decode merchant category codes

Merchant Category Codes (MCCs) for Swiggy HDFC Credit Card

While Swiggy One Cashback Benefits can help a Swiggy HDFC Credit Card Holder earn a sweet 10% cashback. Understanding Swiggy HDFC MCC codes for brands and merchants is the difference between earning 5% and 1% cashback. The lack of transparency on MCC codes for each merchant can be frustrating for cardholders and reduce their ability to maximise cashback rewards.

On this page, we collect and share information on Swiggy HDFC credit card merchant MCC codes with details on cashback levels, which you can earn on your spending. The data is collected through publicly available sources and information shared by other Swiggy HDFC credit cardholders.

Eligible MCC Codes for 5% Cashback

The table provides Category Names and Merchant Category Codes (MCCs) eligible for the 5% cashback on online purchases using the Swiggy HDFC Bank Credit Card

CategoryMerchant Codes (MCCs)
Apparels5137, 5139, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5697, 5699, 5948
Department Store 5200, 5300, 5311, 5331, 5949, 5973
Electronics 1731, 5045, 5046, 5065, 5099, 5722, 5732, 5734, 5946, 7372, 7622, 7623, 7629, 7631
Entertainment 4411, 4899, 5193, 5992, 7032, 7033, 7333, 7832, 7911, 7922, 7929, 7933, 7991, 7996, 7997
Home Decor5198, 5211, 5231, 5251, 5712, 5713, 5714, 5718, 5719, 5950, 7641
Pharmacies5122, 5912, 5975, 8042, 8043
Personal Care5977, 7230, 7297, 7298
Local Cabs4121, 4111, 5511, 5521, 7512
Online Pet Stores 5192, 5733, 5735, 5941, 5942, 5945, 5995, 7829, 7941
Discount Stores5399
Notes:
> Only merchants mapped under the above list of MCCs are eligible for a 5% Cashback Category
> Gift cards and groceries purchased on the 5% eligible merchants and MCCs won’t earn any cashback.
> A capping of ₹1,500 per billing per cycle is applicable on eligible 5% Cashback categories with Swiggy HDFC Bank Credit Card

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Swiggy HDFC MCC and Cashback Categories of Major Brands and Merchants

The table provides information on Swiggy HDFC Bank Credit Card MCC codes and cashback categories of major online Indian brands and merchants.

S.No.Brand/Merchant MCC CategoryCashback Source of Cashback Details
1Amazon Discount Stores5%SHMCC verified purchases
2FlipkartDiscount Stores5%HDFC and Swiggy advertisements
3MyntraApparels5%SHMCC verified purchases
4BookMyShowEntertainment5%HDFC and Swiggy advertisements
5NykaaPersonal Care5%HDFC and Swiggy advertisements
6Ola CabsLocal Cabs5%Swiggy HDFC Card documentation
7UberLocal Cabs5%Swiggy HDFC Card documentation
8ZoomcarLocal Cabs5%Swiggy HDFC Card documentation
9AjioDiscount Stores5%Swiggy HDFC Card documentation
10MeeshoDiscount Stores5%Swiggy HDFC Card documentation
111mgPharmacies5%HDFC and Swiggy advertisements
12Dominos PizzaRestaurant 1%SHMCC verified purchases
13ZeptoOnline Grocery1%SHMCC verified purchases
14PharmEasyPharmacies5%Online forum (unverified by SHMCC)
15MedPlusPharmacies1%Online forum (unverified by SHMCC)
16CloviaApparels5%Online forum (unverified by SHMCC)
17WildCraftApparels5%Online forum (unverified by SHMCC)
18Kamal ImagingElectronics5%SHMCC verified purchases
19Max FashionApparels5%Online forum (unverified by SHMCC)
20SamsungElectronics5%SHMCC User Submission
21NetflixEntertainment1%SHMCC verified purchases
22IndigoAirlines1%SHMCC verified purchases
23Eat ClubFood Delivery App1%SHMCC verified purchases
24LiciousOnline Meat Store1%SHMCC verified purchases
25Robu.inElectronics5%SHMCC verified purchases
26DmartGrocery1%SHMCC User Submission
27CleartaxTaxation Services1%SHMCC User Submission
28Urban CompanyHome Services1%SHMCC User Submission
Note: The Swiggy HDFC MCC codes for brands and merchants, and related cashback categories have been identified through data shared by Swiggy HDFC card holders and information shared publicly by HDFC or Swiggy. The data collected from online forums will be marked as unverified unless SHMCC completes a transaction independently or verifies it through evidence.

Cashback levels for the following brands to be revealed soon: Shoppers Stop; Pantaloons; Jio Mart; Reliance Digital; LifeStyle; Decathlon; Big Basket; PVR Cinemas; Snapdeal; Tata Cliq, and more

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