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.

 

[helloworld]

Via Bill Desk there are transactions charges via credit card 0.75% + GST and also its not same day NAV , Can you tell me how much net return we can achieve by paying via amex mrcc ?

Thread 'AMEX MRCC vs AMEX Gold vs AMEX Travel vs AMEX Reserve'

Aug 19, 2024

Update: Currently FYF not applicable for MRCC / Plat. Travel using referral links.

Category	MRCC	Gold Charge	Plat. Travel	Plat. Reserve
Joining Fee (with referral + GST)	1180	₹1,180	4130	₹11,800
Joining Benefits (with referral)	2000+4000 MR (on spending ₹15,000)	6000 MR (on spending ₹15,000)	12000 MR (on spending ₹15,000)	15000 MR (on spending ₹25,000)

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• helloworld
• Replies: 75
• Forum: American Express

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