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.

 

[CCFan12]

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

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

Thanks again.

You can try the Kfin NPS app if your account is being managed by them.

 

[AlgoTrader]

anyone able to make nps payments through amex from yesterday?

 

[sousnake]

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 for AMEX MRCC as well for BillDesk. Till last month it was working.
Not sure about RazorPay.

 

[CCFan12]

What are the charges levied by Amex for NPS contribution, I am getting 1026 for a contribution of 1000, so charges are approx 2.6%.

 

[AlgoTrader]

Not working for AMEX MRCC as well for BillDesk. Till last month it was working.
Not sure about RazorPay.

razonpay wont accept amex, not sure what went wrong with bill desk

 

[JimCarrey]

What are the charges levied by Amex for NPS contribution, I am getting 1026 for a contribution of 1000, so charges are approx 2.6%.

I had paid 14,123.90 for a 14,000 contribution a week back.
Charges for credit card is
0.75% of the transaction amount + Goods & Services Tax (GST) @ 18%

 

[CCFan12]

I had paid 14,123.90 for a 14,000 contribution a week back.
Charges for credit card is
0.75% of the transaction amount + Goods & Services Tax (GST) @ 18%

Which app did you use? Was an Amex card used for payment?

 

[AlgoTrader]

I had paid 14,123.90 for a 14,000 contribution a week back.
Charges for credit card is
0.75% of the transaction amount + Goods & Services Tax (GST) @ 18%

I also did a transaction on friday, it was working back then, It stopped working from yesterday

 

[CCFan12]

I am getting an amount of 14,157 for 14,000 contribution.. So more charges if transaction amount is small..

 

[JimCarrey]

Which app did you use? Was an Amex card used for payment?

Direct at NSDL. Yes Amex was used.

 

[JimCarrey]

I am getting an amount of 14,157 for 14,000 contribution.. So more charges if transaction amount is small..

Charges is same for all amounts, I tend to do 1.5k*4

I hope this is just a temporary glitch and gets fixed soon on billdesk's end.

 

[R!ppEr]

damn if NPS removes amex, MRCC is a good bye for me :|

 

[PavanPavan is verified member.]

NPS fixed for now i was able to get OTP

 

[helloworld]

NPS fixed for now i was able to get OTP

Thanks working now.

Billdesk changed the UI and now don't have to enter email and mobile to transact.

Charges: 0.885%

 

[PavanPavan is verified member.]

Thanks working now.

Billdesk changed the UI and now don't have to enter email and mobile to transact.

Charges: 0.885%

is charges increased ?

 

[CCFan12]

Thanks working now.

Billdesk changed the UI and now don't have to enter email and mobile to transact.

Charges: 0.885%

Service charge is extra right?

 

[AlgoTrader]

Thanks working now.

Billdesk changed the UI and now don't have to enter email and mobile to transact.

Charges: 0.885%

thank god. now i am getting black page, followed by server error. Hope it will be resolved soon.

 

[helloworld]

is charges increased ?

no. same.

0.75%+18% GST = 0.885%

 

[dadofjohnwick]

damn if NPS removes amex, MRCC is a good bye for me :|

but using MRCC in NPS won't give us points right? it doesn't give points on utilities na.
So other than to fulfill spend based milestone, what is MRCC useful for?

 

[iAmPm]

But works for milestones