Updated Merchant Category Code List in India (September 2025)
Searching for MCC codes for cashback, rewards calculation or any other purpose? Check out the complete list here
Table of Content
I was reading a bunch of Reddit threads where people were confused about missing cashback, rewards not getting credited, milestone spends not counting, and almost every answer boiled down to the same thing: wrong MCC code or ineligibility of specific MCC codes in the T&C of cashback rewards.
The Merchant Category Code (MCC) is a 4-digit code assigned to every merchant that decides whether your credit card gives you 5% cashback or nothing at all.
Most people don’t even know where to find these MCC codes in India. I created a clean and searchable MCC list so you can quickly find these merchant category codes.
If you've ever scratched your head wondering why your ‘grocery’ spend didn’t get rewards, this one’s for you.
What are merchant category codes?
Merchant Category Codes (MCCs) are 4-digit numbers assigned by banks or card networks (like Visa, MasterCard, or RuPay) to classify what kind of business you're spending at. For example, if you order from Zomato, it may show up under "restaurant" or "food delivery," depending on the MCC Zomato is tagged with.
Every time you swipe your card, the merchant’s MCC helps the system understand where you made a purchase: a retail store, airline, clinic, or online marketplace.
The shop or merchant doesn’t choose these codes; they’re assigned by the payment processor based on the main type of service the business offers.
Why you need to know the merchant category code?
These codes aren’t just technical; they affect you, too. The MCC code of your transaction will decide how your card issuer treats a transaction, whether you earn rewards, among other things, such as:
- Transaction costs. Networks use merchant category codes to ascertain the interchange/processing fee on a transaction.
- Credit card rewards. All your reward points are determined (and calculated) based on the MCC code of the purchase or spend.
- Milestone benefits. Some cards offer bonuses if you spend in specific categories (like travel or dining), and MCC decides what counts.
- Budget & expense tracking. Apps and banks use MCCs to group your spending, and the correct MCC helps you budget accurately.
Wrong MCC code can cost you thousands, if not more, especially in case of high-ticket spends. A user on Reddit shared his experience of losing rewards + extra fee due to wrong MCC code.
Got charged 1% extra on my HDFC Tata Neu Infinity card while buying a car... tagged as “fuel transaction” 😑
byu/Apprehensive_Half147 inCreditCardsIndia
Pro Tip: Always Test the MCC Before Large Spending
Before paying a large amount:
- Try swiping ₹100–₹200 first and seeing the MCC on your statement.
- Check the MCC by calling your bank or checking your card app (IDFC First app shows MCC directly).
- Only proceed if the MCC matches the expected category.
Complete list of Merchant Category Codes (MCC) in India
It took me time to find some of the most useful codes for everyday spends in India. Based on my research and public sources, I've categorized this MCC code list as below:
MCC for Indian Stores, Merchants, Service Providers & Marketplaces
In India, platforms like Amazon, Flipkart, Paytm, Swiggy, etc. use different MCCs. Some transactions may tagged as retail, others as utilities, and a few as wallet top-ups, which can make or break rewards.
Here is an updated MCC list that we found on a forum to help you calculate reward rates.
MCC | Merchant Name | Merchant Category |
9399 | A P Tourism | Government Services (Not Elsewhere Classified) |
9399 | Aadhaar Card (UIDAI) | Government Services (Not Elsewhere Classified) |
4131 | Abhibus | Bus Lines, Including Charters, Tour Buses |
4722 | AdaniOne | Travel Agencies and Tour Operations |
6300 | Aditya Birla Sunlife, Mumbai | Insurance Sales, Underwriting, and Premiums |
6540 | Aeronpay | Debit Card to wallet Credit |
4900 | Aeronpay | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
7011 | Agoda | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) |
4511 | Air Asia | Airlines, Air Carriers (not listed elsewhere) |
3020 | Air India | AIR-INDIA |
4722 | Airbnb | Travel Agencies and Tour Operations |
7011 | Airbnb | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) |
4814 | Airtel | Telecommunication Services |
4900 | Airtel | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Airtel | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5733 | Airtel | Music Stores, Musical Instruments, Piano Sheet Music |
5651 | Ajio | Family Clothing Stores |
5699 | Ajio | Miscellaneous Apparel and Accessory Shops |
5964 | Ali Express | Direct Marketing – Catalog Merchant |
4900 | Amazon | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5399 | Amazon | Misc. General Merchandise |
5399 | Amazon | Misc. General Merchandise |
5411 | Amazon | Grocery Stores, Supermarkets |
5699 | Amazon | Miscellaneous Apparel and Accessory Shops |
6540 | Amazon | Debit Card to wallet Credit |
6540 | Amazon | Debit Card to wallet Credit |
6540 | Amazon | Debit Card to wallet Credit |
6540 | Amazon | Debit Card to wallet Credit |
5947 | Amazon | Card Shops, Gift, Novelty, and Souvenir Shops |
7399 | Amazon Web Services (AWS) | Business Services, Not Elsewhere Classified |
5451 | Amul Shop | Dairy Products Stores |
5411 | Amul Shop | Grocery Stores, Supermarkets |
6540 | Anq | Debit Card to wallet Credit |
8099 | Apollo | Medical Services and Health Practitioners (Not Elsewhere Classified) |
5732 | Apple | Electronic Sales |
5735 | Apple Music | Record Shops |
4814 | Axis | Telecommunication Services |
6300 | Axis CC Bill Pay | Insurance Sales, Underwriting, and Premiums |
4900 | Bajaj Finserv | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Bajaj Finserv | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5311 | Bajaj Finserv | Department Stores |
5999 | Bajaj Finserv | Miscellaneous and Specialty Retail Stores |
7399 | Bajaj Finserv | Business Services, Not Elsewhere Classified |
7399 | Bajaj Finserv | Business Services, Not Elsewhere Classified |
6012 | Bajaj Finserv | Financial Institutions – Merchandise and Services |
5812 | Baskin Robbins | Eating places and Restaurants |
5661 | Bata | Shoe Stores |
5621 | Bebe | Women’s Ready-to-Wear Stores |
5411 | BigBasket | Grocery Stores, Supermarkets |
5411 | Blinkit | Grocery Stores, Supermarkets |
6540 | Blinkit | Debit Card to wallet Credit |
5732 | Blinkit | Electronic Sales |
7011 | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) | |
7832 | BookMyShow | Motion Picture Theaters |
7832 | BookMyShow | Motion Picture Theaters |
4900 | BSNL (App) | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5814 | Burger King | Fast Food Restaurants |
5311 | Canara Setu | Department Stores |
6012 | Canara Setu | Financial Institutions – Merchandise and Services |
4722 | Cathay Pacific | Travel Agencies and Tour Operations |
7399 | Cheq | Business Services, Not Elsewhere Classified |
7832 | Cinepolis India | Motion Picture Theaters |
4131 | ClearTrip | Bus Lines, Including Charters, Tour Buses |
7011 | ClearTrip | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) |
5948 | Coach UK | Leather Goods Stores |
5812 | Costa Coffee | Eating places and Restaurants |
6540 | Coupl App | Debit Card to wallet Credit |
5499 | Cultfit | Misc. Food Stores – Convenience Stores and Specialty Markets |
5655 | Decathlon | Sports Apparel, Riding Apparel Stores |
5399 | Dhani | Misc. General Merchandise |
5734 | Discord | Computer Software Stores |
5812 | District by Zomato | Eating places and Restaurants |
5411 | Dmart | Grocery Stores, Supermarkets |
5311 | Dmart | Department Stores |
5499 | Domino's | Misc. Food Stores – Convenience Stores and Specialty Markets |
5734 | Dropbox | Computer Software Stores |
5968 | Easebuzz | Direct Marketing – Continuity/Subscription Merchant |
8299 | EaseMyDeal | Schools and Educational Services (Not Elsewhere Classified) |
8220 | EaseMyDeal | Colleges, Junior Colleges, Universities, and ProfessionalSchools |
5499 | EatSure | Misc. Food Stores – Convenience Stores and Specialty Markets |
5811 | EatSure | Caterers |
5812 | Eazydiner | Eating places and Restaurants |
5013 | Ebixcash | Motor vehicle supplies and new parts |
5944 | Ethos Watches | Watch, Clock, Jewelry, and Silverware Stores |
5811 | Faasos | Caterers |
7311 | Facebook Ads | Advertising Services |
5817 | FC.ONE | Digital Goods: Applications (Excludes Games) |
6540 | Fino Paymen Thane,Thane | Debit Card to wallet Credit |
5641 | FirstCry | Children’s and Infant’s Wear Stores |
4900 | Flipkart | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5411 | Flipkart | Grocery Stores, Supermarkets |
5399 | Flipkart | Misc. General Merchandise |
6012 | Flipkart | Financial Institutions – Merchandise and Services |
4814 | Freecharge | Telecommunication Services |
4900 | Freecharge | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Freecharge | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
6513 | Freecharge | Real Estate Agents and Managers - Rentals |
8211 | Freecharge | Elementary and Secondary Schools |
4900 | Freecharge | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Freecharge | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Gbcash | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4722 | GetYourGuide | Travel Agencies and Tour Operations |
5045 | Gim Info Solutions Privat,Raipur | Computers, Computer Peripheral Equipment, Software |
5262 | Giverly Wallet | Online marketplaces |
4722 | Goibibo | Travel Agencies and Tour Operations |
7399 | Google Ads | Business Services, Not Elsewhere Classified |
5968 | Google Drive | Direct Marketing – Continuity/Subscription Merchant |
5816 | Google Play | Digital Goods: Games |
6540 | Gosats | Debit Card to wallet Credit |
5947 | Gyftr | Card Shops, Gift, Novelty, and Souvenir Shops |
5699 | H&M | Miscellaneous Apparel and Accessory Shops |
6513 | HDFC Bill Pay | Real Estate Agents and Managers - Rentals |
4722 | Headout | Travel Agencies and Tour Operations |
8299 | Housingedu,Gurgaon | Schools and Educational Services (Not Elsewhere Classified) |
5541 | HP Pay App | Service Stations (with or without ancillary services) |
5817 | Hubble | Digital Goods: Applications (Excludes Games) |
5331 | IGP | Variety Stores |
5712 | Ikea | Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances |
4511 | Indigo | Airlines, Air Carriers (not listed elsewhere) |
4722 | Indigo Hotels | Travel Agencies and Tour Operations |
4900 | Inditab,Delhi | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
6300 | INDMoney | Insurance Sales, Underwriting, and Premiums |
7399 | Innopay App | Business Services, Not Elsewhere Classified |
4511 | Intermiles | Airlines, Air Carriers (not listed elsewhere) |
4722 | Intermiles | Travel Agencies and Tour Operations |
4814 | Investkraft | Telecommunication Services |
4112 | IRCTC | Passenger Railways |
4722 | iVenture Card | Travel Agencies and Tour Operations |
4722 | ixigo | Travel Agencies and Tour Operations |
7011 | ixigo | Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) |
4814 | Jio | Telecommunication Services |
4900 | Jio | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
6540 | Jio Finance | Debit Card to wallet Credit |
5499 | Jiomart | Misc. Food Stores – Convenience Stores and Specialty Markets |
5046 | JSB Wellness | Commercial Equipment, Not Elsewhere Classified |
7311 | Justdial | Advertising Services |
4722 | Klook Travel | Travel Agencies and Tour Operations |
5094 | Kushals | Precious Stones and Metals, Watches and Jewelry |
5732 | Lenovo | Electronic Sales |
8043 | Lenskart | Opticians, Opticians Goods and Eyeglasses |
6300 | LIC India | Insurance Sales, Underwriting, and Premiums |
5047 | LIKHITHA DIAGNOSTICS | Medical, Dental Ophthalmic, Hospital Equipment and Supplies |
7399 | Business Services, Not Elsewhere Classified | |
4900 | Livquik Technology Ind | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
7399 | Loylty Rewardz Mgt Pvt,Mumbai | Business Services, Not Elsewhere Classified |
5699 | M&S | Miscellaneous Apparel and Accessory Shops |
5977 | Macaroon | Cosmetic Stores |
5947 | Magicpin | Card Shops, Gift, Novelty, and Souvenir Shops |
5499 | Magicpin | Misc. Food Stores – Convenience Stores and Specialty Markets |
5947 | Magicpin | Card Shops, Gift, Novelty, and Souvenir Shops |
5399 | Magzter | Misc. General Merchandise |
4722 | MakeMyTrip | Travel Agencies and Tour Operations |
5399 | Maximize Money | Misc. General Merchandise |
5814 | McDonald's | Fast Food Restaurants |
7298 | Medplus | Health and Beauty Shops |
5310 | Meesho | Discount Stores |
5816 | Microsoft Office 365 | Digital Goods: Games |
5411 | Milkbasket | Grocery Stores, Supermarkets |
4900 | Mobikwik | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | Mobikwik | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
6540 | Mobikwik | Debit Card to wallet Credit |
6540 | Mobikwik | Debit Card to wallet Credit |
6540 | Mobikwik | Debit Card to wallet Credit |
6540 | Mobikwik | Debit Card to wallet Credit |
5499 | Mojo Pizza | Misc. Food Stores – Convenience Stores and Specialty Markets |
5411 | Mr DIY | Grocery Stores, Supermarkets |
5122 | MrMed | Drugs, Drug Proprietors, and Druggist’s Sundries |
5699 | Myntra | Miscellaneous Apparel and Accessory Shops |
4899 | Netflix | Cable and other pay television (previously Cable Services) |
4816 | Netplus Broadband | Computer Network Services |
4816 | Netplus Broadband | Computer Network Services |
5691 | NNNow Store | Men’s and Women’s Clothing Stores |
5977 | Nykaa | Cosmetic Stores |
4121 | Olacabs | Taxicabs and Limousines |
4121 | Olacabs | Taxicabs and Limousines |
4814 | Ongo | Telecommunication Services |
5499 | Otipy | Misc. Food Stores – Convenience Stores and Specialty Markets |
4784 | Parkplus | Toll and Bridge Fees |
4784 | Parkplus | Toll and Bridge Fees |
4900 | Paulpay | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5699 | Paytm | Miscellaneous Apparel and Accessory Shops |
8999 | Paytm Insider | Professional Services (Not Elsewhere Defined) |
4722 | PAYU PA*PAYU PAYMENTS | Travel Agencies and Tour Operations |
6012 | PayUp*yesbank | Financial Institutions – Merchandise and Services |
6540 | Payzapp Wallet | Debit Card to wallet Credit |
5411 | Pharmeasy | Grocery Stores, Supermarkets |
6540 | PhonePe | Debit Card to wallet Credit |
9399 | PhonePe | Government Services (Not Elsewhere Classified) |
4814 | PhonePe | Telecommunication Services |
5947 | Pineperks | Card Shops, Gift, Novelty, and Souvenir Shops |
7832 | Purple Parrots Entertainment | Motion Picture Theaters |
7832 | PVR | Motion Picture Theaters |
5411 | Ratandeep Online | Grocery Stores, Supermarkets |
4814 | Recharge Cc,Mumbai | Telecommunication Services |
5944 | Reliance Digital | Watch, Clock, Jewelry, and Silverware Stores |
5814 | Sailors Cafe | Fast Food Restaurants |
4121 | Savaari Cabs | Taxicabs and Limousines |
4900 | Sbi Card | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4900 | SBI Unipay | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4722 | Scoot Airline | Travel Agencies and Tour Operations |
6540 | Slice App | Debit Card to wallet Credit |
4900 | SNAPAY | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
5815 | Spotify | Digital Goods: Media, Books, Movies, Music |
5816 | STAN App | Digital Goods: Games |
8299 | STAN App | Schools and Educational Services (Not Elsewhere Classified) |
5965 | Steam | Direct Marketing – Catalog and Catalog and Retail Merchant |
5816 | Steam | Digital Goods: Games |
5399 | Superdry .in | Misc. General Merchandise |
5411 | SuperPe | Grocery Stores, Supermarkets |
5411 | Sweet Karam Coffee | Grocery Stores, Supermarkets |
5814 | Swiggy | Fast Food Restaurants |
5499 | Swiggy | Misc. Food Stores – Convenience Stores and Specialty Markets |
5812 | Swiggy | Eating places and Restaurants |
5814 | SWIGGY INSTAMART | Fast Food Restaurants |
7311 | Tata Neu | Advertising Services |
5411 | Tata StarQuick | Grocery Stores, Supermarkets |
5949 | The House Of Textiles | Sewing, Needle, Fabric, and Price Goods Stores |
5817 | Tide App | Digital Goods: Applications (Excludes Games) |
5977 | Tira | Cosmetic Stores |
8043 | Tita Eye+ | Opticians, Opticians Goods and Eyeglasses |
8043 | Tita Eye+ | Opticians, Opticians Goods and Eyeglasses |
6540 | Triotech Solutions | Debit Card to wallet Credit |
6540 | True Balance App | Debit Card to wallet Credit |
7512 | Uber | Car Rental Companies (Not Listed Below) |
5651 | Uniqlo | Family Clothing Stores |
7349 | Urban Company | Cleaning and Maintenance, Janitorial Services |
5816 | Valorant (Game) | Digital Goods: Games |
5661 | Veg Nonveg Store | Shoe Stores |
4900 | Vi | Utilities-Electric/Gas/Heating Oil/Sanitary/Water |
4722 | Yatra | Travel Agencies and Tour Operations |
5699 | Zara | Miscellaneous Apparel and Accessory Shops |
5413 | Zavo | Credit Card Bill Payments |
5411 | Zepto | Grocery Stores, Supermarkets |
5499 | ZindagiStevia | Misc. Food Stores – Convenience Stores and Specialty Markets |
5310 | Zingoy | Discount Stores |
5411 | Zomato | Grocery Stores, Supermarkets |
7512 | Zoomcars | Car Rental Companies (Not Listed Below) |
5311 | Zudio | Department Stores |
Source: Technofino Forum
Merchant category codes for airlines
Flight bookings fall under different MCCs based on the airline carrier. The MCC code will affect your cashback, travel insurance eligibility, and milestone spends.
Here’s a comprehensive MCC list for all airlines:
MCC | Airline Carrier |
3000 | United Airlines |
3001 | American Airlines |
3002 | Pan American |
3003 | Eurofly |
3004 | Dragon Airlines |
3005 | British Airways |
3006 | Japan Air Lines |
3007 | Air France |
3008 | Lufthansa German Airlines |
3009 | Air Canada |
3010 | Royal Dutch Airlines (KLM Airlines) |
3011 | Aeroflot |
3012 | Qantas |
3013 | Alitalia |
3014 | Saudi Arabian Airlines |
3015 | Swiss International Air Lines |
3016 | Scandinavian Airline System (SAS) |
3017 | South African Airways |
3018 | Varig |
3019 | Germanwings |
3020 | Air India |
3021 | Air Algerie |
3022 | Philippine Airlines |
3023 | Mexicana |
3024 | Pakistan International |
3025 | Air New Zealand Ltd. International |
3026 | Emirates Airlines |
3027 | Union De Transports Aeriens (UTA/interair) |
3028 | Air Malta |
3029 | SN Brussels Airlines |
3030 | Aerolineas Argentinas |
3031 | Olympic Airways |
3032 | El Al |
3033 | Ansett Airlines |
3034 | Etihadair |
3035 | TAP Air Portugal (TAP) |
3036 | Viacao Aerea Sao Pãulo (VASP) |
3037 | Egyptair |
3038 | Kuwait Airways |
3039 | Avianca |
3040 | Gulf Air (Bahrain) |
3041 | Balkan-Bulgarian Airlines |
3042 | Finnair |
3043 | Aer Lingus |
3044 | Air Lanka |
3045 | Nigeria Airways |
3046 | Cruzeiro Do Sul |
3047 | Turk Hava Yollari |
3048 | Royal Air Maroc |
3049 | Tunis Air |
3050 | Icelandair |
3051 | Austrian Airlines |
3052 | LAN Airlines |
3053 | Aviacion Y Comercio (AVIACO) |
3054 | Linea Aerea Del Cobre (LADECO) |
3055 | Lloyd Aero Boliviano (LAB) |
3056 | Jet Airways |
3057 | Virgin America |
3058 | Delta |
3059 | DBA Airline |
3061 | Continental |
3062 | Hapag-Lloyd Express |
3063 | US Airways |
3064 | Adria Airways |
3065 | Airinter |
3066 | Southwest Airlines |
3067 | Vanguard Airlines |
3068 | Air Astana |
3069 | Sun Country Airlines |
3071 | Air British Columbia |
3072 | Cebu Pacific Airlines |
3075 | Singapore Airlines |
3076 | Aeromexico |
3077 | Thai Airways |
3078 | China Airlines |
3079 | Jetstar Airways |
3082 | Korean Airlines |
3083 | Air Afrique |
3084 | Eva Airways |
3085 | Midwest Express Airlines |
3086 | Carnival Airlines |
3087 | Metro Airlines |
3088 | Croatia Air |
3089 | Transaero |
3090 | Uni Airways Corporation |
3094 | Zambia Airways |
3096 | Air Zimbabwe Corp |
3097 | Spanair |
3098 | Asiana Airlines |
3099 | Cathay Pacific |
3100 | Malaysian Airline System |
3102 | Iberia |
3103 | Garuda |
3106 | Braathens S.A.F.E. |
3110 | Wings Airways |
3111 | British Midland |
3112 | Windward Island |
3115 | Tower Air |
3117 | Venezolana International De Aviacion |
3118 | Valley Airlines |
3125 | Tan Sahsa |
3126 | Talair PTY Ltd. |
3127 | Taca International |
3129 | Surinam Airways |
3130 | Sunworld International |
3131 | VLM Airlines |
3132 | Frontier Airlines |
3133 | Sunbelt Airlines |
3135 | Sudan Airways |
3136 | Qatar Airways |
3137 | Singleton |
3138 | Simmons Airlines |
3143 | Scenic Airlines |
3144 | Virgin Atlantic |
3145 | San Juan |
3146 | Luxair |
3148 | Air Littoral S.A. |
3151 | Air Zaire |
3154 | Princeville |
3156 | Go Fly Ltd. |
3159 | Provincetown-Boston Airways |
3161 | All Nipon Airways |
3164 | Norontair |
3165 | New York Helicopter |
3167 | Aero Continente |
3170 | Mount Cook |
3171 | Canadian Airlines International |
3172 | Nationair |
3174 | Jetblue Airways |
3175 | Middle East Air |
3176 | Metroflight Airlines |
3177 | AirTran Airways |
3178 | Mesa Air |
3180 | Westjet Airlines |
3181 | Malev |
3182 | LOT (Polish Airlines) |
3183 | Oman Air |
3184 | LIAT |
3185 | Linea Aeropostal Venezolana (LAV) |
3186 | Lineas Aereas Paraguayas (LAP) |
3187 | LACSA (Costa Rica) |
3188 | Virgin Express |
3190 | Jugoslav Air |
3191 | Island Airlines |
3193 | Indian Airlines |
3196 | Hawaiian Air |
3197 | Havasu Airlines |
3200 | Guyana Airways |
3203 | Golden Pacific Air |
3204 | Freedom Airlines |
3206 | China Eastern Airlines |
3211 | Norwegian Air Shuttle |
3212 | Dominicana De Aviacion |
3213 | Malmo Aviation |
3215 | Dan Air Services |
3216 | Cumberland Airlines |
3217 | Ceskoslovenske Aerolinie (CSA) |
3218 | Crown Air |
3219 | Compania Panamena De Aviacion (COPA) |
3220 | Compania Faucett |
3221 | Transportes Aeros Militares |
3222 | Command Airways |
3223 | Comair |
3226 | Skyways |
3228 | Cayman Airways |
3229 | SAETA (Sociedad Ecuatorianos De Transportes Aereos) |
3231 | SAHSA (Servicio Aero De Honduras) |
3233 | Capitol Air |
3234 | Caribbean Airlines |
3235 | Brockway Air |
3236 | Air Arabia Airline |
3238 | Bemidji Aviation |
3239 | Bar Harbor Airlines |
3240 | Bahamasair |
3241 | Aviateca |
3242 | Avensa |
3243 | Austrian Air Service |
3245 | Easyjet Air |
3246 | Ryanair |
3247 | Gol Airlines |
3248 | Tam Airlines |
3251 | Aloha Airlines |
3252 | Antilean Airlines (ALM) |
3253 | America West |
3254 | U.S. Air Shuttle |
3256 | Alaska Airlines Inc. |
3259 | American Trans Air |
3260 | Spirit Airlines |
3261 | Air China |
3262 | Reno Air |
3263 | Aero Servicio Carabobo |
3266 | Air Seychelles |
3267 | Air Panama International |
3280 | Air Jamaica |
3281 | Air Djibouti |
3282 | Air Djibouti |
3284 | Aero Virgin Islands |
3285 | Aero Peru |
3286 | Aero Nicaraguensis |
3287 | Aero Coach Aviation |
3292 | Cyprus Airways |
3293 | Ecuatoriana |
3294 | Ethiopian Airlines |
3295 | Kenya Airways |
3296 | Air Berlin |
3297 | Tarom Romanian Air Transport |
3298 | Air Mauritius |
3299 | Wideroes Flyveselskap |
Merchant category codes for hotels
Hotel stays, online bookings, or resort charges are classified under specific MCCs. However, some OTAs may not pass on the “hotel” MCC, which means you might miss out on travel-related card benefits. Here's a list for you to check:
MCC | Description |
3501 | Marriott Hotels |
3502 | Best Western Hotels |
3503 | MGM Grand Hotels |
3504 | Hotel Inter-Continental |
3505 | Inter Nor Hotels |
3506 | Rodeway Inns |
3507 | Howard Johnson |
3508 | Regent International Hotels |
3509 | Hilton Hotels |
3510 | Forte Hotels |
3511 | Golden Tulip Hotels |
3512 | Sheraton Hotels |
3513 | Steigenberger Hotels |
3514 | Hyatt Hotels |
3515 | Sofitel Hotels |
3516 | Novotel Hotels |
3517 | Hotel Ibis |
3518 | Meridien Hotels |
3519 | Jolly Hotels |
3520 | Tokyo Hotel Chain |
3521 | Metropole Hotels |
3522 | Pez Espada Hotels |
3523 | Four Seasons Hotels |
3524 | Ciga Hotels |
3525 | Shangri-La International |
3526 | Hilton International |
3527 | Hotels Melia |
3528 | Interhotel Cedok |
3529 | Auberge Des Gouverneurs |
3530 | Regal 8 Inns |
3531 | Mirage Hotel and Casino |
3532 | Grecotel Hotels |
3533 | Helmsley Hotels |
3534 | Dorint Hotels |
3535 | Fairmont Hotels |
3536 | Sonesta Hotels |
3537 | Omni International |
3538 | Cunard Hotels |
3539 | Hospitality International |
3540 | Cumulus Hotels |
3541 | Doubletree Hotels |
3542 | Rico Hotels |
3543 | Radisson Hotels |
3544 | Princess Hotels International |
3545 | Hungar Hotels |
3546 | Sokos Hotels |
3547 | Doral Hotels |
3548 | Helmsley Hotels |
3549 | Meridien Hotels |
3550 | Walt Disney Hotels |
3551 | Econo Lodges |
3552 | Husa Hotels |
3553 | Peabody Hotels |
3554 | Stakis Hotels |
3555 | Relax Inns |
3556 | Swissotel |
3557 | Reso Hotels |
3558 | Days Inn |
3559 | Arabia Hotels |
3560 | Fairmont Hotels |
3561 | Motel 6 |
3562 | La Quinta Motor Inns |
3563 | Americana Hotels |
3564 | Sol Hotels |
3565 | Pullman International Hotels |
3566 | Canada Imperial Hotels |
3567 | Sweden Hotels |
3568 | Sara Hotels |
3569 | Adams Mark Hotels |
3570 | Tokyo Shinjuku Prince Hotels |
3571 | Bermuda Hotels |
3572 | Barton Hotels |
3573 | Viking Hotels |
3574 | JAL Hotels |
3575 | Miyako Hotels |
3576 | Sandman Hotels |
3577 | Venture Inn |
3578 | Vagabond Hotels |
3579 | La Quinta Resort |
3580 | Americana Lake Geneva Resort |
3581 | Inter Nor Hotels |
3582 | Seaboard Hotels |
3583 | Park Inns International |
3584 | Pinehurst Resort |
3585 | Treasure Island Resort |
3586 | Barton Springs Resort |
3587 | Manhattan East Suite Hotels |
3588 | Jolly Hotels |
3589 | Candlewood Suites |
3590 | Aladdin Resort and Casino |
3591 | Golden Nugget |
3592 | Comfort Inns |
3593 | Journey's End Motels |
3594 | Sam's Town Hotel and Casino |
3595 | Relax Hotels |
3596 | Garden Place Suites |
3597 | Soho Grand Hotels |
3598 | Ladbroke Hotels |
3599 | Tribeca Grand Hotels |
3600 | Grand Hotel |
3601 | Soho Grand Hotel |
3602 | Dan Hotels |
3603 | Helmsley Hotels |
3604 | Dorint Hotels |
3605 | Lady Luck Hotel and Casino |
3606 | Hotel Universale |
3607 | Prince Hotels |
3608 | Peninsula Hotels |
3609 | Welcomgroup Hotels |
3610 | Dunfey Hotels |
3611 | Langham Hotels |
3612 | Langham International Hotels |
3613 | Hotels Melia |
3614 | Ona Hotels |
3615 | Cosmopolitan Resort and Casino |
3616 | Meridien Hotels |
3617 | Sahara Hotel and Casino |
3618 | Bradbury Suites |
3619 | Diwan Hotels |
3620 | Riverside Resort and Casino |
3621 | Regent Hotels |
3622 | Saddlebrook Resort Tampa |
3623 | Trade Winds Resorts |
3624 | Crown Sterling Suites |
3625 | Homewood Suites |
3626 | Peabody Hotels |
3627 | Colorado Belle/Edgewater Resort |
3628 | Riviera Hotel and Casino |
3629 | Circus Circus Hotel and Casino |
3630 | Luxor Hotel and Casino |
3631 | Excalibur Hotel and Casino |
3632 | Hotels Melia |
3633 | MGM Grand Hotels |
3634 | Grand Casinos |
3635 | Crest Hotels |
3636 | Circus Circus Hotel and Casino |
3637 | Caesars Hotel and Casino |
3638 | Conrad Hotels |
3639 | Bally's Hotel and Casino |
3640 | Ritz Carlton Hotels |
3641 | Swissotel |
3642 | Novotel Hotels |
3643 | Royal Hotels |
3644 | Four Seasons Hotels |
3645 | Clifton Hotels |
3646 | Taj Hotels International |
3647 | Econolodge |
3648 | Colorado Belle/Edgewater Resort |
3649 | Imperial London Hotels |
3650 | Embassy Hotels |
3651 | Penta Hotels |
3652 | Loews Hotels |
3653 | Scandic Hotels |
3654 | Sara Hotels |
3655 | Oberoi Hotels |
3656 | New Otani Hotels |
3657 | Meridien Hotels |
3658 | Setar Hotels |
3659 | Forte Hotels |
3660 | Regent International Hotels |
3661 | MGM Grand Hotels |
3662 | Metropole Hotels |
3663 | Circus Circus Hotel and Casino |
3664 | Radisson Hotels |
3665 | Maritim Hotels |
3666 | Doubletree Hotels |
3667 | Tokyo Hotel Chain |
3668 | Otani Hotels |
3669 | Gaylord Hotels |
3670 | Hospitality Inns |
3671 | Alps Hotel |
3672 | Swissotel |
3673 | Resorts International |
3674 | Downtown Athletic Club |
3675 | Tyee Hotel |
3676 | Shangri-La International |
3677 | Hotels Melia |
3678 | Auberge Des Gouverneurs |
3679 | Regal 8 Inns |
3680 | Mirage Hotel and Casino |
3681 | Coast Hotels |
3682 | Park Inns International |
3683 | Pinehurst Resort |
3684 | Treasure Island Hotel and Casino |
3685 | Barton Springs Resort |
3686 | Manhattan East Suite Hotels |
3687 | Jolly Hotels |
3688 | Candlewood Suites |
3689 | Aladdin Resort and Casino |
3690 | Golden Nugget |
3691 | Comfort Inns |
3692 | Journey's End Motels |
3693 | Sam's Town Hotel and Casino |
3694 | Relax Hotels |
3695 | Garden Place Suites |
3696 | Soho Grand Hotels |
3697 | Ladbroke Hotels |
3698 | Tribeca Grand Hotels |
3699 | Grand Hotel |
3700 | Soho Grand Hotel |
3701 | Dan Hotels |
3702 | Helmsley Hotels |
3703 | Dorint Hotels |
3704 | Lady Luck Hotel and Casino |
3705 | Hotel Universale |
3706 | Prince Hotels |
3707 | Peninsula Hotels |
3708 | Welcomgroup Hotels |
3709 | Dunfey Hotels |
3710 | Langham Hotels |
3711 | Langham International Hotels |
3712 | Hotels Melia |
3713 | Ona Hotels |
3714 | Cosmopolitan Resort and Casino |
3715 | Meridien Hotels |
3716 | Sahara Hotel and Casino |
3717 | Bradbury Suites |
3718 | Diwan Hotels |
3719 | Riverside Resort and Casino |
3720 | Regent Hotels |
3721 | Saddlebrook Resort Tampa |
3722 | Trade Winds Resorts |
3723 | Crown Sterling Suites |
3724 | Homewood Suites |
3725 | Peabody Hotels |
3726 | Colorado Belle/Edgewater Resort |
3727 | Riviera Hotel and Casino |
3728 | Circus Circus Hotel and Casino |
3729 | Luxor Hotel and Casino |
3730 | Excalibur Hotel and Casino |
3731 | Hotels Melia |
3732 | MGM Grand Hotels |
3733 | Grand Casinos |
3734 | Crest Hotels |
3735 | Circus Circus Hotel and Casino |
3736 | Caesars Hotel and Casino |
3737 | Conrad Hotels |
3738 | Bally's Hotel and Casino |
3739 | Ritz Carlton Hotels |
3740 | Four Seasons Hotels |
3741 | Gaylord Hotels |
3742 | MGM Resorts International (general) |
3743 | Raffles Hotels |
3744 | Mandarin Oriental Hotels |
3745 | Hotel Nikko |
3746 | Campanile Hotels |
3747 | Shangri-La Hotels |
3748 | Meridien Hotels |
3749 | Tokyo Hotel Chain |
3750 | Sandals Resorts |
3751 | Town and Country Resorts |
3752 | Atlantis Resorts |
3753 | Taj Hotels |
3754 | InterContinental Hotels |
3755 | Peninsula Hotels |
3756 | ANA Hotels |
3757 | NO Hotels |
3758 | St Regis Hotels |
3759 | Husa Hotels |
3760 | Wyndham Hotels |
3761 | Rica Hotels |
3762 | Inter Nor Hotels |
3763 | Westin Hotels |
3764 | Best Western International |
3765 | Carlton Hotels |
3766 | Hilton Conrad |
3767 | Disney Resorts |
3768 | Patio Hotels |
3769 | Coast Hotels |
3770 | Mirage Resorts |
3771 | Carefree Resorts |
3772 | Steigenberger Hotels |
3773 | Radisson Blu Hotels |
3774 | Conrad Hotels |
3775 | Vintage Inns |
3776 | Disney Hotels |
3777 | Madeline Hotels |
3778 | Registry Hotels |
3779 | Grand Heritage Hotels |
3780 | Hanging Hotels |
3781 | Auberge Resorts |
3782 | Harvey/Bristol Hotels |
3783 | Quality Pacific Hotel |
3784 | Swissotel |
3785 | Reso Hotels |
3786 | Sarova Hotels |
3787 | Ramada Inns |
3788 | Ho Jo Inns |
3789 | Mount Charlotte Thistle |
3790 | Hyatt Hotels |
3791 | Sofitel Hotels |
3792 | Novotel Hotels |
3793 | Dan Hotels |
3794 | Dorint Hotels |
3795 | Hotel Mercure |
3796 | Hotel Ibis |
3797 | Southern Pacific Hotels |
3798 | Hilton International |
3799 | Amfac Hotels |
3800 | Eva Hotels |
3801 | Omni Hotels |
3802 | Anasazi Inns |
3803 | Ciga Hotels |
3804 | Karastase Hotels |
3805 | Nikko Hotels International |
3806 | Rockresorts |
3807 | Claudine Hotels |
3808 | Sealodge Hotels |
3809 | Royal Lahaina Resorts |
3810 | Sonesta Hotels |
3811 | Royale Hotels |
3812 | Sonesta International Hotels |
3813 | Princess Hotels International |
3814 | Downey Inns |
3815 | Thunderbay Hotels |
3816 | Atlantis Hotel Casinos |
3817 | Rodeway Inns International |
3818 | Henri Hotels |
3819 | Americana Hotels |
3820 | Sol Hotels |
3821 | Pullman International Hotels |
3822 | Meridien Hotels |
3823 | Crest Hotels |
3824 | Forum Hotels |
3825 | Royal Kona Resorts |
3826 | Tokyo Hotel Chain |
3827 | Tokyu Hotels |
3828 | Capitol International Hotels |
3829 | Embassy Suites |
3830 | Compri Hotels |
3831 | Husa Hotels |
3832 | Red Lion Hotels |
3833 | Tokyo Prince Hotels |
3834 | Hampton Inns |
3835 | Meurice Hotels |
3836 | Merlin Hotels |
3837 | Dorval Hotels |
3838 | Regal Hotels International |
3839 | Panama Hotels |
3840 | Excalibur Hotel Casino |
3841 | Circus Circus Hotel Casino |
3842 | Luxor Hotel Casino |
3843 | Excalibur Hotel Casino |
3844 | MGM Grand Hotel |
3845 | Helmsley Hotels |
3846 | Dorint Hotels |
3847 | Fairmont Hotels |
3848 | Sonesta Hotels |
3849 | Omni International |
3850 | Cunard Hotels |
3851 | Arizona Biltmore |
3852 | Alyeska Prince Hotel |
3853 | Raffles Hotels |
3854 | Ritz Carlton Hotels |
3855 | Hyatt International |
3856 | Sofitel Hotels |
3857 | Meridien Hotels |
3858 | Crest Hotels |
3859 | Four Seasons Hotels |
3860 | Carlton Hotels |
3861 | City Lodge Hotels |
3862 | Karos Hotels |
3863 | Protea Hotels |
3864 | Southern Sun Hotels |
3865 | Hilton Conrad |
3866 | Wyndham Hotels |
3867 | Rica Hotels |
3868 | Inter Nor Hotels |
3869 | Sea Pines Resorts |
3870 | Rio Suites |
3871 | Broadmoor Hotel |
3872 | Bally's Hotel Casino |
3873 | John Ascuaga's Nugget |
3874 | MGM Grand Hotel |
3875 | Harrah's Hotels and Casinos |
3876 | Opryland Hotel |
3877 | Boca Raton Resort |
3878 | Harvey/Bristol Hotels |
3879 | Masters Economy Inns |
3880 | Merlin Hotels |
3881 | Colorado Belle/Edgewater Resort |
3882 | Riviera Hotel Casino |
3883 | Tropicana Resort Casino |
3884 | Woodside Hotels Resorts |
3885 | Townplace Suites |
3886 | Millennium Hotels |
3887 | Club Med |
3888 | Biltmore Hotel Casino |
3889 | Carefree Resorts |
3890 | Stakis Hotels |
3891 | Luxury Hotels |
3892 | Cumulus Hotels |
3893 | Dan Hotels |
3894 | Dorint Hotels |
3895 | Tokyo Shinjuku Prince Hotels |
3896 | Las Vegas Hilton |
3897 | Peninsula Hotels |
3898 | Welcomgroup Hotels |
3899 | Dunfey Hotels |
3900 | Langham Hotels |
3901 | (General lodging, not specific) |
3999 | (General lodging, not specific) |
Merchant category codes for utility services
Bill payments for electricity, water, piped gas, postpaid, etc., are usually marked under utility MCCs. Many credit cards in India offer bonus cashback on these, but only if the code matches correctly.
Check out the MCC codes for utilities below before paying:
MCC | Description |
4812 | Telecommunication Equipment Including Telephone Sales |
4813 | Key-Entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry |
4814 | Telecommunication Services including but not limited to prepaid phone services and recurring phone services |
4816 | Computer Network/Information Services |
4821 | Telegraph Services |
4829 | Wire Transfer Money Orders (V, D, G, X) Money Transfer (M) |
4899 | Cable, Satellite, and Other Pay Television and Radio Services |
4900 | Utilities–Electric, Gas, Heating Oil, Sanitary, Water |
Merchant category codes for clothing stores
From specialty couture to your neighbourhood boutique, clothing stores are assigned retail fashion MCCs. These are often eligible for higher rewards during festive offers or brand-specific spends.
MCC | Description |
5611 | Men’s and Boys’ Clothing and Accessories Stores |
5621 | Women’s Ready to Wear Stores |
5631 | Women’s Accessory and Specialty Stores |
5641 | Children’s and Infants’ Wear Stores |
5651 | Family Clothing Stores |
5655 | Sports Apparel, and Riding Apparel Stores |
5661 | Shoe Stores |
5681 | Furriers and Fur Shops |
5691 | Men’s and Women’s Clothing Stores |
5697 | Alterations, Mending, Seamstresses, Tailors |
5698 | Wig and Toupee Shops |
5699 | Accessory and Apparel Stores–Miscellaneous |
Merchant category codes for retail outlets
General retail includes everything from supermarkets and electronics to stationery and hardware shops. But depending on the MCC, your spend could be treated as “grocery,” “general merchandise,” or “electronics.”
MCC | Description |
5013 | Motor Vehicle Supplies and New Parts |
5021 | Office and Commercial Furniture |
5039 | Construction Materials Not Elsewhere Classified |
5044 | Office, Photographic, Photocopy and Microfilm Equipment |
5045 | Computers, Computer Peripheral Equipment, Software |
5046 | Commercial Equipment Not Elsewhere Classified |
5047 | Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies |
5051 | Metal Service Centers and Offices |
5065 | Electrical Parts and Equipment |
5072 | Hardware Equipment and Supplies |
5074 | Plumbing and Heating Equipment |
5085 | Industrial Supplies Not Elsewhere Classified |
5094 | Precious Stones and Metals, Watches and Jewelry |
5099 | Durable Goods Not Elsewhere Classified |
5111 | Stationery, Office Supplies, Printing and Writing Paper |
5122 | Drugs, Drug Proprietors and Druggists Sundries |
5131 | Piece Goods, Notions, and Other Dry Goods |
5137 | Men’s, Women’s and Children’s Uniforms and Commercial Clothing |
5139 | Commercial Footware |
5169 | Chemicals and Allied Products Not Elsewhere Classified |
5172 | Petroleum and Petroleum Products |
5192 | Books, Periodicals and Newspapers |
5193 | Florists Supplies, Nursery Stock and Flowers |
5198 | Paints, Varnishes and Supplies |
5199 | Non-Durable Goods Not Elsewhere Classified |
5200 | Home Supply Warehouse Stores |
5211 | Building Materials, Lumber Stores |
5231 | Glass, Paint, Wallpaper Stores |
5251 | Hardware Stores |
5261 | Lawn and Garden Supply Stores |
5271 | Mobile Home Dealers |
5299 | Warehouse Club Gas |
5300 | Wholesale Clubs |
5309 | Duty Free Stores |
5310 | Discount Stores |
5311 | Department Stores |
5331 | Variety Stores |
5399 | Miscellaneous General Merchandise Stores |
5411 | Grocery Stores, Supermarkets |
5422 | Freezer and Locker Meat Provisioners |
5441 | Candy, Nut and Confectionery Stores |
5451 | Dairy Products Stores |
5462 | Bakeries |
5499 | Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines |
5511 | Automobile and Truck Dealers–Sales, Service, Repairs, Parts and Leasing |
5521 | Automobile and Truck Dealers–(Used Only)–Sales |
5532 | Automotive Tire Stores |
5533 | Automotive Parts and Accessories Stores |
5541 | Service Stations (With or Without Ancillary Services) |
5542 | Fuel Dispenser, Automated |
5551 | Boat Dealers |
5561 | Camper Dealers, Recreational and Utility Trailers |
5571 | Motorcycle Shops and Dealers |
5592 | Motor Home Dealers |
5598 | Snowmobile Dealers |
5599 | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers–Not Elsewhere Classified |
Merchant category codes for business services
Software tools, marketing agencies, domain providers, and even coworking spaces have unique MCCs. These are important for tax/compliance/expensing purposes, especially if you’re self-employed or running a business.
MCC | Description |
7311 | Advertising Services |
7321 | Consumer Credit Reporting Agencies |
7332 | Blueprinting and Photocopying Services |
7333 | Commercial Art, Graphics, Photography |
7338 | Quick Copy, Reproduction and Blueprinting Services |
7339 | Stenographic and Secretarial Support Services |
7342 | Exterminating and Disinfecting Services |
7349 | Cleaning and Maintenance, Janitorial Services |
7361 | Employment Agencies and Temporary Help Services |
7372 | Computer Programming, Data Processing and Integrated System Design Services |
7375 | Information Retrieval Services |
7379 | Computer Maintenance, Repair And Services–Not Elsewhere Classified |
7392 | Consulting, Management and Public Relations Services |
7393 | Detective Agencies, Protective Agencies, Security Services including Armored Cars, Guard Dogs |
7394 | Equipment Rental and Leasing Services, Furniture Rental, Tool Rental |
7395 | Photo Developing, Photofinishing Laboratories |
7399 | Business Services Not Elsewhere Classified |
7512 | Automobile Rental Agency–Not Elsewhere Classified |
7513 | Truck Rental |
7519 | Motor Home and Recreational Vehicle Rental |
7523 | Automobile Parking Lots and Garages |
7524 | Express Payment Service Merchants–Parking Lots and Garages |
7531 | Automotive Body Repair Shops |
7534 | Tire Retreading and Repair Shops |
7535 | Automotive Paint Shops |
7538 | Automotive Service Shops |
7542 | Car Washes |
7549 | Towing Services |
7622 | Electronic Repair Shops |
7623 | Air Conditioning and Refrigeration Repair Shops |
7629 | Appliance Repair Shops, Electrical and Small |
7631 | Clock, Jewelry and Watch Repair Shops |
7641 | Furniture–Reupholstery, Repair and Refinishing |
7692 | Welding Repair |
7699 | Miscellaneous Repair Shops and Related Services |
7800 | Government Owned Lottery |
7801 | Government-Licensed Casinos (Online or Internet Gambling) |
7802 | Government-Licensed Horse/Dog Racing |
7829 | Motion Picture and Video Tape Production and Distribution |
7832 | Motion Picture Theaters |
7833 | Express Payment Service — Motion Picture Theater |
7841 | DVD/Video Tape Rental Stores |
7911 | Dance Halls, Schools and Studios |
7922 | Theatrical Producers (Except Motion Pictures), Ticket Agencies |
7929 | Bands, Orchestras and Miscellaneous Entertainers–Not Elsewhere Classified |
7932 | Pool and Billiard Establishments |
7933 | Bowling Alleys |
7941 | Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters |
7991 | Tourist Attractions and Exhibits |
7992 | Golf Courses, Public |
7993 | Video Amusement Game Supplies |
7994 | Video Game Arcades and Establishments |
7995 | Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D) |
7996 | Amusement Parks, Carnivals, Circuses, Carnivals, Fortune Tellers |
7997 | Clubs–Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses |
7998 | Aquariums, Dolphinariums, Zoos and Seaquariums |
7999 | Recreation Services–Not Elsewhere Classified |
Merchant category codes for government services
Payments to government portals (like passport, PAN, property tax, traffic fines, etc.) are tagged separately. Some cards exclude these from rewards or charge extra fees, depending on the MCC.
MCC | Description |
9034 | I-Purchasing Pilot |
9211 | Court Costs Including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payments |
9399 | Government Services–Not Elsewhere Classified |
9401 | I-Purchasing Pilot |
9402 | Postal Services–Government Only |
9405 | Intra-Government Purchases–Government Only |
9700 | Automated Referral Service |
9701 | Visa Credential Server |
9702 | GCAS Emergency Services |
9751 | UK Supermarkets, Electronic Hot File |
9752 | UK Petrol Stations, Electronic Hot File |
9754 | Gambling-Horse, Dog Racing, State Lottery |
9950 | Intra-Company Purchases |
FAQs about Merchant category code in India
1. Where can I find the MCC code for a transaction?
You can check your credit card statement or call your bank’s customer care. Some apps like IDFC, HDFC MyCards, and SBI Card show MCC details directly from within the app.
2. Can I check MCC before making a payment?
Not always, but a smart trick is to do a ₹100 test transaction and call your bank to check the MCC before swiping for a significant amount. Or you can check your banking app for MCC list/portal.
3. Why didn’t I get rewards for my credit card spend?
Your transaction may be under an excluded MCC like fuel, wallet load, or govt payment, even if the merchant looks eligible. Please check with your bank directly for understanding the reward structure (and exclusions). such as Croma) may have different MCCs at different locations or when purchased online versus
5. Can two shops have the same name but different MCCs?
Yes. A single brand (such as Croma) may have different MCCs at different locations or when purchased online versus offline. Rewards depend on how the POS terminal is set up.
6. What MCC code does Amazon India use?
Amazon typically falls under general merchandise or retail, but this can vary if the transaction involves Amazon wallet load, subscription, etc. Check the table at the top for understanding your spend category.
7. Do wallet top-ups (like Paytm, PhonePe, or Google Pay) have an MCC?
Yes. But most wallet top-ups are tagged under excluded MCCs, meaning you won't get any credit card rewards.
9. Can I dispute a wrong MCC charge?
It’s hard, but you can try. If the merchant has been given a wrong MCC, you can contact your bank directly via an email to dispute the transaction with appropriate proof.
About the Author
Anmol
Anmol writes super targeted posts about availing credit card offers and getting maximum benefits.