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.

 

[satviksehgal]

Paid NPS from Magnus card on 22nd March and full RPs received

great

 

[mast2510]

I paid NPS contribution of 50k using Magnus card on Jan 22, 2023.
Received rewards points.

This sounds good. Thanks

 

[raniphore]

Received normal points on NPS on Amex Gold
View attachment 12106

My NPS transaction with Amex always gets error. Can you tell me which gateway you use for transaction ?

 

[panu24]

I think 1% cashback would be on total amount

Yes you was right. my nps transaction using SBI Cashback settled after 3 days today. Can see 1% got on total amount including surcharge.

 

[PavanPavan is verified member.]

Sorry for repost

Does amex gold gives normal MR points for NPS ?

 

[SM24]

Sorry for repost

Does amex gold gives normal MR points for NPS ?

As far as I remember, Amex started categorising NPS as Utilities in June 2021 or 2022.

No points given from then on.

 

[PavanPavan is verified member.]

As far as I remember, Amex started categorising NPS as Utilities in June 2021 or 2022.

No points given from then on.

Gold gives regular MR for utilities right ?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Gold gives regular MR for utilities right ?

Yes

 

[PavanPavan is verified member.]

Yes

Thanks 😛 i mean will i get for NPS

 

[SM24]

Gold gives regular MR for utilities right ?

If Gold is exception to the rule, then I could be wrong.

Atleast for my Plat, Plat Travel and MRCC, it holds good, based on my experience.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Thanks 😛 i mean will i get for NPS

Yes

 

[PavanPavan is verified member.]

Yes

Oh thanks 🙂 quite surprising since all other cards categories NPS as Insurance or GOVT 🙁

 

[Prits]

Last update: 20-03-23

Per 100:

• HDFC DCB = milestone benefits (>80k)
• Axis Magnus = 12 RP per 200 (+25000 RP if >1L) (View attachment) ✅
• Amex MRCC/SmartEarn = Milestone rewards (4x1500, 20K) only ✅ View attachment 12110
• Amex Gold Charge = 1RP per 50 + Milestone rewards (6x1000) ✅ (View attachment)
• Bob Eterna = 0.375% ✅ View attachment 12103
• Sbi Vistara Prime = 2 CV
• Sbi cashback = 1% ✅
• Indusind Pinnacle/Legend = 0.7% ✅ View attachment 12102
• Ace = 2% ✅ View attachment 12104
• Ultimate = 3.33% ✅
• Millennia/AmazonPay = 1% ✅
• Onecard = 1% (2 more categories needed in that calendar month) ✅
• IDFC Wealth/HSBC Cashback = 1.5%
• AU = 1.25% (+ milestone benefits 2L/Quarter) ✅

Note: AMEX considering it as Utilities, so no regular MR points only Milestone points. Didn't got any MR points (0 credited for 504.45) but received milestone rewards. ✅

As per the information received from AMEX support, "For milestone related points, they will consider total spend amount (on any category)". ✅

NPS Charges (with GST):

• VISA & Mastercard = 0.89%
• AMEX = 1.05%
• Rupay = ?

✅ - Confirmed

Bob eterna is 3.75% or 0.375%

 

[smuff]

Has anyone tried Indusind select/exclusive debit card for NPS payment? Does it give regular reward points?

 

[Crusader4Credit]

Any experience with Axis VI?

 

[dineshweb]

Does SBI Cashback card gives 1% in NPS/Tax payments ??

 

[helloworld]

Could someone who did recent transaction to NPS, can you confirm whether 'AMEX Gold Charge' working or not? If yes, which gateway?

As per request,

RazorPay GW - not accepting AMEX cards
BillDesk GW - showing error as 'card not supported or amount does not supported'

FYI: NPS TIER 1 with 1000 transaction.

 

[CCFan12]

Could someone who did recent transaction to NPS, can you confirm whether 'AMEX Gold Charge' working or not? If yes, which gateway?

As per request,

RazorPay GW - not accepting AMEX cards
BillDesk GW - showing error as 'card not supported or amount does not supported'

FYI: NPS TIER 1 with 1000 transaction.

I just tried a test transaction and it is working.

Used the Kfin NPS app and the payment gateway was Billdesk. For a Rs 1000 transaction, the total amount was 1026.

 

[AlgoTrader]

Could someone who did recent transaction to NPS, can you confirm whether 'AMEX Gold Charge' working or not? If yes, which gateway?

As per request,

RazorPay GW - not accepting AMEX cards
BillDesk GW - showing error as 'card not supported or amount does not supported'

FYI: NPS TIER 1 with 1000 transaction.

Not working from yesterday for me, same error for bill desk gateway and razorpay was not supported for a while now

 

[helloworld]

I just tried a test transaction and it is working.

Used the Kfin NPS app and the payment gateway was Billdesk. For a Rs 1000 transaction, the total amount was 1026.

Ok. Tried through eNPS, not working in both app and website.

APP - no response after card details
Website - showed above error

Thanks again.