MCC 4131: Bus lines
Merchant category code 4131 is how banks and the card networks label bus lines.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
4131
Bus lines
Cabs & transit · excluded on 25 of 187 cards shown
Paying the merchant directly.
Cardat 4131
FIRST Private
Base rate
6.6%idfcfirstbank.com · 25 Sep 2026
Axis Burgundy Private
Base rate
6.4%axis.bank.in · 21 Aug 2026
HDFC Millennia
At Uber · co-brand rate
Elsewhere at this code: 1% other spends, 1.0%
5.0%hdfcbank.com · 20 Aug 2026
Swiggy HDFC Bank
At Uber · co-brand rate
Elsewhere at this code: 1% on other spends - capped ₹500/billing cycle, 1.0%
5.0%hdfc.bank.in · 22 Aug 2026
PhonePe HDFC Bank Ultimo Credit Card
At Uber · co-brand rate
Elsewhere at this code: earns nothing
5.0%hdfc.bank.in · 30 Sep 2026
Axis ACE
At Ola · co-brand rate
Elsewhere at this code: base rate, 1.5%
4.0%axisbank.com · 20 Aug 2026
Flipkart Axis Bank
At Uber · co-brand rate
Elsewhere at this code: base rate, 1.0%
4.0%axisbank.com · 20 Aug 2026
Flipkart SBI Card
At Uber · co-brand rate
Elsewhere at this code: base rate, 1.0%
4.0%sbicard.com · 22 Aug 2026
Axis Magnus for Burgundy
Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · base rate
3.6%axis.bank.in · 22 Aug 2026
HDFC Infinia Metal
Base rate
3.3%hdfcbank.com · 20 Aug 2026
HDFC Diners Club Black Metal
Base rate
3.3%hdfcbank.com · 20 Aug 2026
Biz Black Metal Edition Credit Card
Base rate
3.3%hdfc.bank.in · 2 Oct 2026
SC Ultimate
Base rate
3.3%sc.com · 22 Aug 2026
PVR INOX Kotak
1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count · base rate
3.0%kotak.com · 22 Aug 2026
Kotak Solitaire Credit Card
Base rate
3.0%kotak.bank.in · 30 Sep 2026
ICICI Emeralde Private Metal
Base rate
3.0%icicibank.com · 20 Aug 2026
HSBC Premier
Base rate
3.0%hsbc.co.in · 20 Aug 2026
Pioneer Private Credit Card
Base rate
3.0%indusind.bank.in · 2 Oct 2026
Air India SBI Signature Card
Base rate
2.4%sbicard.com · 1 Oct 2026
Axis Reserve
Base rate
2.3%axis.bank.in · 22 Aug 2026
YES Bank Marquee
Base rate
2.3%yes.bank.in · 20 Aug 2026
HSBC TravelOne
Base rate
2.2%hsbc.co.in · 20 Aug 2026
Axis Atlas
Base rate
2.0%axis.bank.in · 22 Aug 2026
Kotak Air+ Prime
Base rate
2.0%kotak.bank.in · 21 Aug 2026
Kotak Air+
Base rate
2.0%kotak.bank.in · 21 Sep 2026
Amazon Pay ICICI
At Uber · co-brand rate
Elsewhere at this code: base rate, 1.0%
2.0%icicibank.com · 20 Aug 2026
Scapia (Federal Bank)
Base rate
2.0%federal.bank.in · 20 Aug 2026
Nova Credit Card
Base rate
2.0%rbl.bank.in · 25 Sep 2026
Axis Magnus
Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · base rate
1.8%axis.bank.in · 22 Aug 2026
Mayura
Base rate
1.7%idfcfirstbank.com · 25 Sep 2026
Tata Neu Infinity HDFC
Base rate
1.5%hdfcbank.com · 20 Aug 2026
SpiceJet Axis Bank Voyage Black
Base rate
1.5%axis.bank.in · 30 Sep 2026
Titan SBI Card
Base rate
1.5%sbicard.com · 25 Sep 2026
Adani One ICICI Signature
Base rate
1.5%icici.bank.in · 30 Sep 2026
HSBC Live+
Base rate
1.5%hsbc.co.in · 20 Aug 2026
HDFC Regalia Gold
Base rate
1.3%hdfcbank.com · 20 Aug 2026
Amex SmartEarn
At Uber · co-brand rate
Elsewhere at this code: base rate, 1.0%
1.3%americanexpress.com · 20 Aug 2026
Amex Platinum Charge
Base rate
1.3%americanexpress.com · 20 Aug 2026
RuPay Platinum
Base rate
1.2%hsbc.co.in · 30 Sep 2026
Visa Platinum
Base rate
1.2%hsbc.co.in · 30 Sep 2026
HSBC Taj Credit Card
Base rate
1.0%hsbc.co.in · 25 Sep 2026
HDFC Diners Club Privilege
Base rate
1.0%hdfcbank.com · 20 Aug 2026
Tata Neu Plus HDFC
Base rate
1.0%hdfcbank.com · 20 Aug 2026
HDFC Regalia
Base rate
1.0%v.hdfc.bank.in · 21 Aug 2026
PIXEL Play
Base rate
1.0%hdfc.bank.in · 21 Sep 2026
HDFC PIXEL Go
Base rate
1.0%hdfc.bank.in · 25 Sep 2026
PhonePe HDFC Bank Uno Credit Card
At Uber · co-brand rate
Elsewhere at this code: earns nothing
1.0%hdfc.bank.in · 30 Sep 2026
Airtel Axis Bank
Base rate
1.0%axisbank.com · 20 Aug 2026
Axis Privilege
Base rate
1.0%axis.bank.in · 21 Aug 2026
Axis Select
Base rate
1.0%axis.bank.in · 25 Sep 2026
Fibe Axis Bank Credit Card
Base rate
1.0%in store 1.0% · online 3.0%axis.bank.in · 2 Oct 2026
Axis Bank Supermoney RuPay Credit Card
Base rate
1.0%axis.bank.in · 2 Oct 2026
SBI Cashback Card
Base rate
1.0%in store 1.0% · online 5.0%sbicard.com · 20 Aug 2026
PhonePe SBI SELECT BLACK
Base rate
1.0%sbicard.com · 22 Aug 2026
SBI Card MILES Prime
Base rate
1.0%sbicard.com · 21 Sep 2026
SBI Card MILES Elite
Base rate
1.0%sbicard.com · 21 Sep 2026
SBI Card AURUM
Base rate
1.0%sbicard.com · 25 Sep 2026
Paytm SBI Card SELECT
Base rate
1.0%sbicard.com · 25 Sep 2026
Kotak Air
Base rate
1.0%kotak.bank.in · 21 Aug 2026
MakeMyTrip ICICI
Base rate
1.0%icici.bank.in · 20 Aug 2026
Adani One ICICI Platinum
Base rate
1.0%icici.bank.in · 30 Sep 2026
HSBC RuPay Cashback
Base rate
1.0%hsbc.co.in · 20 Aug 2026
Amex Membership Rewards
Base rate
1.0%americanexpress.com · 20 Aug 2026
Amex Platinum Travel
Base rate
1.0%americanexpress.com · 20 Aug 2026
Amex Platinum Reserve
Base rate
1.0%americanexpress.com · 20 Aug 2026
Amex Gold Charge
Base rate
1.0%americanexpress.com · 20 Aug 2026
IndianOil RBL XTra
Base rate
1.0%rbl.bank.in · 20 Aug 2026
Uni GoldX
1% on transport, railways & bus - capped · category rule
1.0%media.bobcard.co.in · 21 Sep 2026
FIRST WOW!
Base rate
1.0%idfcfirstbank.com · 25 Sep 2026
LIC Select
Base rate
1.0%idfcfirstbank.com · 25 Sep 2026
Smart Credit Card
Base rate
1.0%sc.bank.in · 25 Sep 2026
RuPay Select Credit Card
Base rate
1.0%unionbankofindia.bank.in · 30 Sep 2026
Hello Cashback
1% cashback on in-store and bills · category rule
1.0%in store 1.0% · online 3.0%idfcfirst.bank.in · 30 Sep 2026
Quantum+
1% cashback on in-store and online spends · category rule
1.0%idfcfirst.bank.in · 30 Sep 2026
Metal Credit Card LUXURA on RuPay
Base rate
1.0%creditcard.pnb.bank.in · 1 Oct 2026
Metal Credit Card LUXURA on Visa
Base rate
1.0%creditcard.pnb.bank.in · 1 Oct 2026
Paisabazaar Paisaback
1% on card spends in store and online · category rule
1.0%federal.bank.in · 1 Oct 2026
Samman RuPay Credit Card
1% cashback on retail spends · category rule
1.0%indusind.bank.in · 1 Oct 2026
Pioneer Heritage Credit Card
Base rate
1.0%indusind.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Base rate
1.0%cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Base rate
1.0%cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Lifetime Free)
Base rate
1.0%cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Paid)
Base rate
1.0%cityunionbank.bank.in · 2 Oct 2026
CSB Bank Edge+ Credit Card
Base rate
1.0%csb.bank.in · 2 Oct 2026
IB-VISA-Gold
Base rate
1.0%indianbank.bank.in · 4 Oct 2026
IB-VISA-Platinum
Base rate
1.0%indianbank.bank.in · 4 Oct 2026
IB-RuPAY-Platinum
Base rate
1.0%indianbank.bank.in · 4 Oct 2026
IB-RuPay-Select
Base rate
1.0%indianbank.bank.in · 4 Oct 2026
LIC Axis Bank Signature
Base rate
0.9%axis.bank.in · 30 Sep 2026
IRCTC SBI Card
Base rate
0.8%sbicard.com · 22 Aug 2026
IRCTC SBI Card Premier
Base rate
0.8%sbicard.com · 2 Oct 2026
ICICI Times Black
Base rate
0.8%icici.bank.in · 2 Oct 2026
Marriott Bonvoy HDFC
Base rate
0.8%hdfcbank.com · 21 Aug 2026
HDFC Freedom
At Uber · co-brand rate
Elsewhere at this code: base rate, 0.1%
0.8%hdfc.bank.in · 25 Sep 2026
SpiceJet Axis Bank Voyage
Base rate
0.8%axis.bank.in · 30 Sep 2026
Celesta Credit Card
Base rate
0.8%indusind.bank.in · 25 Sep 2026
ELITE+
Base rate
0.8%yes.bank.in · 25 Sep 2026
Pinnacle Credit Card
Base rate
0.8%in store 0.8% · online 1.9%indusind.bank.in · 30 Sep 2026
LIC Axis Bank Platinum
Base rate
0.7%axis.bank.in · 30 Sep 2026
Kotak Zen Signature
Base rate
0.7%kotak.bank.in · 21 Aug 2026
Gaj
1 reward point per Rs 150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education · category rule
0.7%idfcfirst.bank.in · 30 Sep 2026
Rewards Credit Card
Base rate
0.7%sc.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Base rate
0.6%cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Base rate
0.6%cityunionbank.bank.in · 2 Oct 2026
SBI Card PRIME
Base rate
0.5%sbicard.com · 20 Aug 2026
SBI Card ELITE
Base rate
0.5%sbicard.com · 20 Aug 2026
SBI Card MILES
Base rate
0.5%sbicard.com · 21 Sep 2026
Reliance SBI Card PRIME
Base rate
0.5%sbicard.com · 25 Sep 2026
SBI Card PULSE
Base rate
0.5%sbicard.com · 26 Sep 2026
Kotak Cashback+ Credit Card
Base rate
0.5%kotak.bank.in · 25 Sep 2026
Kotak Cashback+ Prime Credit Card
Base rate
0.5%kotak.bank.in · 25 Sep 2026
ICICI Sapphiro
Base rate
0.5%icici.bank.in · 20 Aug 2026
ICICI Coral
Base rate
0.5%icici.bank.in · 21 Aug 2026
ICICI HPCL Super Saver
Base rate
0.5%icicibank.com · 25 Sep 2026
IndusInd Legend
Base rate
0.5%indusind.bank.in · 20 Aug 2026
Standard Chartered EaseMyTrip
Base rate
0.5%sc.bank.in · 21 Aug 2026
IRCTC BOBCARD
Base rate
0.5%bobcard.co.in · 25 Sep 2026
RuPay Select Credit Card
Base rate
0.5%canarabank.bank.in · 30 Sep 2026
Indus Solitaire Credit Card
Base rate
0.5%indusind.bank.in · 30 Sep 2026
Visa Signature Card
Base rate
0.5%creditcard.pnb.bank.in · 1 Oct 2026
IB-VISA-Business
Base rate
0.5%indianbank.bank.in · 4 Oct 2026
IndianOil Kotak
Base rate
0.5%kotak.bank.in · 21 Aug 2026
FIRST Power+
Base rate
0.5%idfcfirstbank.com · 25 Sep 2026
Nexxt Credit Card
Base rate
0.5%indusind.bank.in · 30 Sep 2026
Axis MY Zone
Base rate
0.4%axis.bank.in · 25 Sep 2026
IndusInd Tiger
Base rate
0.4%indusind.bank.in · 21 Aug 2026
EazyDiner Platinum
Base rate
0.4%indusind.bank.in · 21 Sep 2026
Edge CSB Bank Credit Card
Base rate
0.4%csb.bank.in · 2 Oct 2026
Biz Power Credit Card
Base rate
0.4%hdfc.bank.in · 2 Oct 2026
IDFC FIRST Wealth
Base rate
0.4%idfcfirst.bank.in · 22 Aug 2026
FIRST Millennia
Base rate
0.4%idfcfirstbank.com · 25 Sep 2026
FIRST Classic
Base rate
0.4%idfcfirstbank.com · 25 Sep 2026
RuPay Select Card
Base rate
0.3%creditcard.pnb.bank.in · 1 Oct 2026
Imperium Platinum Credit Card
Base rate
0.3%idbibank.in · 1 Oct 2026
CUB CSK RuPay Platinum Credit Card
Base rate
0.3%cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Base rate
0.3%cityunionbank.bank.in · 2 Oct 2026
Kotak Urbane Gold (discontinued)
Base rate
0.3%kotak.bank.in · 21 Aug 2026
Kotak UPI RuPay Credit Card
Base rate
0.3%kotak.bank.in · 25 Sep 2026
Kotak Royale Signature [Discontinued]
Base rate
0.3%kotak.bank.in · 21 Aug 2026
Kotak League Platinum
Base rate
0.3%kotak.bank.in · 21 Aug 2026
IDFC FIRST Ashva
1 pt / ₹150 on FASTag, railways, insurance & utilities · category rule
0.3%idfcfirst.bank.in · 22 Aug 2026
HDFC MoneyBack+
Base rate
0.3%hdfc.bank.in · 25 Sep 2026
SimplyCLICK SBI Card
Base rate
0.3%sbicard.com · 20 Aug 2026
SBI BPCL Octane
Base rate
0.3%sbicard.com · 22 Aug 2026
BPCL SBI Card
Base rate
0.3%sbicard.com · 25 Sep 2026
Platinum Aura Edge Credit Card
Base rate
0.3%indusind.bank.in · 25 Sep 2026
Shoprite Credit Card
Base rate
0.3%rbl.bank.in · 25 Sep 2026
RuPay Platinum Card
Base rate
0.3%creditcard.pnb.bank.in · 1 Oct 2026
Visa Platinum Card
Base rate
0.3%creditcard.pnb.bank.in · 1 Oct 2026
Celesta
Base rate
0.3%federal.bank.in · 1 Oct 2026
Klick Credit Card
Base rate
0.3%yes.bank.in · 2 Oct 2026
IndianOil Axis Bank Credit Card
Base rate
0.2%axis.bank.in · 25 Sep 2026
Google Pay Flex Axis Bank Credit Card
Base rate
0.2%axis.bank.in · 2 Oct 2026
AU LIT
Base rate
0.2%au.bank.in · 20 Aug 2026
OneCard Metal
Base rate
0.2%getonecard.app · 20 Aug 2026
SBI SimplySAVE
Base rate
0.2%sbicard.com · 21 Aug 2026
Diamond Reserve
1 pt / Rs 150 on utilities, insurance, railways and FASTag · category rule
0.2%idfcfirst.bank.in · 30 Sep 2026
Imperio
Base rate
0.2%federal.bank.in · 1 Oct 2026
IndianOil HDFC Bank
Base rate
0.1%hdfcbank.com · 25 Sep 2026
IDFC FIRST Select
1 pt / ₹200 on utilities, insurance, railways & FASTag · category rule
0.1%idfcfirst.bank.in · 22 Aug 2026
Signet
Base rate
0.1%federal.bank.in · 1 Oct 2026
Axis Bank Neo
Base rate
0.1%axis.bank.in · 1 Oct 2026
Dhan Vriddhi Credit Card
Base rate
0.1%dhan.bank.in · 4 Oct 2026
Dhan Samriddhi Credit Card
Base rate
0.1%dhan.bank.in · 4 Oct 2026
Axis Bank Cashback
Earns nothing here
Transportation & tolls (incl. cabs, MCC 4121) earn NO cashback under any category. axis.bank.in · 22 Aug 2026
✗ no points
Axis Horizon
Earns nothing here
Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles axis.bank.in · 25 Sep 2026
✗ no points
Axis Rewards
Earns nothing here
Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent and fuel MCCs earn no reward points axis.bank.in · 25 Sep 2026
✗ no points
Kotak 811 #DreamDifferent
Earns nothing here
2% cashback (cycles with ₹15,000+ eligible spend) kotak811.bank.in · 28 Sep 2026
✗ no points
Kotak White Reserve
Earns nothing here
Excluded - no bank wording on file. kotak.bank.in · 21 Aug 2026
✗ no points
Kotak White
Earns nothing here
Transportation MCCs excluded from White Pass milestone spends effective 1 Apr 2026. kotak.bank.in · 22 Aug 2026
✗ no points
RBL Play (BookMyShow)
Earns nothing here
Excluded - no bank wording on file. rbl.bank.in · 20 Aug 2026
✗ no points
AU Zenith
Earns nothing here
Transportation fee-penalized 1% from 14 Jun 2026 (IRCTC exempt); BBPS and quasi-cash excluded. au.bank.in · 22 Aug 2026
✗ no points
BOBCARD Eterna
Earns nothing here
Transportation earns nothing. media.bobcard.co.in · 22 Aug 2026
✗ no points
Premier
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Select
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Easy
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Snapdeal BOBCARD
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Cashback
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Tiara
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
HPCL Energie
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
Prime
Earns nothing here
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list. media.bobcard.co.in · 30 Sep 2026
✗ no points
CUB Kavach RuPay Credit Card
Earns nothing here
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach Master Credit Card
Earns nothing here
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded. cityunionbank.bank.in · 2 Oct 2026
✗ no points
Eternal Credit Card
Earns nothing here
Transport transactions do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
Rhodium Credit Card
Earns nothing here
Transport transactions do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
SmartGen Credit Card
Earns nothing here
Transport transactions do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
superCard
Earns nothing here
Insurance, post office, transit (transport) and utilities payments do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
Browse every code by category
5999 Miscellaneous and specialty retail
5192 Books, periodicals and newspapers
7230 Beauty and barber shops
8999 Professional services - not elsewhere classified
5013 Motor vehicle supplies and new parts
5511 Car and truck dealers - new and used
5521 Car and truck dealers - used only
5533 Automotive parts and accessories stores
Bank MCC list means the bank named this exact code in its own T&C - the strongest signal.
Category rule is derived from our MCC-to-category mapping; the merchant's acquirer decides the
real code on any one transaction, so a specific store can still differ. Every card's own source page
is on its card page.