Free tool · 189 Indian platforms
MCC Lookup: what your card spend codes as
Search Swiggy, Amazon, IRCTC, LIC or 185 other platforms to see the merchant category code (MCC) they usually post as, whether banks exclude it from rewards, and how sure we are. Or type a 4-digit MCC to see what it means.
🔍 189 platforms · ✅ 132 backed by reports or issuer T&Cs · 🏦 exclusions from 10+ Indian banks
What changed (7 Oct 2026): Axis now pays no points on gift cards (since Aug 2026), HSBC Live+ and PhonePe SBI Select Black changes added, and every relevant merchant now links to our DealUni guide.
Got a different MCC on your statement? Codes change with the payment gateway and city. Tell us what you saw and we'll update the database.Report an MCC →
MCCs Indian banks exclude from rewards
If a spend codes into one of these buckets, most cards pay no points, cap them, or add a fee. Check your own card's T&C before relying on it.
| Spend | MCCs | Excluded by | Fees or caps instead |
|---|---|---|---|
| Utilities & telecom | 4900, 4814, 4816, 4899 | SBI Cashback, Kotak, Axis co-brands (Ace etc.), Amex India, HSBC Privé/TravelOne | HDFC & ICICI: 1% fee on utilities above ₹50k/month. IDFC: 1x earn + 1% fee above ₹20k/month. HSBC Live+ now pays 10% on utilities within its cap (Jul 2026) |
| Insurance | 5960, 6300, 6381 (Axis also 6012, 6051) | SBI Cashback, Kotak, HSBC, Amex India, Axis co-brands | HDFC: capped at 2,000 RP/month. ICICI: capped at ₹40-80k/month. Axis: ₹5k/txn cap |
| Government & tax | 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950 | SBI (incl. tax since mid-2024), Kotak, HSBC, AU, HDFC personal cards, Swiggy HDFC | Gateway fee ~0.7-1% + GST on tax payments |
| Fuel | 5172, 5541, 5542, 5983 | Almost every card | HDFC: 1% fee if single txn >₹15k. ICICI: 1% if >₹10k |
| Rent | 6513 (SBI also 7349) | 18 of 19 cards tracked by CardExpress | HDFC 1% (max ₹4,999/txn), ICICI 1%, IDFC 1% (min ₹249) |
| Education | 8211, 8220, 8241, 8244, 8249, 8299 | SBI Cashback, Kotak (+1% fee), HSBC, AU, RBL, Axis co-brands, Swiggy HDFC | HDFC & ICICI: 1% fee only when paid via third-party apps |
| Wallet loads | 6540, 6541 | Nearly every card | HDFC: 1% above ₹10k/month. ICICI: 1% on loads ≥₹5k (from 15 Jan 2026) Gift cards beat wallet loads → |
| Tolls / FASTag | 4784 | Kotak, Axis Horizon, PhonePe SBI (Select Black since Jul 2026), Airtel Axis | IDFC: 1x + 1% fee above ₹10k |
| Rail & transit | 4111, 4112 | Kotak, SBI Cashback (4112), Axis Horizon (4111), HSBC Live+ (local transport, Jul 2026) | IDFC: 1x + 1% fee above ₹25k/cycle |
| Jewellery & gold | 5944, 5094 | Amazon Pay ICICI, Flipkart Axis, SBI Cashback, Swiggy HDFC, Axis Atlas, PhonePe SBI Select Black (Jul 2026) | Our gold coin hack → |
| Gaming / real-money | 5816, 7993, 7994 | SBI, Kotak (5816), Swiggy HDFC | HDFC: 0 RP + 1% above ₹10k. ICICI: 2% fee (from 15 Jan 2026) |
| Gift cards | 5947 | All Axis cards (since Aug 2026), SBI Cashback, Swiggy HDFC, PhonePe SBI Select Black (Jul 2026) | HDFC SmartBuy vouchers: bonus capped at 3,000 RP/month (Jul 2026) CRED gift cards after the Axis cut → |
All 189 platforms by category
The full database, for browsing. “Unverified” means we found no public report and the code is our best guess from the business type.
Show the full MCC list
Auto & EV
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Ather / Ola Electric | 5571 | Motorcycle shops & dealers | 5511 | Unverified |
| Car dealers & service (Maruti, Tata, Mahindra) | 5511 | Car & truck dealers (new & used) | Unverified | |
| Cars24 / Spinny | 5521 | Car & truck dealers (used only) | 5511 | Unverified |
| EV charging (Tata Power EZ Charge, Statiq) | 5552 | Electric vehicle charging | 6540, 4900 | Unverified |
Bills & Utilities
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Airtel (mobile / fibre / DTH) | 4814 | Telecommunication services | 4900 | Confirmed |
| Amazon Pay Bills | 4900 | Utilities (electric, gas, water) | Likely | |
| Bajaj Finserv bill pay | 4900 | Utilities (electric, gas, water) | 6012 | Likely |
| Broadband ISPs (ACT etc.) | 4814 | Telecommunication services | 4816, 4899 | Unverified |
| BSNL | 4900 | Utilities (electric, gas, water) | Confirmed | |
| Electricity boards (Tata Power, Adani, BESCOM, TNPDCL, MSEDCL, BSES) | 4900 | Utilities (electric, gas, water) | 9399 | Likely |
| FASTag / Park+ | 4784 | Tolls & bridge fees | 4900 | Confirmed |
| Flipkart bill pay | 4900 | Utilities (electric, gas, water) | Likely | |
| Jio | 4814 | Telecommunication services | 4900, 6540 | Confirmed |
| Piped gas (MGL / IGL) | 4900 | Utilities (electric, gas, water) | Unverified | |
| SBI UniPay / bank bill-pay | 4900 | Utilities (electric, gas, water) | Likely | |
| Tata Play / DTH | 4899 | Cable, satellite & pay TV | 4900 | Unverified |
| Vi (Vodafone Idea) | 4900 | Utilities (electric, gas, water) | 4814 | Likely |
Charity & Religious
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Charity (GiveIndia, NGOs, PM CARES) | 8398 | Charitable & social service organisations | 9399 | Unverified |
| Temples / ISKCON | 8661 | Religious organisations | Unverified |
E-commerce & Shopping
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Ajio | 5651 | Family clothing stores | 5691, 5699 | Confirmed |
| Amazon.in (main checkout) | 5399 | Misc. general merchandise | 5699 | Confirmed |
| Decathlon | 5655 | Sports & riding apparel | Likely | |
| FirstCry | 5641 | Children's & infants' wear | Likely | |
| Flipkart | 5399 | Misc. general merchandise | 5699, 5411, 5944, 5262, 5947, 5942 | Confirmed |
| Meesho | 5310 | Discount stores | Confirmed | |
| Myntra | 5699 | Misc. apparel & accessories | 5691, 5944 | Confirmed |
| Nykaa | 5977 | Cosmetic stores | Confirmed | |
| Nykaa Fashion | 5699 | Misc. apparel & accessories | 5977, 5691 | Unverified |
| Purplle / Mamaearth | 5977 | Cosmetic stores | 5999 | Unverified |
| Tata CLiQ | 5399 | Misc. general merchandise | Likely | |
| Tira | 5977 | Cosmetic stores | Likely |
Education
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| BYJU'S / Unacademy / PW / upGrad | 8299 | Educational services (NEC) | 5817 | Unverified |
| Coursera / Udemy | 8299 | Educational services (NEC) | Confirmed | |
| Education via CRED / Paytm / Flywire | 8211 | Elementary & secondary schools | 8220, 8299 | Unverified |
| School / college fees (direct) | 8211 | Elementary & secondary schools | 8220, 8299, 8241, 8244, 8249 | Confirmed |
Electronics
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Apple India Store | 5732 | Electronics stores | 5735 | Likely |
| boAt | 5732 | Electronics stores | 5999 | Unverified |
| Croma | 5732 | Electronics stores | Confirmed | |
| Reliance Digital | 5732 | Electronics stores | Confirmed | |
| Vijay Sales | 5732 | Electronics stores | Likely |
Entertainment
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| BookMyShow | 7832 | Motion picture theatres | Confirmed | |
| Dream11 / MPL / rummy apps | 5816 | Digital goods: games | 7994, 7993 | Confirmed |
| PVR INOX / Cinepolis | 7832 | Motion picture theatres | Confirmed | |
| Steam | 5816 | Digital goods: games | 5965 | Likely |
Fitness & Services
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Cult.fit | 5499 | Misc. food stores & convenience | Likely | |
| HealthifyMe | 7997 | Clubs & fitness/recreation memberships | 5817 | Unverified |
| Housejoy | 7349 | Cleaning & maintenance services | Unverified | |
| Urban Company | 7349 | Cleaning & maintenance services | Confirmed |
Food & Dining
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Barbeque Nation | 5812 | Eating places & restaurants | Unverified | |
| Burger King | 5814 | Fast food restaurants | Likely | |
| Costa Coffee | 5812 | Eating places & restaurants | Likely | |
| District by Zomato | 5812 | Eating places & restaurants | Likely | |
| Domino's | 5499 | Misc. food stores & convenience | 5814 | Likely |
| EatSure (Rebel Foods) | 5499 | Misc. food stores & convenience | 5811 | Likely |
| EazyDiner | 5812 | Eating places & restaurants | Likely | |
| Haldiram's | 5812 | Eating places & restaurants | 5441 | Unverified |
| KFC | 5814 | Fast food restaurants | Unverified | |
| McDonald's | 5814 | Fast food restaurants | Likely | |
| Pizza Hut | 5814 | Fast food restaurants | 5499 | Unverified |
| Starbucks (Tata Starbucks) | 5812 | Eating places & restaurants | Likely | |
| Swiggy (food delivery) | 5812 | Eating places & restaurants | 5814, 5499 | Confirmed |
| Swiggy Dineout | 5812 | Eating places & restaurants | Unverified | |
| Third Wave Coffee | 5812 | Eating places & restaurants | 5814 | Unverified |
| Zomato (food delivery) | 5812 | Eating places & restaurants | 5814, 5499 | Confirmed |
Fuel
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| BPCL / Shell / Nayara | 5541 | Service stations (fuel) | 5542 | Unverified |
| HPCL / HP Pay | 5541 | Service stations (fuel) | Confirmed | |
| Indian Oil (IOCL) | 5541 | Service stations (fuel) | 5542 | Confirmed |
Gift Cards & Vouchers
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Amazon gift cards | 5947 | Gift, card, novelty & souvenir shops | 5399 (older) | Confirmed |
| Gyftr | 5947 | Gift, card, novelty & souvenir shops | Confirmed | |
| HDFC SmartBuy gift vouchers | 5947 | Gift, card, novelty & souvenir shops | Unverified | |
| Magicpin | 5947 | Gift, card, novelty & souvenir shops | 5499 | Likely |
| Woohoo / Pine Perks | 5947 | Gift, card, novelty & souvenir shops | 6540 | Likely |
| Zingoy | 5947 | Gift, card, novelty & souvenir shops | 5310, 7399 | Likely |
Government & Taxes
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Aadhaar (UIDAI) | 9399 | Government services (NEC) | Likely | |
| GST portal | 9311 | Tax payments | 9399 | Unverified |
| Income Tax portal | 9311 | Tax payments | Confirmed | |
| Passport Seva | 9399 | Government services (NEC) | Likely | |
| Property tax / water (municipal) | 9399 | Government services (NEC) | 9311, 4900 | Unverified |
| Traffic challan | 9222 | Fines | 9399 | Unverified |
Health & Pharmacy
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Apollo Pharmacy / Apollo 24|7 | 8099 | Medical services (NEC) | Confirmed | |
| Diagnostic labs (Lal PathLabs, Thyrocare) | 8071 | Medical & dental labs | Unverified | |
| Hospitals (Apollo, Fortis, Max, Manipal) | 8062 | Hospitals | Unverified | |
| Lenskart | 8043 | Opticians & eyeglasses | Confirmed | |
| MedPlus | 7298 | Health & beauty spas | Likely | |
| MrMed | 5122 | Drugs & druggists' sundries | Likely | |
| Netmeds | 5411 | Grocery stores & supermarkets | Likely | |
| PharmEasy | 5411 | Grocery stores & supermarkets | Confirmed | |
| Practo | 8011 | Doctors | 8099 | Unverified |
| Tata 1mg | 5912 | Drug stores & pharmacies | Unverified |
Home & Furniture
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| IKEA | 5712 | Furniture & home furnishings | Confirmed | |
| Pepperfry / Urban Ladder | 5712 | Furniture & home furnishings | Unverified |
Insurance
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Acko | 6300 | Insurance sales & premiums | Likely | |
| HDFC Life / ICICI Pru / Star Health / ICICI Lombard / Digit / Policybazaar | 6300 | Insurance sales & premiums | 5960, 6381 | Unverified |
| LIC | 6300 | Insurance sales & premiums | Confirmed | |
| Travel insurance | 6300 | Insurance sales & premiums | Unverified |
Jewellery & Gold
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| CaratLane / Kalyan / Malabar | 5944 | Jewellery, watch & silverware stores | Confirmed | |
| Digital gold (SafeGold / Augmont / MMTC-PAMP) | 5094 | Precious stones, metals, watches & jewellery | 6051 | Unverified |
| Ethos Watches | 5944 | Jewellery, watch & silverware stores | Confirmed | |
| Joyalukkas / GRT / local jewellers | 5944 | Jewellery, watch & silverware stores | 5094 | Unverified |
| Kushal's (fashion jewellery) | 5094 | Precious stones, metals, watches & jewellery | Confirmed | |
| Tanishq | 5944 | Jewellery, watch & silverware stores | Confirmed |
Offline Retail & Fashion
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Bata | 5661 | Shoe stores | Confirmed | |
| DMart (stores) | 5411 | Grocery stores & supermarkets | 5311 | Confirmed |
| H&M / Zara / Marks & Spencer / Puma | 5699 | Misc. apparel & accessories | Likely | |
| Reliance Smart Bazaar / More / Lulu | 5411 | Grocery stores & supermarkets | Unverified | |
| Shoppers Stop / Lifestyle | 5311 | Department stores | Unverified | |
| Spencer's | 5411 | Grocery stores & supermarkets | Unverified | |
| Trends (Reliance) | 5651 | Family clothing stores | Unverified | |
| Uniqlo | 5651 | Family clothing stores | Likely | |
| Westside / Pantaloons | 5311 | Department stores | 5651 | Unverified |
| Zudio | 5311 | Department stores | Confirmed |
Quick Commerce & Grocery
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Amazon Fresh | 5411 | Grocery stores & supermarkets | Confirmed | |
| BigBasket / BB Now | 5411 | Grocery stores & supermarkets | 5399 | Confirmed |
| Blinkit | 5411 | Grocery stores & supermarkets | 5499, 5732, 6540 | Confirmed |
| DMart Ready (online) | 5411 | Grocery stores & supermarkets | 5311 | Confirmed |
| Flipkart Minutes | 5411 | Grocery stores & supermarkets | 5399 | Unverified |
| JioMart | 5499 | Misc. food stores & convenience | Likely | |
| Swiggy Instamart | 5411 | Grocery stores & supermarkets | 5814, 5812 | Likely |
| Zepto | 5411 | Grocery stores & supermarkets | 5399, 5499 | Confirmed |
| Zepto Cafe | 5411 | Grocery stores & supermarkets | Unverified |
Rent & Real Estate
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| CRED Rent | 6513 | Real estate agents & rentals | Confirmed | |
| Housing.com / RedGiraffe rent | 6513 | Real estate agents & rentals | 7349 | Unverified |
| NoBroker (rent) | 6513 | Real estate agents & rentals | Confirmed |
Subscriptions & Digital
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Amazon Prime membership | 5399 | Misc. general merchandise | Likely | |
| Apple Music | 5735 | Record stores | Likely | |
| AWS | 7399 | Business services (NEC) | Likely | |
| ChatGPT / Claude / Adobe / Canva / Notion / Zoom | 5734 | Computer software stores | 5817, 7372 | Unverified |
| Dropbox / Discord | 5734 | Computer software stores | Likely | |
| Google One / Drive | 5968 | Direct marketing: subscription | Likely | |
| Google Play | 5816 | Digital goods: games | Confirmed | |
| JioHotstar / SonyLIV / Zee5 / YouTube Premium | 4899 | Cable, satellite & pay TV | 5815 | Unverified |
| LinkedIn Premium | 7399 | Business services (NEC) | Likely | |
| Microsoft 365 | 5816 | Digital goods: games | Likely | |
| Netflix | 4899 | Cable, satellite & pay TV | Confirmed | |
| Spotify | 5815 | Digital goods: media (books, music, movies) | Confirmed |
Travel – Airlines
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Air India (incl. ex-Vistara) | 3020 | Air India | 4511 | Confirmed |
| Air India Express | 4511 | Airlines (generic) | Unverified | |
| Akasa Air | 4511 | Airlines (generic) | Unverified | |
| Emirates | 3026 | Emirates | Confirmed | |
| Etihad / British Airways / Lufthansa / Air France | 3034 | Etihad | 3005, 3008, 3007 | Confirmed |
| IndiGo | 4511 | Airlines (generic) | Confirmed | |
| InterMiles | 4511 | Airlines (generic) | 4722 | Likely |
| IRCTC Air | 4511 | Airlines (generic) | Likely | |
| Qatar Airways | 3136 | Qatar Airways | Confirmed | |
| Singapore Airlines | 3075 | Singapore Airlines | Confirmed | |
| SpiceJet | 4511 | Airlines (generic) | Likely |
Travel – Cabs & Rentals
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Namma Yatri | 4121 | Taxicabs/limousines | Unverified | |
| Ola | 4121 | Taxicabs/limousines | Confirmed | |
| Rapido | 4121 | Taxicabs/limousines | Confirmed | |
| Revv | 7512 | Car rental agencies | Unverified | |
| Savaari | 4121 | Taxicabs/limousines | Likely | |
| Uber | 4121 | Taxicabs/limousines | 7512 | Confirmed |
| Zoomcar | 7512 | Car rental agencies | Likely |
Travel – Hotels & Stays
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Agoda | 7011 | Hotels, motels & resorts (generic) | Confirmed | |
| Airbnb | 7011 | Hotels, motels & resorts (generic) | 4722 | Confirmed |
| ALL Accor+ membership | 8699 | Membership organisations (NEC) | 7011 (older) | Likely |
| Booking.com | 7011 | Hotels, motels & resorts (generic) | Confirmed | |
| Hyatt / Radisson / Holiday Inn | 3640 | Hyatt | 3649, 3501 | Likely |
| ITC Hotels | 7011 | Hotels, motels & resorts (generic) | 3524 | Unverified |
| Marriott (direct) | 3509 | Marriott | 7011 | Likely |
| OYO | 7011 | Hotels, motels & resorts (generic) | Likely | |
| Taj / IHCL (direct) | 7011 | Hotels, motels & resorts (generic) | 3659 | Unverified |
| Treebo | 7011 | Hotels, motels & resorts (generic) | Likely |
Travel – OTA & Portals
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Axis Travel EDGE | Not disclosed | Confirmed | ||
| Cleartrip | 4722 | Travel agencies & tour operators | 7011, 4131 | Confirmed |
| EaseMyTrip | 4722 | Travel agencies & tour operators | Likely | |
| Expedia | 4722 | Travel agencies & tour operators | Likely | |
| Goibibo | 4722 | Travel agencies & tour operators | Confirmed | |
| HDFC SmartBuy (travel) | 4722 | Travel agencies & tour operators | Unverified | |
| ICICI iShop | 4722 | Travel agencies & tour operators | Unverified | |
| IRCTC Tourism | 4722 | Travel agencies & tour operators | Confirmed | |
| Ixigo | 4722 | Travel agencies & tour operators | 7011 | Confirmed |
| Klook / GetYourGuide / Headout | 4722 | Travel agencies & tour operators | Likely | |
| MakeMyTrip | 4722 | Travel agencies & tour operators | Confirmed | |
| Points.com (buying points) | 7399 | Business services (NEC) | Likely | |
| Yatra | 4722 | Travel agencies & tour operators | 4112 | Confirmed |
Travel – Rail & Bus
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| AbhiBus | 4131 | Bus lines | Likely | |
| IRCTC (train tickets) | 4112 | Passenger railways | Confirmed | |
| Metro cards (Delhi/Mumbai/Bengaluru) | 4111 | Local/suburban commuter transport | Unverified | |
| redBus | 4131 | Bus lines | Confirmed |
Wallets & Payment Apps
| Platform | MCC | What it codes as | Also seen | Confidence |
|---|---|---|---|---|
| Amazon Pay balance load | 6540 | Stored value / wallet load | 5262 | Confirmed |
| CRED (bill pay / CRED Store) | 5399 | Misc. general merchandise | 5812 | Likely |
| Forex card loads (Thomas Cook etc.) | 6051 | Quasi-cash (forex, money orders, crypto) | 6012 | Unverified |
| Freecharge | 4814 | Telecommunication services | 4900, 6513, 8211 | Likely |
| Google Pay / Jio Finance wallets | 6540 | Stored value / wallet load | Likely | |
| MobiKwik | 6540 | Stored value / wallet load | 4900 | Confirmed |
| Paytm (wallet / vouchers / shopping) | 6540 | Stored value / wallet load | 5947, 5699 | Confirmed |
| PhonePe (bills / wallet) | 6540 | Stored value / wallet load | 4814, 9399 | Confirmed |
| Swiggy Money / Zomato Money | 6540 | Stored value / wallet load | Unverified |
Related DealUni guides
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- Best cards on a ₹30–50k salary (and the gift card trick)
- Great Indian Festival & Big Billion Days 2026: best cards
- UPI charges from 15 October
- Axis overseas spends offer: up to ₹20,000 vouchers a month
- Amex India changes from 11 October
- Apple Pay in India with Axis cards
- Beginner’s guide to credit card points in India
MCC questions
What is an MCC?
A merchant category code is a 4-digit number the merchant's bank assigns to every card transaction. Your card issuer reads it to decide whether a spend earns bonus points, base points or nothing at all.
How do I check the MCC of a merchant in India?
Search the merchant in the tool above. For an exact answer on your own transaction, some card apps show the MCC in transaction details, or you can ask your bank's customer care for the MCC of a posted transaction.
Why does the same merchant show more than one MCC?
The MCC depends on the payment gateway, the city, and whether you pay in the app or at a physical counter. Swiggy, Zepto and Domino's are common examples.
Does the MCC matter on co-branded cards?
Usually not. Cards like Swiggy HDFC, Flipkart Axis, Airtel Axis and Amazon Pay ICICI pay their bonus by merchant ID, so the brand's own spends earn the bonus whatever the MCC.
Which MCCs do Indian banks exclude from rewards?
The usual exclusions are utilities and telecom (4900, 4814, 4899), insurance (6300, 5960, 6381), government and tax (9311, 9399), fuel (5541, 5542), rent (6513), education (8211 to 8299) and wallet loads (6540). The table above has the bank-by-bank detail.
Data last checked 7 Oct 2026, from community reports (CardExpress, Monzy, DesiDime, CaptainTorch) and issuer T&Cs (Kotak, Axis, SBI Card, HDFC, ICICI, IDFC, HSBC, BOBCARD). MCCs are set by the merchant's bank and can change without notice. DealUni is independent and not affiliated with any bank or merchant named here.