pranayarena
Classic
- Joined
- Dec 16, 2025
- Messages
- 9
- Thread Author
- #1
NPS gave me 13% XIRR returns in the last 3 years. These are good returns.
But there is a hack to get 3–8%+ more through credit cards (even on this excluded govt transactions category). Plus nowadays you can even get 5% on CC payments..!!
Means 13% + 8% (for me) + 5% = 26% on NPS
(Example ₹50,000 = ₹13,000 savings)
Also you still get tax deduction under Section 80C and 80CCD(1B) up to limits in the old tax regime.
And now as NPS 3.0 came, it became more interesting.
Feels unreal na.. but it’s absolutely possible.
Read carefully..
Some fun maths —
5–10%+ (instead of 3–8%+) up to ₹30k for new users.
Later SBI Cashback, PhonePe Black / Ultimo, Axis CB, BoB CB, etc give ~2.7%+.
Miles cards like Horizon, HSBC T1, Atlas, etc give up to 8%.
M4B can get you way better rewards.
[Mark that BizBlack, HSBC Premier, StanC ultimate ,etc premium CCs give 2–3% base on NPS (except Amex Plat Travel)].
Let’s reveal the hack-
Use of wallets. Hear me out.
You have to use the UPI ID of a wallet, just copy it.
Now the important part — use BharatNXT to pay to this UPI ID via credit cards.
MCC and fees for category —
Education: 1.8% charges | MCC 8299
Business/Vendor: 2.3% charges | MCC 5399
(Kindly check your card exclusions or charges)
After the money is in the wallet, enter the wallet UPI ID in the NPS payment gateway.
Almost all wallets work here (not sure about PhonePe wallet).
That’s it — NPS investment is successful.
KYC is compulsory.
Important — in BharatNXT you can only transfer to payees not registered in your own name.
Wallet UPI ID will fetch your name by default. So Instead, create an account on your add-on card holder’s name. Cards can be added only if add-on account name = card name.
That’s why create or use a BharatNXT account under your add-on name.
For new users / add-on accounts -
https://invite.bharatnxt.in/9GVMDK6 (Can apply using referral of family/friends)
You can do up to ₹30,000 transaction free (₹15k + ₹15k) using this referral, only if you are new.
This increases your return for respective cards to max (5–10%+) up to ₹30k.
BharatNXT supports only credit cards (Visa / Mastercard / RuPay).
Diners or Amex won’t work.
Enter your own PAN to unlock transaction limits, otherwise the limit is ₹8k.
Credit card to bank transfers using any platform are strictly not recommended.
It’s a bad financial practice. Don’t fall for it..!
This method is only for NPS contribution.
Also let me know if you know any other app which transfers from credit card to UPI
(EasyMyDeal upi
down).
Till then clear your doubts in comments…
But there is a hack to get 3–8%+ more through credit cards (even on this excluded govt transactions category). Plus nowadays you can even get 5% on CC payments..!!
Means 13% + 8% (for me) + 5% = 26% on NPS
(Example ₹50,000 = ₹13,000 savings)
Also you still get tax deduction under Section 80C and 80CCD(1B) up to limits in the old tax regime.
And now as NPS 3.0 came, it became more interesting.
Feels unreal na.. but it’s absolutely possible.
Read carefully..
Some fun maths —
5–10%+ (instead of 3–8%+) up to ₹30k for new users.
Later SBI Cashback, PhonePe Black / Ultimo, Axis CB, BoB CB, etc give ~2.7%+.
Miles cards like Horizon, HSBC T1, Atlas, etc give up to 8%.
M4B can get you way better rewards.
[Mark that BizBlack, HSBC Premier, StanC ultimate ,etc premium CCs give 2–3% base on NPS (except Amex Plat Travel)].
Let’s reveal the hack-
Use of wallets. Hear me out.
You have to use the UPI ID of a wallet, just copy it.
Now the important part — use BharatNXT to pay to this UPI ID via credit cards.
MCC and fees for category —
Education: 1.8% charges | MCC 8299
Business/Vendor: 2.3% charges | MCC 5399
(Kindly check your card exclusions or charges)
After the money is in the wallet, enter the wallet UPI ID in the NPS payment gateway.
Almost all wallets work here (not sure about PhonePe wallet).
That’s it — NPS investment is successful.
KYC is compulsory.
Important — in BharatNXT you can only transfer to payees not registered in your own name.
Wallet UPI ID will fetch your name by default. So Instead, create an account on your add-on card holder’s name. Cards can be added only if add-on account name = card name.
That’s why create or use a BharatNXT account under your add-on name.
For new users / add-on accounts -
https://invite.bharatnxt.in/9GVMDK6 (Can apply using referral of family/friends)
You can do up to ₹30,000 transaction free (₹15k + ₹15k) using this referral, only if you are new.
This increases your return for respective cards to max (5–10%+) up to ₹30k.
BharatNXT supports only credit cards (Visa / Mastercard / RuPay).
Diners or Amex won’t work.
Enter your own PAN to unlock transaction limits, otherwise the limit is ₹8k.
Credit card to bank transfers using any platform are strictly not recommended.
It’s a bad financial practice. Don’t fall for it..!
This method is only for NPS contribution.
Also let me know if you know any other app which transfers from credit card to UPI
(EasyMyDeal upi
down).
Till then clear your doubts in comments…
