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
Category: • Ranked by net effective reward return
Click any MCC row below to test which credit cards earn accelerated rewards in that category.
Railroads — Freight and Passenger. Scheduled intercity and long-distance passenger train transportation, ticketing, and railway booking services.
Suburban and Local Commuter Passenger Transportation, including Ferries — Metro rail transit networks, suburban passenger trains, city bus transport, and local transit ferries.
Taxicabs, Limousines, and Ride-Sharing Services — App-based cab aggregators, auto-rickshaw hailing, city taxi fleets, and car rental ride services.
Motor Freight Carriers and Trucking — On-demand mini-truck logistics, city courier delivery, house shifting, and intra-city cargo transport.
Airlines and Air Carriers (Not Elsewhere Classified) — Scheduled and chartered passenger air transportation services, flight ticket bookings, baggage fees, and cabin upgrades.
Travel Agencies and Tour Operators — Online travel aggregators (OTAs) and booking agencies offering flights, hotels, holiday packages, and bus ticketing.
Telecommunication Services including Local and Long Distance Calls, Cellular, Mobile Recharges, and Broadband Services.
Cable, Satellite, and Other Pay Television and Radio Services — Direct-To-Home (DTH) satellite television subscription and recharge services.
Utilities — Electric, Gas, Sanitary, and Water. Generation, transmission, and billing services for electricity, piped natural gas, water supply, and municipal utility bills.
Precious Stones and Metals, Watches and Jewelry — Wholesale distributors, bullion merchants, raw gold & silver bars, and precious gems trade.
Lumber and Other Building Materials Stores — Retail building materials, architectural coatings, wall paints, varnishes, and home renovation supplies.
Discount Stores and Wholesale Clubs — Large format cash-and-carry wholesale clubs, bulk discount marts, and commercial supply outlets.
Department Stores — Multi-department retail stores offering broad selections of apparel, footwear, cosmetics, home furnishings, accessories, and gifts.
Miscellaneous General Merchandise Stores — Multi-category online and offline retail marketplaces selling consumer goods, apparel, home essentials, and general products.
Grocery Stores, Supermarkets, and Hypermarkets — Retailers selling food, fresh produce, household essentials, packaged groceries, and daily dairy products.
Bakeries — Retail bakery shops specializing in artisan breads, cakes, pastries, cookies, and handcrafted confections.
Service Stations (with or without Ancillary Services) — Retail fuel stations dispensing petrol, diesel, CNG, auto LPG, and on-station convenience items.
Automated Fuel Dispensers (AFD) — Unmanned, card-activated, automated fuel dispensing terminals and pay-at-pump stations at petrol bunks.
Family Clothing Stores — Retail stores selling apparel, garments, readymade fashion wear, ethnic apparel, and everyday attire for men, women, and children.
Shoe Stores — Retail specialty footwear stores offering leather shoes, sneakers, sandals, formal footwear, and shoe accessories.
Furniture, Home Furnishings, and Equipment Stores, Except Appliances — Retail furniture stores, mattresses, home decor, bed linen, and home accessories.
Electronic Sales / Consumer Electronics Stores — Retail stores selling computers, smartphones, televisions, laptops, home entertainment, and audio equipment.
Eating Places and Restaurants — Establishments primarily engaged in preparing and serving food and beverages for on-premises dining, table-service meals, and online food ordering.
Fast Food Restaurants & Quick Service Dining — Fast-casual restaurants, drive-throughs, self-service food outlets, coffee shops, and quick snack counters.
Digital Goods — Media, Books, Movies, Music. Online digital audio streaming, video-on-demand subscriptions, digital books, and multimedia content.
Digital Goods — Games. Electronic interactive gaming downloads, gaming platform subscriptions, and in-game digital content purchases.
Drug Stores and Pharmacies — Licensed pharmacies selling prescription drugs, over-the-counter medications, health supplements, and medical devices.
Sporting Goods Stores — Specialty retail stores selling sports gear, fitness equipment, outdoor equipment, athletic footwear, and activewear.
Book Stores — Commercial retail and online bookstores selling trade books, educational texts, stationery, and publications.
Jewelry Stores, Watches, Clocks, and Silverware Stores — Retail stores selling fine gold, diamond, platinum jewelry, luxury timepieces, and silverware.
Cosmetic Stores — Retail cosmetic shops, skincare boutiques, fragrance stores, and beauty wellness specialists.
Insurance Sales, Underwriting, and Premiums — Life insurance, general insurance, health insurance policies, and annual premium renewals.
Real Estate Agents and Managers — Property management, residential & commercial rent payments, maintenance charges, and lease transaction fees.
POI Funding Transactions (Non-Financial Institutions) — Loading prepaid cards, mobile digital wallets, and stored-value electronic purses.
Hotels, Motels, and Resorts — Commercial lodging services, room reservations, hotel dining, and on-premises guest charges.
Cleaning and Maintenance, Janitorial Services — On-demand home services, home salon, deep cleaning, appliance repair, pest control, and handyman services.
Equipment Rental and Leasing Services — Rental services for residential furniture, home appliances, consumer electronics, and home setups.
Automobile Rental Agency — Self-drive car rental platforms, long-distance vehicle hire, and passenger car rental fleets.
Motion Picture Theaters — Commercial movie multiplexes, cinema halls, drive-in theaters, and ticket/concession stand purchases.
Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses — Fitness clubs, gyms, crossfit studios, and sports facilities.
Ophthalmic Goods, Eyeglasses, Contact Lenses, and Frames — Prescription eyewear, sunglasses, optical retail dispensaries, and contact lens specialists.
Hospitals — Inpatient and outpatient medical institutions, surgical centers, emergency clinics, and specialized healthcare hospitals.
Medical Services and Health Practitioners (Not Elsewhere Classified) — Diagnostic pathology laboratories, radiology centers, telemedicine platforms, and health checkup clinics.
Schools and Educational Services (Not Elsewhere Classified) — Online learning platforms, certification programs, test prep courses, and vocational coaching institutions.
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