MCC 4814: Telecom services - calls, recharge, bill payments
Merchant category code 4814 is how banks and the card networks label telecom services - calls, recharge, bill payments.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
4814
Telecom services - calls, recharge, bill payments
Mobile / broadband · excluded on 46 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 4814
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
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
Fibe Axis Bank Credit Card
Base rate
1.0%axis.bank.in · 2 Oct 2026
Flipkart SBI Card
Base rate
1.0%sbicard.com · 22 Aug 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
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 services excluded. 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 excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Privilege
Earns nothing here
Utility & telecom excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Reserve
Earns nothing here
Utilities excluded from EDGE earn (Sep 2023). 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
SBI Cashback Card
Earns nothing here
Utilities excluded from cashback (bank table puts 9399 under Utility here). sbicard.com · 22 Aug 2026
✗ no points
PhonePe SBI SELECT BLACK
Earns nothing here
Utilities & insurance OUTSIDE the PhonePe app earn nothing (MCC-excluded). sbicard.com · 22 Aug 2026
✗ no points
SBI Card MILES
Earns nothing here
Utility transactions earn nothing. sbicard.com · 21 Sep 2026
✗ no points
SBI Card MILES Prime
Earns nothing here
Utility transactions earn nothing. sbicard.com · 21 Sep 2026
✗ no points
SBI Card MILES Elite
Earns nothing here
Utility transactions earn nothing. sbicard.com · 21 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
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.