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.

 

[b4bhar]

do test transaction and let us know whether you're still getting or not.

AU Bank Credit Cards Devaluation News WEF 1st April 2024

AU Bank sending email notifications to their credit card holders informing upcoming devaluation updates. 1. Discontinuation of Reward Points/Cashback: AU Credit Cardholders will not earn Reward Point/Cashback on the below mentioned spends categories & on BBPS transactions starting 1st...

www.technofino.in

I did a test transaction and it was included in the 5% additional cashback though the transaction is still not reflecting in NPS contributions. Maybe they take some time.
So, AU lit would be the best for NPS i giess

 

[helloworld]

I did a test transaction and it was included in the 5% additional cashback though the transaction is still not reflecting in NPS contributions. Maybe they take some time.
So, AU lit would be the best for NPS i giess

Good to know.

 

[its_karan]

though the transaction is still not reflecting in NPS contributions. Maybe they take some time.
So, AU lit would be the best for NPS i giess

Yes it will follow Transaction Timelines

T+1

(Assuming you did < 3pm)

 

[b4bhar]

Yes it will follow Transaction Timelines

T+1

(Assuming you did < 3pm)

Yeah, its in the contributions now. Have to wait till next month as my 10k spends for this month are done with the LIT card.

 

[JimCarrey]

I did a test transaction and it was included in the 5% additional cashback though the transaction is still not reflecting in NPS contributions. Maybe they take some time.
So, AU lit would be the best for NPS i giess

Great test, so AU is still rewarding on Government spends, even though they are writing about exclusions.

 

[sm9811911]

Great test, so AU is still rewarding on Government spends, even though they are writing about exclusions.

This was effective 1st April it says. Do have to be cautious every time you do the transaction, au may update the system anytime.

 

[b4bhar]

Great test, so AU is still rewarding on Government spends, even though they are writing about exclusions.

This was effective 1st April it says. Do have to be cautious every time you do the transaction, au may update the system anytime.

Yeah, even i was worried about it. Maybe this doesn't affect LIT cashback feature as it is paid feature. I didn't try utilities though, but i think those also are included for 5% cb feature as someone else confirmed about utilities. You dont get any reward points though.

 

[Thangarajan D]

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.

SBI simply save have any rewards?

 

[helloworld]

SBI simply save have any rewards?

any other cards with you? its just 1 rp that too 0.13% you'll be in loss.

 

[Thangarajan D]

any other cards with you? its just 1 rp that too 0.13% you'll be in loss.

I am going give the registration payment. For that SBI card is eligible?

 

[helloworld]

I am going give the registration payment. For that SBI card is eligible?

normally no, but that depends on mcc.