MCC 5960: Direct marketing - insurance services
Merchant category code 5960 is how banks and the card networks label direct marketing - insurance services.
See which of our 187 Indian credit cards earn here, which exclude it, and the bank's own wording, below.
5960
Direct marketing - insurance services
Insurance · excluded on 85 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 5960
Axis Burgundy Private
Insurance capped at 6,000 EDGE RP/month · category rule
6.4%axis.bank.in · 21 Aug 2026
HDFC Infinia Metal
Insurance: base rate capped 10,000 pts/month · category rule
3.3%hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Black Metal
Insurance: base rate capped 5,000 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
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
ICICI Emeralde Private Metal
Insurance: base rate capped 5,000 pts/statement cycle · category rule
3.0%icicibank.com · 22 Aug 2026
HSBC Premier
Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · category rule
3.0%hsbc.co.in · 22 Aug 2026
Air India SBI Signature Card
Base rate
2.4%sbicard.com · 1 Oct 2026
LIC Select
At LIC premium · co-brand rate
Elsewhere at this code: No points on non-LIC insurance premiums
2.0%idfcfirstbank.com · 25 Sep 2026
SC Ultimate
3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%) · category rule
2.0%av.sc.com · 20 Aug 2026
LIC Axis Bank Signature
At LIC premium · co-brand rate
Elsewhere at this code: base rate, 0.9%
1.9%axis.bank.in · 30 Sep 2026
Tata Neu Infinity HDFC
Insurance: 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
LIC Axis Bank Platinum
At LIC premium · co-brand rate
Elsewhere at this code: base rate, 0.7%
1.4%axis.bank.in · 30 Sep 2026
HDFC Regalia Gold
Insurance: base rate capped 2,000 pts/month · category rule
1.3%hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Privilege
Insurance: base rate capped 2,000 pts/month · category rule
1.0%hdfc.bank.in · 22 Aug 2026
HDFC Millennia
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
Insurance: base rate capped 2,000 NeuCoins/month · category rule
1.0%hdfc.bank.in · 22 Aug 2026
HDFC Regalia
Insurance: 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
PhonePe SBI SELECT BLACK
Base rate
1.0%PhonePe app: 5.0%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
Insurance 1% myCash, capped 1,000/anniversary year · category rule
1.0%icici.bank.in · 22 Aug 2026
Adani One ICICI Platinum
Base rate
1.0%icici.bank.in · 30 Sep 2026
Uni GoldX
1% on insurance - capped · category rule
1.0%media.bobcard.co.in · 21 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 utilities, insurance and education · 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
Samman RuPay Credit Card
1% cashback on retail spends · category rule
1.0%indusind.bank.in · 1 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
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
2 pts/Rs100 on utility, insurance, education and government payments, capped · category rule
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
Pioneer Heritage Credit Card
0.7 pts / Rs 100 on utilities, insurance, government, education and rent · category rule
0.7%indusind.bank.in · 2 Oct 2026
Pioneer Private Credit Card
0.7 pts / Rs 100 on utilities, insurance, government, education and rent · category rule
0.7%indusind.bank.in · 2 Oct 2026
Kotak Zen Signature
Education & insurance EARN, capped at ₹70,000 spend/cycle · category rule
0.7%kotak.com · 22 Aug 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
Gaj
1 reward point per Rs 150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education · category rule
0.7%idfcfirst.bank.in · 30 Sep 2026
Celesta Credit Card
0.7 pts / Rs 100 on utilities, insurance, govt, education and rent · category rule
0.5%indusind.bank.in · 25 Sep 2026
Pinnacle Credit Card
0.7 pts / Rs 100 on utilities, insurance, government, education and rent · category rule
0.5%indusind.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+ Prime Credit Card
Base rate
0.5%kotak.bank.in · 25 Sep 2026
ICICI HPCL Super Saver
Base rate
0.5%icicibank.com · 25 Sep 2026
Standard Chartered EaseMyTrip
Base rate
0.5%sc.bank.in · 21 Aug 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
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
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
Biz Power Credit Card
Base rate
0.4%hdfc.bank.in · 2 Oct 2026
IndusInd Legend
0.7 pt / ₹100 on utilities, insurance, govt, education & rent · category rule
0.4%indusind.bank.in · 22 Aug 2026
Indus Solitaire Credit Card
0.70 pts / Rs 100 on utilities, insurance, govt, education and rent · category rule
0.4%indusind.bank.in · 30 Sep 2026
Mayura
1 pt / Rs 150 on insurance, utility, railway and FASTag transactions · category rule
0.3%idfcfirstbank.com · 25 Sep 2026
RuPay Select Card
Base rate
0.3%creditcard.pnb.bank.in · 1 Oct 2026
Kotak Royale Signature [Discontinued]
Education & insurance EARN, capped at ₹70,000 spend/cycle · category rule
0.3%kotak.com · 22 Aug 2026
IDFC FIRST Ashva
1 pt / ₹150 on FASTag, railways, insurance & utilities · category rule
0.3%idfcfirst.bank.in · 22 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
ICICI Sapphiro
1 pt/₹100 on utility & insurance (half rate, not zero) · category rule
0.3%icicibank.com · 22 Aug 2026
ICICI Coral
1 pt / ₹100 on utility & insurance · category rule
0.3%icicibank.com · 22 Aug 2026
FIRST WOW!
1 pt / Rs 200 on insurance, utility, FASTag and railway spends · category rule
0.3%idfcfirstbank.com · 25 Sep 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 on insurance spends, capped monthly · category rule
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
AU Zenith
Utilities/insurance/telecom: 1 RP/₹100, max 100 RP per transaction · category rule
0.2%au.bank.in · 22 Aug 2026
SBI SimplySAVE
Base rate
0.2%sbicard.com · 21 Aug 2026
Diamond Reserve
1 pt / Rs 150 on utilities, insurance, railways and FASTag · category rule
0.2%idfcfirst.bank.in · 30 Sep 2026
Imperio
Base rate on insurance spends, capped monthly · category rule
0.2%federal.bank.in · 1 Oct 2026
Rewards Credit Card
1 pt / Rs150 on Government and Insurance categories · category rule
0.2%sc.bank.in · 2 Oct 2026
EazyDiner Platinum
0.7 RP / INR 100 on insurance, rent, utilities & government · category rule
0.1%indusind.bank.in · 21 Sep 2026
IDFC FIRST Wealth
1 pt / ₹200 on insurance, utilities, railway & FASTag · category rule
0.1%idfcfirst.bank.in · 20 Aug 2026
IDFC FIRST Select
1 pt / ₹200 on utilities, insurance, railways & FASTag · category rule
0.1%idfcfirst.bank.in · 22 Aug 2026
FIRST Millennia
1 pt / Rs 200 on utilities, insurance, FASTag and railway spends · category rule
0.1%idfcfirstbank.com · 25 Sep 2026
FIRST Classic
1 pt / Rs 200 on utility, insurance, railway and FASTag spends · category rule
0.1%idfcfirstbank.com · 25 Sep 2026
Signet
Base rate on insurance spends, capped monthly · category rule
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
IndianOil HDFC Bank
Earns nothing here
No Fuel Points on insurance. hdfc.bank.in · 26 Sep 2026
✗ no points
PhonePe HDFC Bank Ultimo Credit Card
Earns nothing here
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance. hdfc.bank.in · 30 Sep 2026
✗ no points
PhonePe HDFC Bank Uno Credit Card
Earns nothing here
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance. hdfc.bank.in · 30 Sep 2026
✗ no points
Axis ACE
Earns nothing here
Insurance excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Magnus
Earns nothing here
Insurance excluded from EDGE earn and fee waiver. Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables. axis.bank.in · 22 Aug 2026
✗ no points
Flipkart Axis Bank
Earns nothing here
Insurance services excluded (Mar 2023 MCC list). campaign.axis.bank.in · 22 Aug 2026
✗ no points
Airtel Axis Bank
Earns nothing here
Insurance services excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Bank Cashback
Earns nothing here
Insurance MCCs excluded from cashback. axis.bank.in · 22 Aug 2026
✗ no points
Axis Atlas
Earns nothing here
Insurance excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Privilege
Earns nothing here
Insurance excluded. axis.bank.in · 22 Aug 2026
✗ no points
Axis Reserve
Earns nothing here
Insurance excluded (Apr 2024). axis.bank.in · 22 Aug 2026
✗ no points
Axis Magnus for Burgundy
Earns nothing here
Insurance excluded from EDGE earn and fee waiver. Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables. 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
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 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
Fibe Axis Bank Credit Card
Earns nothing here
No cashback on rent, insurance, education or government service payments. 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 insurance premium payments. axis.bank.in · 2 Oct 2026
✗ no points
SBI Cashback Card
Earns nothing here
Insurance excluded. sbicard.com · 22 Aug 2026
✗ no points
Flipkart SBI Card
Earns nothing here
Insurance: 0% cashback (Flipkart card uses a different insurance MCC set than Cashback SBI Card). sbicard.com · 22 Aug 2026
✗ no points
SBI Card MILES
Earns nothing here
Insurance transactions earn nothing. sbicard.com · 21 Sep 2026
✗ no points
SBI Card MILES Prime
Earns nothing here
Insurance transactions earn nothing. sbicard.com · 21 Sep 2026
✗ no points
SBI Card MILES Elite
Earns nothing here
Insurance transactions earn nothing. sbicard.com · 21 Sep 2026
✗ no points
Kotak 811 #DreamDifferent
Earns nothing here
Insurance earns no cashback. 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
Insurance 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
Insurance 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
Insurance 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
Insurance earns nothing. kotak.bank.in · 21 Aug 2026
✗ no points
Kotak Air
Earns nothing here
Insurance earns nothing. kotak.bank.in · 21 Aug 2026
✗ no points
Kotak Air+
Earns nothing here
Insurance earns nothing. kotak.bank.in · 21 Sep 2026
✗ no points
Kotak Cashback+ Credit Card
Earns nothing here
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI. kotak.bank.in · 25 Sep 2026
✗ no points
Kotak UPI RuPay Credit Card
Earns nothing here
w.e.f. 1 June 2025: Insurance, Government and Online skill-based gaming transaction categories also discontinued from earning reward points. kotak.bank.in · 25 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
HSBC Live+
Earns nothing here
Insurance: 0% cashback. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC TravelOne
Earns nothing here
Insurance: no reward points. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC RuPay Cashback
Earns nothing here
Insurance: no cashback. hsbc.co.in · 22 Aug 2026
✗ no points
HSBC Taj Credit Card
Earns nothing here
No reward points on insurance payments. 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
Amex Membership Rewards
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a)). americanexpress.com · 22 Aug 2026
✗ no points
Amex Platinum Travel
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a)). americanexpress.com · 22 Aug 2026
✗ no points
Amex SmartEarn
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a)). americanexpress.com · 22 Aug 2026
✗ no points
Amex Platinum Reserve
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a)). americanexpress.com · 22 Aug 2026
✗ no points
Amex Gold Charge
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a)). americanexpress.com · 22 Aug 2026
✗ no points
Amex Platinum Charge
Earns nothing here
Insurance: no MR points (MR T&C Section III.1(a) - categories only, no MCC codes published). americanexpress.com · 22 Aug 2026
✗ no points
Scapia (Federal Bank)
Earns nothing here
Insurance earns nothing. res.cloudinary.com · 22 Aug 2026
✗ no points
IndianOil RBL XTra
Earns nothing here
Insurance (and miscellaneous 5960) earn nothing. webassets.rbl.bank.in · 22 Aug 2026
✗ no points
RBL Play (BookMyShow)
Earns nothing here
Insurance excluded from milestone/waiver spends. webassets.rbl.bank.in · 22 Aug 2026
✗ no points
YES Bank Marquee
Earns nothing here
Insurance earns nothing (MCC 6300/6381, Jun 2026). yes.bank.in · 20 Aug 2026
✗ no points
BOBCARD Eterna
Earns nothing here
Insurance earns nothing. media.bobcard.co.in · 22 Aug 2026
✗ no points
Shoprite Credit Card
Earns nothing here
Insurance premium payments earn no reward points. rbl.bank.in · 25 Sep 2026
✗ no points
Nova Credit Card
Earns nothing here
Insurance premium payments earn no reward points. rbl.bank.in · 25 Sep 2026
✗ no points
ELITE+
Earns nothing here
No reward points on insurance (from 15 Jun 2026). yes.bank.in · 25 Sep 2026
✗ no points
IRCTC BOBCARD
Earns nothing here
No reward points on insurance payments. media.bobcard.co.in · 25 Sep 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
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
Imperium Platinum Credit Card
Earns nothing here
No Delight Points on insurance premiums (MCC 6300, 6381, 5960), per the Credit Card MITC. idbibank.in · 1 Oct 2026
✗ no points
CUB CSK RuPay Platinum Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH RuPay Platinum Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master Platinum Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master Platinum Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB CSK Master World Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB SRH Master World Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach RuPay Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) earn no Reward Points. cityunionbank.bank.in · 2 Oct 2026
✗ no points
CUB Kavach Master Credit Card
Earns nothing here
Insurance payments (MCC 5960-6399) 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 insurance premium or insurance sales/underwriting transactions (MCC 6381, 6300). csb.bank.in · 2 Oct 2026
✗ no points
Edge CSB Bank Credit Card
Earns nothing here
Jewels are not awarded on insurance premium or insurance sales/underwriting transactions (MCC 6381, 6300). csb.bank.in · 2 Oct 2026
✗ no points
Eternal Credit Card
Earns nothing here
Insurance payments do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
Rhodium Credit Card
Earns nothing here
Insurance payments do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
SmartGen Credit Card
Earns nothing here
Insurance payments do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
superCard
Earns nothing here
Insurance, post office, transit (transport) and utilities payments do not earn cashback utkarsh.bank.in · 4 Oct 2026
✗ no points
Klick Credit Card
Earns nothing here
No YES Rewardz points on marketing/advertising category spends (no exact vocab category) 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.