay it using cc upi?

 

[MJN]

May be . .

 

[HumorSimpson]

I didn't get in millenia for education payments 🥹

🤔. Did you use any 3rd party app?