Nps best cc for voluntary contribution

[msankadi]

Which card should be used to get rewards for nps voluntary contribution of 50k?

 

[S U D O]

Which card should be used to get rewards for nps voluntary contribution of 50k?

AU cards currently have an ongoing offer of bonus reward points

 

[msankadi]

AU cards currently have an ongoing offer of bonus reward points

Thanks I must specify I have magnus infinia swiggy neu amex mrcc Indus legend amazon icici sbi simplicb and same banks debit cards

 

[raghumahajan]

AU cards currently have an ongoing offer of bonus reward points

AU Ixigo - Rupay has offer ?

 

[Harsha896]

Thanks I must specify I have magnus infinia swiggy neu amex mrcc Indus legend amazon icici sbi simplicb and same banks debit cards

magnus, infinia, swiggy,neu wil not give any benfit. mrcc can use if any spend based offer ongoing. Maybe best option is amazon icici only but not worth as its only 1% and will not offset PG charges.

 

[Harsha896]

AU Ixigo - Rupay has offer ?

Yes Ixigo is applicable

 

[Rishabh]

I prefer AU LIT with 5% milestone benefit active to spend 50k spread across 5 months in an year.

 

[sousnake]

Thanks I must specify I have magnus infinia swiggy neu amex mrcc Indus legend amazon icici sbi simplicb and same banks debit cards

best is MRCC, you can complete monthly milestone with it.

 

[msankadi]

Thanks will use the amex mrcc atleast for dec-mar for monthly milestones and then complete the 50k in one go

 

[skal941]

Thanks will use the amex mrcc atleast for dec-mar for monthly milestones and then complete the 50k in one go

Are you able to use AMEX MRCC in nps website? Im using RazorPay PG and its saying Amex cards not supported..

 

[msankadi]

Are you able to use AMEX MRCC in nps website? Im using RazorPay PG and its saying Amex cards not supported..

Yes it worked last week... Use the other pg... I think billpay was it I forgot

 

[skal941]

Yes it worked last week... Use the other pg... I think billpay was it I forgot

Yes BillDesk PG supporting Amex Card.. im paying 5000*4 to get 1000+1000 (for 20k milestone) bonus points

 

[JustMak]

Are you able to use AMEX MRCC in nps website? Im using RazorPay PG and its saying Amex cards not supported..

Use Billpay PG.. Charges would be 0.75 + 18% GST, i.e. total of 0.885%.

 

[devarpit]

Hey Friends,

Just wanted to share that I made a 50K NPS payment today (April 5, 2025) using my HDFC Rupay UPI credit card, and there were no extra charges. Plus, I'm expecting a 1% reward!

According to the NPS site, Rupay credit cards don't have any platform or convenience fees, so I only paid 50K from my credit card and now I'm waiting for the rewards (usually around 1%).

I'm posting this to save you all the hassle of researching other cards. I looked into ICICI Amazon Pay, HDFC Infinia, Axis Rewards, HDFC UPI Rupay, SBI SimplyCLICK, HSBC Live, and Axis Select, but found this one to be the best for this payment.

 

[JustMak]

Hey Friends,

Just wanted to share that I made a 50K NPS payment today (April 5, 2025) using my HDFC Rupay UPI credit card, and there were no extra charges. Plus, I'm expecting a 1% reward!

According to the NPS site, Rupay credit cards don't have any platform or convenience fees, so I only paid 50K from my credit card and now I'm waiting for the rewards (usually around 1%).

I'm posting this to save you all the hassle of researching other cards. I looked into ICICI Amazon Pay, HDFC Infinia, Axis Rewards, HDFC UPI Rupay, SBI SimplyCLICK, HSBC Live, and Axis Select, but found this one to be the best for this payment.

Sorry to be spoilsport!

But no rewards on Govt. Spends on HDFC Rupay UPI CC.

Plus you get 1% cashpoint for other spends, which has at best value of Rs 0.25.

 

[devarpit]

Got it, thanks for clarifying @JustMak . The original intent was to get cashback, however I coudn't really find that in the cards i had(mentioned above). So saving on gateway/process charge( ~300inr) is the reward for me.

 

[helloworld]

Thread 'Best card for NPS Contribution'

Thread 'Best card for NPS Contribution'

Sep 19, 2022

Last update: 11-01-2025

• HDFC : Milestone benefits only ✅
• HSBC Cashback: 0% ✅
• AMEX Gold Charge: 1 MR/50 + Milestone benefits ✅
• AMEX SmartEarn/ MRCC/Platinum Travel: Milestone benefits only ✅
• AU Zenith: Milestone benefits only ✅
• AU Zenith+: 1% + Milestone benefits ✅
• SC Smart: 2% ✅
• SC Ultimate: 2% (Govt. transaction) ✅
• ICICI AmazonPay: 1%
• Yes Marquee: 1.25% (Special MCC) ✅

Note: Mostly other cards from same bank works with varied reward rate and similar rule of exclusion.

For NPS payments MCC: 9399 (Govt. Services)

Do check both payment...

• Waynoway
• Replies: 651
• Forum: Credit Card - General

• 

 

[JustMak]

Got it, thanks for clarifying @JustMak . The original intent was to get cashback, however I coudn't really find that in the cards i had(mentioned above). So saving on gateway/process charge( ~300inr) is the reward for me.

Yes, that's true!

 

[am11]

With most of the salaried persons moving to the new regime from this year, voluntary NPS contribution only from the perspective of tax saving may not be a suitable option anymore.

 

[Chiraggyl]

With most of the salaried persons moving to the new regime from this year, voluntary NPS contribution only from the perspective of tax saving may not be a suitable option anymore.

Yes, but I think still we need to invest minimum 6k in tier 1.