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.

 

[sousnake]

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)

Same for me, when I applied I was working from home. They asked email from office confirming same, when I provided it got approved.

 

[sousnake]

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

You will get 1% afaik but you have to pay fees 0.95% for paying with cc so I don't see much benefit

 

[OptiCard]

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)

I did it too. I sent email & id card from office mail id only.
But still chut... are rejecting my card.
I guess its depends on verification guy --> that guy might be marked my profile as fraud.

I don't have AU bank nearby else will go & apply from them

 

[sousnake]

I did it too. I sent email & id card from office mail id only.
But still chut... are rejecting my card.
I guess its depends on verification guy --> that guy might be marked my profile as fraud.

I don't have AU bank nearby else will go & apply from them

For me Au & MRCC have provided good value. IDFC select you can use then.
Not sure about Axis cards if they provide on govt. transaction.

 

[OptiCard]

For me Au & MRCC have provided good value. IDFC select you can use then.
Not sure about Axis cards if they provide on govt. transaction.

IDFC select will give 1x point --> so no use

 

[shutapdiya]

IDFC select will give 1x point --> so no use

Use it to load payzapp wallet and then use payzapp card for nps payment
Idfc gives regular rps for wallet loads

Just do test txn with small amount first

 

[OptiCard]

Use it to load payzapp wallet and then use payzapp card for nps payment
Idfc gives regular rps for wallet loads

Just do test txn with small amount first

When can I see the points.
Let say If I add 5k then when will see the those points in IDFC ??

 

[Enthusiast]

Use it to load payzapp wallet and then use payzapp card for nps payment
Idfc gives regular rps for wallet loads

Just do test txn with small amount first

With Payzapp card, NPS contribution is free? or any charges

 

[shutapdiya]

When can I see the points.
Let say If I add 5k then when will see the those points in IDFC ??

With Payzapp card, NPS contribution is free? or any charges

Idfc gives RPs for payzapp that is confirmed, no need to verify this
Still if you want you will have to wait till statement

Payzapp to NPS is not personally verified hence suggested to do test txn with small amount (500 is the min amount for nps contribution i guess)

 

[OptiCard]

Idfc gives RPs for payzapp that is confirmed, no need to verify this
Still if you want you will have to wait till statement

Payzapp to NPS is not personally verified hence suggested to do test txn with small amount (500 is the min amount for nps contribution i guess)

Ohh got you now.

Let me see over NPS site if seeing option to pay through payzapp prepaid card or not.

Hope will get 10x points

 

[shutapdiya]

Ohh got you now.

Let me see over NPS site if seeing option to pay through payzapp prepaid card or not.

Hope will get 10x points

Just put payzapp card details in place of cc/ dc details and try if it goes through

Also not 10X RPs on select card for txn above 25k in a statement, below that its 6X for online payments

 

[OptiCard]

Just put payzapp card details in place of cc/ dc details and try if it goes through

Also not 10X RPs on select card for txn above 25k in a statement, below that its 6X for online payments

True...
Thanks buddy

I guess IDFC not allow to redeem points against bill statement

 

[shutapdiya]

True...
Thanks buddy

I guess IDFC not allow to redeem points against bill statement

Nope but you can pay for txn by using your RPs, there is option on otp page to do that

 

[OptiCard]

Nope but you can pay for txn by using your RPs, there is option on otp page to do that

Hehe. Rs.99+ 18% GST

 

[shutapdiya]

Hehe. Rs.99+ 18% GST

I guess that fee is applicable for redemption of giftcards too

So no way to escape that fee

 

[OptiCard]

I guess that fee is applicable for redemption of giftcards too

So no way to escape that fee

Able to do Rs.500 payment. Thanks buddy will add Rs.50000 & do Rs.49500 payment

 

[OptiCard]

With Payzapp card, NPS contribution is free? or any charges

I can see 0.6..% fee
On Rs.1000 charging 0.6..% +18% GST on that (Rs. 7.xx) --> but good to go with this approach

 

[shutapdiya]

I can see 0.06..% fee
On Rs.1000 charging 0.06..% +18% GST on that (Rs. 7.xx) --> but good to go with this approach

Thats great bro

Means you only paid 503.54 for this 500 rs?

 

[sousnake]

IDFC select will give 1x point --> so no use

For govt. transaction like tax it gives 6X - have done twice in Nov. & Dec.
I thought it would be same for nps as well.

 

[sousnake]

Thats great bro

Means you only paid 503.54 for this 500 rs?

What about wallet load charges using idfc cc?