MCC 5944: Jewellery, watches, clocks and silverware
Merchant category code 5944 is how banks and the card networks label jewellery, watches, clocks and silverware.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
5944
Jewellery, watches, clocks and silverware
Jewellery & watches · excluded on 50 of 187 cards shown
Paying the merchant directly.
Cardat 5944
Titan SBI Card
At World of Titan · co-brand rate
Elsewhere at this code: base rate, 1.5%
7.5%sbicard.com · 25 Sep 2026
Tata Neu Infinity HDFC
At Tanishq · co-brand rate
Elsewhere at this code: base rate, 1.5%
5.0%hdfcbank.com · 20 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
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
Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · category rule
3.0%hsbc.co.in · 22 Aug 2026
Pioneer Private Credit Card
Base rate
3.0%indusind.bank.in · 2 Oct 2026
Reliance SBI Card PRIME
At Reliance Jewels · co-brand rate
Elsewhere at this code: base rate, 0.5%
2.5%sbicard.com · 25 Sep 2026
Air India SBI Signature Card
Base rate
2.4%sbicard.com · 1 Oct 2026
YES Bank Marquee
Base rate
2.3%yes.bank.in · 20 Aug 2026
Tata Neu Plus HDFC
At Tanishq · co-brand rate
Elsewhere at this code: base rate, 1.0%
2.0%hdfcbank.com · 20 Aug 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
Mayura
Base rate
1.7%idfcfirstbank.com · 25 Sep 2026
SpiceJet Axis Bank Voyage Black
Base rate
1.5%axis.bank.in · 30 Sep 2026
Adani One ICICI Signature
Base rate
1.5%icici.bank.in · 30 Sep 2026
Kotak Zen Signature
10 Zen pts / ₹150 on shopping (lifestyle, jewellery, dept stores, apparel) · category rule
1.3%kotak.bank.in · 21 Aug 2026
IDFC FIRST Ashva
Base rate
1.3%idfcfirst.bank.in · 21 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
HDFC Diners Club Privilege
Base rate
1.0%hdfcbank.com · 20 Aug 2026
HDFC Millennia
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
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
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
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
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
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
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
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
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
FIRST Private
1 pt / Rs 150 on rent, education, utilities, insurance, government, FASTag, wallet, railway, gift voucher and jewellery spends · category rule
0.7%idfcfirstbank.com · 25 Sep 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
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
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
Quantum+
0.5% cashback on select categories (utility, wallet, insurance, jewellery, govt, rent) · category rule
0.5%idfcfirst.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
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
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
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
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
AU LIT
Base rate
0.2%au.bank.in · 20 Aug 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
SBI SimplySAVE
Base rate
0.2%sbicard.com · 21 Aug 2026
Imperio
Base rate
0.2%federal.bank.in · 1 Oct 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
Base rate
0.1%hdfc.bank.in · 25 Sep 2026
Swiggy HDFC Bank
Earns nothing here
No cashback on jewellery. hdfc.bank.in · 22 Aug 2026
✗ no points
IndianOil HDFC Bank
Earns nothing here
No Fuel Points on jewellery. hdfc.bank.in · 26 Sep 2026
✗ no points
PhonePe HDFC Bank Ultimo Credit Card
Earns nothing here
No reward points on jewelry purchases. hdfc.bank.in · 30 Sep 2026
✗ no points
PhonePe HDFC Bank Uno Credit Card
Earns nothing here
No reward points on jewelry purchases. hdfc.bank.in · 30 Sep 2026
✗ no points
Axis ACE
Earns nothing here
Gold and jewellery excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Magnus
Earns nothing here
Gold and jewellery excluded. axis.bank.in · 22 Aug 2026
✗ no points
Flipkart Axis Bank
Earns nothing here
Gold in any form and jewellery excluded; gift cards on Flipkart/Myntra excluded too (category wording). axis.bank.in · 22 Aug 2026
✗ no points
Airtel Axis Bank
Earns nothing here
Jewellery excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Bank Cashback
Earns nothing here
Jewellery, precious metals and watches excluded from cashback. axis.bank.in · 22 Aug 2026
✗ no points
Axis Atlas
Earns nothing here
Gold/jewellery earns nothing (bank T&C MCC list). axis.bank.in · 22 Aug 2026
✗ no points
Axis Privilege
Earns nothing here
Gold and jewellery excluded from ERP earn (Apr 2024). Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables. campaign.axis.bank.in · 22 Aug 2026
✗ no points
Axis Reserve
Earns nothing here
Gold and jewellery excluded (Apr 2024). axis.bank.in · 22 Aug 2026
✗ no points
Axis Burgundy Private
Earns nothing here
Gold and jewellery earn nothing (Apr 2024). axis.bank.in · 22 Aug 2026
✗ no points
Axis Magnus for Burgundy
Earns nothing here
Gold and jewellery excluded. 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
IndianOil Axis Bank Credit Card
Earns nothing here
Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS 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
Fibe Axis Bank Credit Card
Earns nothing here
No cashback on wallet load, fuel spends, cash withdrawals or gold/jewellery purchases. axis.bank.in · 2 Oct 2026
✗ no points
Axis Bank Supermoney RuPay Credit Card
Earns nothing here
No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent. axis.bank.in · 2 Oct 2026
✗ no points
Google Pay Flex Axis Bank Credit Card
Earns nothing here
No Stars on clock, jewellery, watch and silverware stores. axis.bank.in · 2 Oct 2026
✗ no points
SBI Cashback Card
Earns nothing here
Jewellery excluded. sbicard.com · 22 Aug 2026
✗ no points
Flipkart SBI Card
Earns nothing here
Jewellery: 0% cashback. sbicard.com · 22 Aug 2026
✗ no points
PhonePe SBI SELECT BLACK
Earns nothing here
Jewellery earns nothing (bank T&C MCC list). sbicard.com · 22 Aug 2026
✗ no points
Kotak 811 #DreamDifferent
Earns nothing here
Gold purchases earn no cashback (the T&C excludes gold; jewellery is treated the same here, conservatively). 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
PVR INOX Kotak
Earns nothing here
Excluded - no bank wording on file. kotak.bank.in · 21 Aug 2026
✗ no points
Amazon Pay ICICI
Earns nothing here
No rewards on gold, silver or any precious metal (bank FAQ). icicibank.com · 22 Aug 2026
✗ no points
HSBC Live+
Earns nothing here
Jewellery and antiques: 0% cashback. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC TravelOne
Earns nothing here
Jewellery: no reward points. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC RuPay Cashback
Earns nothing here
Jewellery and antiques: no cashback. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC Taj Credit Card
Earns nothing here
No reward points on jewelry and antique items. hsbc.co.in · 25 Sep 2026
✗ no points
RuPay Platinum
Earns nothing here
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions. hsbc.co.in · 1 Oct 2026
✗ no points
Visa Platinum
Earns nothing here
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions. hsbc.co.in · 1 Oct 2026
✗ no points
RBL Play (BookMyShow)
Earns nothing here
Excluded - no bank wording on file. rbl.bank.in · 20 Aug 2026
✗ no points
ELITE+
Earns nothing here
No reward points on jewellery (from 15 Jun 2026). yes.bank.in · 25 Sep 2026
✗ no points
Paisabazaar Paisaback
Earns nothing here
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank. federal.bank.in · 1 Oct 2026
✗ no points
CUB CSK RuPay Platinum Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH RuPay Platinum Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master Platinum Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master Platinum Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master World Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master World Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach RuPay Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach Master Credit Card
Earns nothing here
Gold and jewellery purchases earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SalarySe Level UP Credit Card (Lifetime Free)
Earns nothing here
Jewellery purchases earn no SCoins. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SalarySe Level UP Credit Card (Paid)
Earns nothing here
Jewellery purchases earn no SCoins. cityunionbank.bank.in · 2 Oct 2026
✗ no points
superCard
Earns nothing here
Purchase of gold/jewellery does not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
Klick Credit Card
Earns nothing here
No YES Rewardz points on jewellery spends yes.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.