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.

 

[bigbyte]

Edit: Got a refund of ₹12 from NPS to Payzapp wallet on next day.
So net outgo for payment of ₹1000 to NPS is ₹1007.5. Now this is profitable. If wallet is loaded with 2% CB, 0.75% is surcharge by NPS. Net profit is 1.25%.

For me too, they charged 1.93% from payzapp wallet, albeit in two instances 0.75% while making the payment and simultaneously 1.18% separate SMS. However in payzapp full amount including 1.93% shows up as a single transaction.

I just hope that they refund 1.18% in a day or two, just the way they did for you.

 

[_ayush]

Atlas gives for NPS, but not after 20th April, so use it before only for this FY

Will it count towards milestone as well?

 

[SuperKnight]

Will it count towards milestone as well?

Yes it does

 

[SonyTom]

For me too, they charged 1.93% from payzapp wallet, albeit in two instances 0.75% while making the payment and simultaneously 1.18% separate SMS. However in payzapp full amount including 1.93% shows up as a single transaction.

I just hope that they refund 1.18% in a day or two, just the way they did for you.

I think you will get the refun tomorrow. Do update here

 

[LordSpymaster]

I read through this thread and am summarizing the findings here, someone please confirm if this is correct?

• Amex MRCC: Only gets the 20k milestone benefit on NPS?
• Amex Gold Charge: 1 RP / 50 plus milestone (can do in 6 transactions for the 1k*6 benefit)?
• DCB: Only fee waiver milestone spends?

 

[techt]

I read through this thread and am summarizing the findings here, someone please confirm if this is correct?

• Amex MRCC: Only gets the 20k milestone benefit on NPS?
• Amex Gold Charge: 1 RP / 50 plus milestone (can do in 6 transactions for the 1k*6 benefit)?

unfortunately amex doesn't work for nps.

 

[LordSpymaster]

unfortunately amex doesn't work for nps.

Is this new? As in does the payment gateway reject all amex cards outright?

 

[techt]

Is this new? As in does the payment gateway reject all amex cards outright?

I don't have nps. But it seems amex never works on govt. sites.

 

[sousnake]

I don't have nps. But it seems amex never works on govt. sites.

No till last month it was working. I always paid nps via mrcc only.

 

[helloworld]

I read through this thread and am summarizing the findings here, someone please confirm if this is correct?

• Amex MRCC: Only gets the 20k milestone benefit on NPS?
• Amex Gold Charge: 1 RP / 50 plus milestone (can do in 6 transactions for the 1k*6 benefit)?
• DCB: Only fee waiver milestone spends?

you're correct and can confirm until 31st Mar, 2024. Not sure if any recent changes. Do check latest updates, if any.

 

[Harsha896]

Bob snapdeal seems to be a good card for NPS. I used it and got 2.5% cashback last month

 

[LordSpymaster]

you're correct and can confirm until 31st Mar, 2024. Not sure if any recent changes. Do check latest updates, if any.

I will try my Gold Charge and revert back.

 

[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.

 

[techt]

No till last month it was working. I always paid nps via mrcc only.

PG charges ?

 

[helloworld]

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.

you'll get, didn't got any notification related to AMEX cards. So, gold charge as usual 1/50 + milestone.

 

[sidmanraj]

I read through this thread and am summarizing the findings here, someone please confirm if this is correct?

• Amex MRCC: Only gets the 20k milestone benefit on NPS?
• Amex Gold Charge: 1 RP / 50 plus milestone (can do in 6 transactions for the 1k*6 benefit)?
• DCB: Only fee waiver milestone spends?

Does DCB gives points?

 

[bigbyte]

PG Charges are 0.75% including GST for all Credit Cards.

 

[LordSpymaster]

Does DCB gives points?

Not sure myself, but DCB does give points on insurance.

 

[helloworld]

Does DCB gives points?

Not sure myself, but DCB does give points on insurance.

hdfc any card no points but work for milestones.

 

[bigbyte]

I think you will get the refun tomorrow. Do update here

I got refund. So net charges are 0.75%