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]

PG charges ?

0.75% + gst - same for all cc

 

[bigbyte]

0.75% + gst - same for all cc

0.75% GST Included.

 

[sousnake]

0.75% GST Included.

I don't think - I paid on nps portal.
44.25 charges for 5k - which is 0.75% + gst

 

[bigbyte]

I don't think - I paid on nps portal.
44.25 charges for 5k - which is 0.75% + gst

I paid yesterday, was charged 0.75% gst included.

 

[sousnake]

I paid yesterday, was charged 0.75% gst included.

Oh.. will try in next few day and update here.
Which platform you paid on?

 

[bigbyte]

Oh.. will try in next few day and update here.
Which platform you paid on?

NSDL via Billdesk gateway

 

[_ayush]

I paid yesterday, was charged 0.75% gst included.

for me it was 0.75% + gst as well 🤔

 

[KLB@96]

trying to pay via razorpay PG using CC nd it keeps getting failed , help anyone

 

[SonyTom]

I paid yesterday, was charged 0.75% gst included.

Same for me too. I also used the Billdesk gateway if I remember correctly

 

[sky_walker_rules]

isn't atlas good for nps payment before 20 April?

 

[helloworld]

trying to pay via razorpay PG using CC nd it keeps getting failed , help anyone

pay through bill desk.

 

[KLB@96]

pay through bill desk.

okay, will I get rewards ? Am planning to use wealth or smart card

 

[svm98]

Paid 50,561 for an investment of 50k yesterday via the NPS app/billdesk. Used icici apay CC and showing 505 reward points.
So can club it with the platinum DC for a net positive result.

 

[sousnake]

Paid 50,561 for an investment of 50k yesterday via the NPS app/billdesk. Used icici apay CC and showing 505 reward points.
So can club it with the platinum DC for a net positive result.

Charges should be 0.75%+gst which should be around 442.
how come 561?

 

[svm98]

Charges should be 0.75%+gst which should be around 442.
how come 561?

118 was charged as POP (Point of Presence) charges (SBI in my case) since I had opened my account via SBI. Basically they act as service providers/facilitators for NPS. That is applied even when I pay via upi or DC.

 

[bigbyte]

Yes, if not opened directly, 0.2% pop trail commission is charged.

 

[helloworld]

okay, will I get rewards ? Am planning to use wealth or smart card

check main post.

 

[cch]

isn't atlas good for nps payment before 20 April?

I made the payment using it, got the milestone, lets see about the points for this txn.

 

[LordSpymaster]

Made a 5K payment from my Gold Charge; fee was around 44 INR. The statement shows this pending with the name as: BILLDESK GOVERNMENT PG.

Will revert after it clears and if I see points added on for this.

Confirming that I got 101 points on my Gold Charge today on a 5K transaction. See the screenshot below.

 

[sidmanraj]

Does indusind legend gives points on nps payment?