MCC 5499: Convenience and specialty food stores
Merchant category code 5499 is how banks and the card networks label convenience and specialty food stores.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
5499
Convenience and specialty food stores
Groceries · excluded on 15 of 187 cards shown
Paying the merchant directly.
Cardat 5499
HSBC Live+
10% dining / food delivery / groceries / shopping / utilities · category rule
10.0%hsbc.co.in · 27 Sep 2026
FIRST Private
Base rate
6.6%idfcfirstbank.com · 25 Sep 2026
Axis Burgundy Private
Base rate
6.4%axis.bank.in · 21 Aug 2026
Tata Neu Infinity HDFC
At BigBasket · co-brand rate
Elsewhere at this code: Grocery: 1.5% capped 2,000 NeuCoins/month, 1.5%
5.0%hdfc.bank.in · 22 Aug 2026
PIXEL Play
5% on grocery (selected pack) · category rule
5.0%hdfc.bank.in · 21 Sep 2026
Reliance SBI Card PRIME
At JioMart · co-brand rate
Elsewhere at this code: base rate, 0.5%
5.0%sbicard.com · 25 Sep 2026
AU LIT
5% cashback on grocery (paid feature, ₹299/90 days) · category rule
5.0%au.bank.in · 20 Aug 2026
HSBC RuPay Cashback
10% dining / food delivery / groceries · category rule
4.0%hsbc.co.in · 20 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
Grocery: base rate capped 2,000 pts/month · category rule
3.3%hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Black Metal
Grocery: 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
Gaj
Base rate
3.3%idfcfirst.bank.in · 30 Sep 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
Grocery: base rate capped 1,000 pts/statement cycle · category rule
3.0%icicibank.com · 22 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
IDFC FIRST Ashva
10 pts / ₹150 on incremental spends above ₹20K/cycle · category rule
2.6%idfcfirst.bank.in · 21 Aug 2026
HDFC MoneyBack+
At BigBasket · co-brand rate
Elsewhere at this code: Grocery at the base rate, capped, 0.3%
2.5%hdfc.bank.in · 26 Sep 2026
SBI Card PRIME
10 pts/₹100 on dining/grocery/movies/dept stores (SBI brands this 10X) · category rule
2.5%sbicard.com · 20 Aug 2026
SBI Card ELITE
10 RP/₹100 on dining, departmental stores & grocery (bank brands this 5X) · category rule
2.5%sbicard.com · 22 Aug 2026
SBI BPCL Octane
10X dining/movies/grocery · category rule
2.5%sbicard.com · 20 Aug 2026
Shoprite Credit Card
20 pts / Rs 100 on grocery shopping · category rule
2.5%rbl.bank.in · 25 Sep 2026
Air India SBI Signature Card
Base rate
2.4%sbicard.com · 1 Oct 2026
IndusInd Tiger
Up to 6 pts / ₹100 via annual spend slabs · category rule
2.4%indusind.bank.in · 21 Aug 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
Tata Neu Plus HDFC
At BigBasket · co-brand rate
Elsewhere at this code: Grocery: base rate capped 1,000 NeuCoins/month, 1.0%
2.0%hdfc.bank.in · 22 Aug 2026
Axis Atlas
Base rate
2.0%axis.bank.in · 22 Aug 2026
Axis Select
2X points on retail shopping (dept stores, grocery, apparel) · category rule
2.0%axis.bank.in · 25 Sep 2026
Axis Horizon
Base rate
2.0%axis.bank.in · 25 Sep 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
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
IndianOil Kotak
12 pts / ₹150 on groceries & dining (2%) · category rule
2.0%kotak.bank.in · 21 Aug 2026
SC Ultimate
3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%) · category rule
2.0%av.sc.com · 20 Aug 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
SBI SimplySAVE
10X dining/groceries/movies/dept stores · category rule
1.7%sbicard.com · 21 Aug 2026
Mayura
Base rate
1.7%idfcfirstbank.com · 25 Sep 2026
Axis ACE
Base rate
1.5%axisbank.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
HDFC Regalia Gold
Grocery: base rate capped 2,000 pts/month · category rule
1.3%hdfc.bank.in · 22 Aug 2026
BPCL SBI Card
5 pts / Rs100 on groceries, departmental stores, movies and dining · category rule
1.3%sbicard.com · 25 Sep 2026
Amex SmartEarn
At Blinkit · 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
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
Grocery: 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
HDFC Regalia
Grocery: base rate capped 2,000 pts/month · category rule
1.0%hdfc.bank.in · 22 Aug 2026
HDFC PIXEL Go
Base rate
1.0%hdfc.bank.in · 25 Sep 2026
Flipkart Axis Bank
Base rate
1.0%axisbank.com · 20 Aug 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
Fibe Axis Bank Credit Card
Base rate
1.0%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
1% offline spends · category rule
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%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
Amazon Pay ICICI
Base rate
1.0%icicibank.com · 20 Aug 2026
MakeMyTrip ICICI
Base rate
1.0%icici.bank.in · 20 Aug 2026
ICICI HPCL Super Saver
20 pts / Rs100 on utility, grocery and department store spend · category rule
1.0%icicibank.com · 25 Sep 2026
Adani One ICICI Platinum
Base rate
1.0%icici.bank.in · 30 Sep 2026
Amex Membership Rewards
1,000 bonus MR on 4×₹1,500 txns/month · category rule
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
1,000 bonus MR on 6×₹1,000 txns/month · category rule
1.0%americanexpress.com · 20 Aug 2026
IndianOil RBL XTra
Base rate
1.0%rbl.bank.in · 20 Aug 2026
OneCard Metal
5X on your top-2 spend categories (auto-detected monthly) · category rule
1.0%getonecard.app · 22 Aug 2026
Uni GoldX
Base rate
1.0%bobcard.co.in · 20 Aug 2026
IndusInd Legend
2 pts / ₹100 on weekend spends (Sat-Sun) · category rule
1.0%indusind.bank.in · 20 Aug 2026
AU Zenith
5 RP/₹100 on standalone dining, international, grocery & departmental stores · category rule
1.0%au.bank.in · 22 Aug 2026
FIRST WOW!
Base rate
1.0%idfcfirstbank.com · 25 Sep 2026
FIRST Power+
30 pts / Rs 150 on grocery and utility spends · category rule
1.0%idfcfirstbank.com · 25 Sep 2026
LIC Select
5 pts / Rs 125 on grocery, utilities, railways, FASTag, education and government payments · category rule
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
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
2 Bonvoy pts / ₹150 on grocery, capped 2,000 pts/month · category rule
0.8%hdfc.bank.in · 22 Aug 2026
HDFC Freedom
At BigBasket · co-brand rate
Elsewhere at this code: base rate, 0.1%
0.8%hdfc.bank.in · 25 Sep 2026
Axis Bank Cashback
Base rate
0.8%in store 0.8% · online 3.5%axisbank.com · 20 Aug 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
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
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 MILES
Base rate
0.5%sbicard.com · 21 Sep 2026
SBI Card PULSE
Base rate
0.5%sbicard.com · 26 Sep 2026
Kotak Cashback+ Credit Card
Base rate
0.5%in store 0.5% · online 5.0%kotak.bank.in · 25 Sep 2026
Kotak Cashback+ Prime Credit Card
Base rate
0.5%in store 0.5% · online 5.0%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
Standard Chartered EaseMyTrip
Base rate
0.5%sc.bank.in · 21 Aug 2026
ELITE+
4 pts / Rs 200 on grocery and utility spends · category rule
0.5%yes.bank.in · 25 Sep 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
Dhan Vriddhi Credit Card
5% cashback on grocery spends · category rule
0.5%dhan.bank.in · 4 Oct 2026
Dhan Samriddhi Credit Card
5% cashback on grocery spends · category rule
0.5%dhan.bank.in · 4 Oct 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
Imperio
3 pts / Rs 150 on health care & grocery · category rule
0.5%federal.bank.in · 1 Oct 2026
Axis MY Zone
Base rate
0.4%axis.bank.in · 25 Sep 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
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
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
Axis Rewards
Base rate
0.3%axis.bank.in · 25 Sep 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
SimplyCLICK SBI Card
Base rate
0.3%in store 0.3% · online 1.3%sbicard.com · 20 Aug 2026
Platinum Aura Edge Credit Card
Base rate
0.3%indusind.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 HDFC Bank
5% Fuel Points on groceries and bill payments (1 FP / Rs20, max 100 pts/month per category) · category rule
0.2%hdfcbank.com · 25 Sep 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
CUB Kavach RuPay Credit Card
Base rate
0.2%cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Base rate
0.2%cityunionbank.bank.in · 2 Oct 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
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
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
RBL Play (BookMyShow)
Earns nothing here
Excluded - no bank wording on file. rbl.bank.in · 20 Aug 2026
✗ no points
BOBCARD Eterna
Earns nothing here
UNUSUAL: supermarket/convenience/variety retail MCCs are on the exclusion annexure - grocery earns nothing on BOBCARD. 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
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.