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MCC guide

MCC 5521: Car and truck dealers - used only

Merchant category code 5521 is how banks and the card networks label car and truck dealers - used only. See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
5521 Car and truck dealers - used only
Other · excluded on 6 of 187 cards shown
Paying the merchant directly.
all codes
Cardat 5521
FIRST Private
Base rate
6.6%idfcfirstbank.com · 25 Sep 2026
Axis Burgundy Private
Base rate
6.4%axis.bank.in · 21 Aug 2026
Kotak Air+ Prime
5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533) · category rule
5.0%kotak.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
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
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
IDFC FIRST Ashva
10 pts / ₹150 on incremental spends above ₹20K/cycle · category rule
2.6%idfcfirst.bank.in · 21 Aug 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%in store 2.3% · online 4.5%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
Axis Horizon
Base rate
2.0%axis.bank.in · 25 Sep 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
AU LIT
10X feature (₹299/90 days): all online AND offline spends · category rule
2.0%au.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
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
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 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
Base rate
1.0%hdfcbank.com · 20 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
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
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
Axis Select
Base rate
1.0%axis.bank.in · 25 Sep 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%in store 1.0% · online 5.0%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
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
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 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
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
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 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
Base rate
0.8%hdfcbank.com · 21 Aug 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
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
AU Zenith
Base rate
0.6%aubank.in · 21 Aug 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
Kotak Royale Signature [Discontinued]
4 pts / ₹150 on accelerated categories · category rule
0.5%kotak.bank.in · 21 Aug 2026
Kotak League Platinum
8 pts / ₹150 on special categories & spends above ₹2L/yr · category rule
0.5%kotak.bank.in · 21 Aug 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
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
IndianOil Kotak
Base rate
0.5%kotak.bank.in · 21 Aug 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
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
Prime
Base rate
0.4%bobcard.co.in · 30 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
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
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
HDFC MoneyBack+
Base rate
0.3%hdfc.bank.in · 25 Sep 2026
SimplyCLICK SBI Card
Base rate
0.3%in store 0.3% · online 1.3%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
Select
Base rate
0.2%bobcard.co.in · 30 Sep 2026
Easy
Base rate
0.2%bobcard.co.in · 30 Sep 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
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
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
HDFC Freedom
Base rate
0.1%hdfc.bank.in · 25 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
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
Browse every code by category
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.
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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