Best card for NPS Contribution

[Waynoway]

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.

 

[Shubham Yadav]

I have paid every month and confirmed already on this thread. No regular point only milestone points.

which gateway do you use bro ?

Amex MRCC sahi card h NPS k liye ?

Yealry 50k NPS

 

[sousnake]

Amex MRCC sahi card h NPS k liye ?

I like it. Have to pay 50 for me and my wife. 1L spend I get half reversal and 20k paid in 5 month both milestone completed. 10k points.
Thoda sa optimize kr leta hum sometimes 6k only per month.

 

[shutapdiya]

Amex MRCC sahi card h NPS k liye ?

Yealry 50k NPS

Mai to wohi use karne wala hu

2 mahine ke 6k aur 20k wale milestone meet ho jayege

Baki 10k gold charge pe 2 mahine ke liye to wo 2 milestone

 

[sousnake]

Mai to wohi use karne wala hu

2 mahine ke 6k aur 20k wale milestone meet ho jayege

Haan sahi rahega.. decent card hai
I won't be able to fulfill 4L on plat travel so mrcc works fine.
And sometimes 5k ya 1.5k ka kuch aur spend ho jaata hai to next month defer kr deta hun

 

[Shubham Yadav]

I like it. Have to pay 50 for me and my wife. 1L spend I get half reversal and 20k paid in 5 month both milestone completed. 10k points.
Thoda sa optimize kr leta hum sometimes 6k only per month.

Mai to wohi use karne wala hu

2 mahine ke 6k aur 20k wale milestone meet ho jayege

Baki 10k gold charge pe 2 mahine ke liye to wo 2 milestone

Thanks both of you for info

I want this card but

Location problem 😭😭😡😡😒😒

 

[shutapdiya]

Thanks both of you for info

I want this card but

Location problem 😭😭😡😡😒😒

AU LIT hai?

 

[Shubham Yadav]

AU LIT hai?

AU Altura h

 

[shutapdiya]

AU Altura h

Iska idea nahi bro, but LIT me mil raha aisa padha hai

 

[Shubham Yadav]

Iska idea nahi bro, but LIT me mil raha aisa padha hai

Dekhata hu AU se baat krke

Vaise bhi Altura ko close krna h

 

[shutapdiya]

Dekhata hu AU se baat krke

Vaise bhi Altura ko close krna h

Downgrade karwa ke LIT le lo

 

[sousnake]

Dekhata hu AU se baat krke

Vaise bhi Altura ko close krna h

Downgrade karwa ke LIT le lo

Right now there is some offer on all AU cards for nps and insurance payments. Wo bhi check kr lo ek baar.

 

[DaDarkkNight]

Dekhata hu AU se baat krke

Vaise bhi Altura ko close krna h

Yes AU LIT offers rewards on nps payments currently promotional campaign till 31st jan
In spite of this, I feel AU LIT is an underrated card and it is a must have in cc collection, i would even rate it higher than au zenith.
Its all about using that card strategically to generate very high returns

 

[harmonizer97]

Has anyone tried Axis Airtel after the recent devaluation, does it still get 1% cashback for NPS?

 

[OptiCard]

Can anyone suggest me from below for NPS payment:

Credit Cards:

• One Card
• IDFC Select
• Kotak League
• ICICI HPCL Coral
• ICICI Rupay Coral
• ICICI Makemytrip
• ICICI Amazonpay
• Yes Edge Prosperity
• Canara Rupay Platinum
• PNB Rupay Platinum
• HDFC Tata Infinity Neu
• HDFC Millenia
• IndusInd Platinum
• Standard Chartered Rewards Platinum
• RBL Shoprite
• HSBC Cashback
• HSBC Platinum
• SBI Simply Save
• Axis Indian Oil
• Axis Flipkart
• BOB Premier
• SBM Step Up

Debit Cards:

• Axis Priority
• ICICI Platinum
• HDFC Millenia
• Canara Rupay Debit + Prepaid
• SBI Rupay Debit + Prepaid

 

[sousnake]

Can anyone suggest me from below for NPS payment:

Credit Cards:

• One Card
• IDFC Select
• Kotak League
• ICICI HPCL Coral
• ICICI Rupay Coral
• ICICI Makemytrip
• ICICI Amazonpay
• Yes Edge Prosperity
• Canara Rupay Platinum
• PNB Rupay Platinum
• HDFC Tata Infinity Neu
• HDFC Millenia
• IndusInd Platinum
• Standard Chartered Rewards Platinum
• RBL Shoprite
• HSBC Cashback
• HSBC Platinum
• SBI Simply Save
• Axis Indian Oil
• Axis Flipkart
• BOB Premier
• SBM Step Up

Debit Cards:

• Axis Priority
• ICICI Platinum
• HDFC Millenia
• Canara Rupay Debit + Prepaid
• SBI Rupay Debit + Prepaid

IDFC select should work, but I would recommend getting AU card (ltf Xcite Ultra using swipe up via idfc select) or get AMEX MRCC.
I use these two for NPS as they have offers & good milestone.

 

[OptiCard]

IDFC select should work, but I would recommend getting AU card (ltf Xcite Ultra using swipe up via idfc select) or get AMEX MRCC.
I use these two for NPS as they have offers & good milestone.

AU bank directly rejecting the swipe up just after giving the PAN number.

 

[sousnake]

AU bank directly rejecting the swipe up just after giving the PAN number.

You can try amex, i am using mrcc for nps only.
Try Au after 3 months maybe.

 

[OptiCard]

You can try amex, i am using mrcc for nps only.
Try Au after 3 months maybe.

This AU bank is Chut... they're rejecting the card because they're expecting me to be in office for office verification. I have permanent WFH who will go for this thing???

 

[shutapdiya]

This AU bank is Chut... they're rejecting the card because they're expecting me to be in office for office verification. I have permanent WFH who will go for this thing???

I am also working from home and I got is last week bro

They called and said distance between your office and home is more than 1000kms so are you working from home
I said yes, then they asked for consent from official email id and card approved after 2 days

No home or office verification (may be bcoz i had account with them)

 

[OptiCard]

Till yet I can see there is no condition for ICICI Amazon pay credit card to get 1%