MCC 4812: Telecom equipment and phone sales
Merchant category code 4812 is how banks and the card networks label telecom equipment and phone sales.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
4812
Telecom equipment and phone sales
Mobile / broadband · excluded on 39 of 187 cards shown
Paying the merchant directly. Booking through a bank travel portal instead can earn much more - ask with your cards to see the route.
Cardat 4812
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 Infinia Metal
Telecom: base rate capped 2,000 pts/month · category rule
3.3%hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Black Metal
Telecom: base rate capped 2,000 pts/month · category rule
3.3%hdfc.bank.in · 22 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
Gaj
Base rate
3.3%idfcfirst.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
HSBC TravelOne
Base rate
2.2%hsbc.co.in · 20 Aug 2026
Nova Credit Card
Base rate
2.0%rbl.bank.in · 25 Sep 2026
Mayura
Base rate
1.7%idfcfirstbank.com · 25 Sep 2026
Tata Neu Infinity HDFC
Telecom & cable: 1.5% capped 2,000 NeuCoins/month · category rule
1.5%hdfc.bank.in · 22 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
IDFC FIRST Ashva
Base rate
1.3%idfcfirst.bank.in · 21 Aug 2026
HDFC Regalia Gold
Telecom: base rate capped 2,000 pts/month · category rule
1.3%hdfc.bank.in · 22 Aug 2026
Amex Platinum Charge
Base rate
1.3%americanexpress.com · 20 Aug 2026
YES Bank Marquee
10 pts / ₹200 on utilities (1.25%) · category rule
1.3%paisabazaar.com · 20 Aug 2026
Eternal Credit Card
Base rate
1.3%utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Base rate
1.3%utkarsh.bank.in · 4 Oct 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
Telecom: base rate capped 2,000 pts/month · category rule
1.0%hdfc.bank.in · 22 Aug 2026
HDFC Millennia
1% other spends · base rate
1.0%hdfcbank.com · 20 Aug 2026
Swiggy HDFC Bank
1% on other spends - capped ₹500/billing cycle · base rate
1.0%hdfc.bank.in · 22 Aug 2026
Tata Neu Plus HDFC
Telecom: base rate capped 2,000 NeuCoins/month · category rule
1.0%hdfc.bank.in · 22 Aug 2026
HDFC Regalia
Telecom: base rate capped 2,000 pts/month · category rule
1.0%hdfc.bank.in · 22 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
Axis Privilege
Base rate
1.0%axis.bank.in · 21 Aug 2026
Fibe Axis Bank 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
Flipkart SBI Card
Base rate
1.0%sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Base rate
1.0%PhonePe app: 10.0%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
Amazon Pay ICICI
Base rate
1.0%icicibank.com · 20 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
1% on other eligible spends - shares the ₹400 total monthly cap · category rule
1.0%hsbc.co.in · 22 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 SmartEarn
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
Base rate
1.0%bobcard.co.in · 20 Aug 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
Snapdeal BOBCARD
Base rate
1.0%bobcard.co.in · 30 Sep 2026
Cashback
Base rate
1.0%bobcard.co.in · 30 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 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
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
SmartGen Credit Card
Base rate
1.0%utkarsh.bank.in · 4 Oct 2026
superCard
Base rate
1.0%utkarsh.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
Axis Bank Cashback
Base rate
0.8%axisbank.com · 20 Aug 2026
SpiceJet Axis Bank Voyage
Base rate
0.8%axis.bank.in · 30 Sep 2026
BOBCARD Eterna
Base rate
0.8%bobcard.co.in · 21 Aug 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
Tiara
Base rate
0.8%bobcard.co.in · 30 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
Rewards Credit Card
Base rate
0.7%sc.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
Premier
Base rate
0.5%bobcard.co.in · 30 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
FIRST Power+
Base rate
0.5%idfcfirstbank.com · 25 Sep 2026
Diamond Reserve
Base rate
0.5%idfcfirst.bank.in · 30 Sep 2026
Nexxt Credit Card
Base rate
0.5%indusind.bank.in · 30 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
Prime
Base rate
0.4%bobcard.co.in · 30 Sep 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
IDFC FIRST Select
Base rate
0.4%idfcfirst.bank.in · 20 Aug 2026
FIRST Millennia
Base rate
0.4%idfcfirstbank.com · 25 Sep 2026
FIRST Classic
Base rate
0.4%idfcfirstbank.com · 25 Sep 2026
HPCL Energie
Base rate
0.3%bobcard.co.in · 30 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
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
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
OneCard Metal
Base rate
0.2%getonecard.app · 20 Aug 2026
AU Zenith
Utilities/insurance/telecom: 1 RP/₹100, max 100 RP per transaction · category rule
0.2%au.bank.in · 22 Aug 2026
Select
Base rate
0.2%bobcard.co.in · 30 Sep 2026
Easy
Base rate
0.2%bobcard.co.in · 30 Sep 2026
SBI SimplySAVE
Base rate
0.2%sbicard.com · 21 Aug 2026
Imperio
Base rate
0.2%federal.bank.in · 1 Oct 2026
IndianOil HDFC Bank
Base rate
0.1%hdfcbank.com · 25 Sep 2026
Signet
Base rate
0.1%federal.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
HDFC Freedom
Telecom and cable at the base rate, capped · category rule
0.1%hdfc.bank.in · 26 Sep 2026
PhonePe HDFC Bank Ultimo Credit Card
Earns nothing here
Excluded - no bank wording on file. hdfc.bank.in · 30 Sep 2026
✗ no points
PhonePe HDFC Bank Uno Credit Card
Earns nothing here
Excluded - no bank wording on file. hdfc.bank.in · 30 Sep 2026
✗ no points
Axis ACE
Earns nothing here
Bills and recharges paid outside Google Pay earn nothing axisbank.com · 20 Aug 2026
✗ no points
Axis Magnus
Earns nothing here
Utility & telecom excluded (current category list). axis.bank.in · 22 Aug 2026
✗ no points
Flipkart Axis Bank
Earns nothing here
Utility & telecom grouped in the exclusion category list. campaign.axis.bank.in · 22 Aug 2026
✗ no points
Airtel Axis Bank
Earns nothing here
Utility bills paid outside Airtel Thanks earn nothing axis.bank.in · 22 Aug 2026
✗ no points
Axis Atlas
Earns nothing here
Utilities and telecom grouped as excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Magnus for Burgundy
Earns nothing here
Utility & telecom excluded (current category list). axis.bank.in · 22 Aug 2026
✗ no points
Axis MY Zone
Earns nothing here
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards axis.bank.in · 25 Sep 2026
✗ no points
Axis Select
Earns nothing here
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points axis.bank.in · 25 Sep 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
Axis Bank Neo
Earns nothing here
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards. axis.bank.in · 1 Oct 2026
✗ no points
Axis Bank Supermoney RuPay Credit Card
Earns nothing here
Telecom and purchases converted to EMI earn no cashback. axis.bank.in · 2 Oct 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
Excluded - no bank wording on file. kotak.bank.in · 21 Aug 2026
✗ no points
Kotak League Platinum
Earns nothing here
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count. kotak.bank.in · 22 Aug 2026
✗ no points
Kotak Urbane Gold (discontinued)
Earns nothing here
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count. kotak.bank.in · 22 Aug 2026
✗ no points
IndianOil Kotak
Earns nothing here
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count. kotak.bank.in · 22 Aug 2026
✗ no points
Kotak Air+ Prime
Earns nothing here
Utilities & telecom earn nothing (bank T&C MCC list). kotak.bank.in · 21 Aug 2026
✗ no points
Kotak Air
Earns nothing here
Utilities & telecom earn nothing (bank T&C MCC list). kotak.bank.in · 21 Aug 2026
✗ no points
PVR INOX Kotak
Earns nothing here
Excluded - no bank wording on file. kotak.bank.in · 21 Aug 2026
✗ no points
Kotak Air+
Earns nothing here
Utility and telecom spends earn nothing. kotak.bank.in · 21 Sep 2026
✗ no points
Kotak Solitaire Credit Card
Earns nothing here
No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends. kotak.bank.in · 30 Sep 2026
✗ no points
Scapia (Federal Bank)
Earns nothing here
Utility, telecom and cable earn nothing. res.cloudinary.com · 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 LIT
Earns nothing here
Utility & telecom earn base 1 RP/₹100 only, max 100 RP/txn; insurance (6300/5960) also 1 RP. Base earn capped 10,000 RP/cycle. au.bank.in · 22 Aug 2026
✗ no points
IRCTC BOBCARD
Earns nothing here
No reward points on telecom bill payments (MCC 4814). media.bobcard.co.in · 25 Sep 2026
✗ no points
CUB CSK RuPay Platinum Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH RuPay Platinum Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master Platinum Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master Platinum Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master World Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master World Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach RuPay Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach Master Credit Card
Earns nothing here
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CSB Bank Edge+ Credit Card
Earns nothing here
Jewels are not awarded on telecommunications or pay-TV transactions (MCC 4814, 4899). csb.bank.in · 2 Oct 2026
✗ no points
Edge CSB Bank Credit Card
Earns nothing here
Jewels are not awarded on telecommunications or pay-TV transactions (MCC 4814, 4899). csb.bank.in · 2 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.