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Best card for NPS Contribution

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.

Waynoway

TF Buzz
Last update: 10-04-24
  • HDFC : Milestone benefits only ✅
  • HSBC Cashback: 0% ✅
  • AMEX Gold Charge: 1 MR/50 + Milestone benefits ✅
  • AMEX SmartEarn/ MRCC: Milestone benefits only ✅
  • AU Zenith: Milestone benefits only ✅
  • AU Zenith+: 1% + Milestone benefits ✅
  • ICICI APay: 1% ✅
  • SC Smart: 2% ✅
  • SC Ultimate: 2% (Govt. transaction)
Note: Mostly other cards from same bank works with varied reward rate and similar rule of exclusion.

Tip: IDFC, IndusInd, BOB provides better rewards using payzapp like prepaid card load (MCC: wallet) which you can use to pay NPS compared to direct payment where you'll get from 0.25% to 0.8% only on these cards.

For NPS payments MCC: 9399 (Govt. Services)

Do check both payment gateways Razorpay and Billdesk (above values are according to Billdesk gateway).

Also, do share missing cards rewards that you tried, will update accordingly.

PG Charges (with GST) on NPS website/app:
  • VISA, Mastercard & AMEX = 0.885% (0.75% + GST)
Note: Above are for TIER 1. TIER 2 disabled credit card payments (based on latest available options).

If in doubt, always try test transaction and confirm with support. Things may chage any time, proceed with caution.
 
Last edited by a moderator:
If planning to apply now and have spends more than 2-3 lakhs, consider amex plat travel. Get reference from someone in your family or refer someone in your family and use their card. With referral bonus and milestone rewards you will earn lot more than wealth cc
Do amex cards work on nps/tax portals and does amex gives rewards points for amex transactions or only milestone?
 
I hold
HDFC millenia
HDFC Tata neu infinity
Axis ace
Axis Flipkart
Axis airtel
SBI cashback
SBI simplyClick
Icici Amazon pay
Standard chartered Smart
Amex mrcc
Bob snapdeal
Kotak zen
Indusind legend
AU excite ace

Please suggest which card I can use for NPS tier 1 payment
 
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