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216 Active Cards • 236 Merchants • 44 MCC Codes

RewardRadar & MCC Lookup

Search any merchant (Amazon, Swiggy, Zomato, BigBasket, LIC) or 4-digit MCC code to see which credit card gives the highest effective return.

Point valuations & caps verified from official bank MITCs • Updated October 21, 2026

1-Click Spend Categories & Standard MCCs
Popular Indian Merchants

Category: • Ranked by net effective reward return

Simulate Spend:
Calculating net rewards across 216 cards...
Official MCC Reference

Indian Credit Card MCC (Merchant Category Code) Directory

Click any MCC row below to test which credit cards earn accelerated rewards in that category.

Reward rates & MCC rules sourced from official bank MITCs: HDFC, Axis, ICICI, SBI Card, Amex & Visa/Mastercard merchant classification schedules

Last updated: October 21, 2026