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Card picks for taxes

Pro-tip: Please use your mobile number and address linked with your Aadhar card for a successful application

HDFC BizBlack

  • Card for business owners
  • 16.5% returns (and 1% processing fees) for paying taxes worth ₹56,250 monthly
  • Joining & annual fees of ₹11800 - offset by welcome offer

Amex Platinum Travel

  • Spends of exactly ₹4L
  • 5% returns (+ 1% processing fees)
  • Welcome offer (until Oct. 22): Reduced joining fees of ₹4130 and extra 2K points
  • Extra Taj Voucher worth 10K for hitting ₹4L spend

Amex MRCC

  • Spends of exactly ₹20K per month
  • Welcome offer (until Oct. 22): Reduced joining fees of ₹1180 and extra 2K points
  • 5% returns (+ 1% processing fees)
  • Make 4 transactions of ₹5K each month

Amex Gold Charge

  • Spends of exactly ₹6K per month
  • Welcome offer (until Oct. 22): Reduced joining fees of ₹1180 and extra 2K points
  • 8.33% returns (+ 1% processing fees)
  • Make 6 transactions of ₹1K each month

HSBC Premier

  • 3 RP per ₹100 spent (plus 1% processing fees)
  • Joining fees ₹14160, annual fees ₹23600, LTF for HSBC Premier customers

Additonal Notes​

  1. While Amex Gold gives better rates than Platinum Travel and MRCC, one would rather use it for getting Amazon Pay vouchers
  2. For Amex MRCC, you need to enroll one-time into the membership programme for benefits
  3. Value of 1 Amex point is set at a conservative 50p for calculations.
  4. Pay taxes using Amex with Canara bank gateway, and for others using HDFC Bank gateway
  5. IDFC Vistara and SBI Vistara cards also offers benefits on government spends, but are not issued any more