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All 5399 MCC not eligible for 5% CB - HDFC SWIGGY CARD

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b4bhar said:
Can you share the email? People were getting 7311 or something like that with swiggy card but not 5399.
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That might be for other sites like myntra etc. I got 5399 on MAXIMIZE site while purchasing giftcards of myntra. I got Same 5399 on SBI CASHBACK also for the same purchase. And the screenshot is already in the post(couple of comments from the top).
 
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Sagar56794 said:
That might be for other sites like myntra etc. I got 5399 on MAXIMIZE site while purchasing giftcards of myntra. I got Same 5399 on SBI CASHBACK also for the same purchase. And the screenshot is already in the post(couple of comments from the top).
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I checked with the CC after the purchase and they mentioned 5947 mcc which is related to gift cards. So, no cashback. Bear in mind that MCC is decided by the network provider. The network provider for SBI is VISa while Swiggy card is master card.
 
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Y
b4bhar said:
I checked with the CC after the purchase and they mentioned 5947 mcc which is related to gift cards. So, no cashback. Bear in mind that MCC is decided by the network provider. The network provider for SBI is VISa while Swiggy card is master card.
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You may be right but you are not getting my point. I have already made purchases on maximize website with sbi cb and HDFC SWIGGY. In both cases I called customer care to know MCC. In both cases customer care said MCC is 5399. In sbi cb I got 5% and in Swiggy I got 1% cashback. Then mailed HDFC team. And they said on HDFC SWIGGY only 4 merchants under 5399 MCC is eligible for 5%. In this case maximize is not included in those 4 sites. That's why only 1%. And as per my knowledge MCC codes are provided by the payment gateway(in this case it was razorpay) not by the networks. Like when you get merchant QR from Paytm or phonepay they provide your MCC based on your business you do but I may be wrong.
 
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Sagar56794 said:
Y

You may be right but you are not getting my point. I have already made purchases on maximize website with sbi cb and HDFC SWIGGY. In both cases I called customer care to know MCC. In both cases customer care said MCC is 5399. In sbi cb I got 5% and in Swiggy I got 1% cashback. Then mailed HDFC team. And they said on HDFC SWIGGY only 4 merchants under 5399 MCC is eligible for 5%. In this case maximize is not included in those 4 sites. That's why only 1%. And as per my knowledge MCC codes are provided by the payment gateway(in this case it was razorpay) not by the networks. Like when you get merchant QR from Paytm or phonepay they provide your MCC based on your business you do but I may be wrong.
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Slightly wrong. In case of VISA, MCC code is decided based on the industry the merchant gives to payment processor and acquirer bank to whom they belong to.

In case of Mastercard, Mastercard decides the merchant's industry, not the other way around.

Unfortunately for us, swiggy card is a Mastercard 🙂 Hence why I usually stay away from Mastercard.

And, banks do have the authority to decide which merchants can be allowed for offers within the sub category of a specific mcc.

Even my brother will be applying for Infinia card and nowadays infinia comes with Mastercard too, but I will clearly tell HDFC to issue the card on visa, not Mastercard.
 
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See MCC is not fixed it can change from time to time when MID changes. They are few tricks to force an MCC which are better kept private to prevent misuse. Mastercard is fine there is not much difference compared to Visa.
 
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Sagar56794 said:
Y

You may be right but you are not getting my point. I have already made purchases on maximize website with sbi cb and HDFC SWIGGY. In both cases I called customer care to know MCC. In both cases customer care said MCC is 5399. In sbi cb I got 5% and in Swiggy I got 1% cashback. Then mailed HDFC team. And they said on HDFC SWIGGY only 4 merchants under 5399 MCC is eligible for 5%. In this case maximize is not included in those 4 sites. That's why only 1%. And as per my knowledge MCC codes are provided by the payment gateway(in this case it was razorpay) not by the networks. Like when you get merchant QR from Paytm or phonepay they provide your MCC based on your business you do but I may be wrong.
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Payment gateway won't provide MCC I have a document how Mastercard decides MCC it is explained over there. And yes what you said about select merchants is correct. Even for Millenia 5% is eligible only on select merchants like maybe 10 of them.
 
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Sobirvs said:
Slightly wrong. In case of VISA, MCC code is decided based on the industry the merchant gives to payment processor and acquirer bank to whom they belong to.

In case of Mastercard, Mastercard decides the merchant's industry, not the other way around.

Unfortunately for us, swiggy card is a Mastercard 🙂 Hence why I usually stay away from Mastercard.

And, banks do have the authority to decide which merchants can be allowed for offers within the sub category of a specific mcc.

Even my brother will be applying for Infinia card and nowadays infinia comes with Mastercard too, but I will clearly tell HDFC to issue the card on visa, not Mastercard.
Click to expand...
Good to know. I didn't know all these. Thanks for clarifying.
 
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Sagar56794 said:
Y

You may be right but you are not getting my point. I have already made purchases on maximize website with sbi cb and HDFC SWIGGY. In both cases I called customer care to know MCC. In both cases customer care said MCC is 5399. In sbi cb I got 5% and in Swiggy I got 1% cashback. Then mailed HDFC team. And they said on HDFC SWIGGY only 4 merchants under 5399 MCC is eligible for 5%. In this case maximize is not included in those 4 sites. That's why only 1%. And as per my knowledge MCC codes are provided by the payment gateway(in this case it was razorpay) not by the networks. Like when you get merchant QR from Paytm or phonepay they provide your MCC based on your business you do but I may be wrong.
Click to expand...
I got 5% cashback on merchants other merchants as well. CC also told me that if the MCC is 5399, you will get 5% cb which is why i was pretty sure. CAn you raise it CC again? Many told that Maxime with swiggy card is not giving 5399 but 7311 or something with 7 series?
 
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b4bhar said:
I got 5% cashback on merchants other merchants as well. CC also told me that if the MCC is 5399, you will get 5% cb which is why i was pretty sure. CAn you raise it CC again? Many told that Maxime with swiggy card is not giving 5399 but 7311 or something with 7 series?
Click to expand...

I hold swiggy card, and can 100% confirm it doesn't give 5% on maximize. I have the statement and maximize charge on it, and it didn't give 5%.
 
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Sobirvs said:
Slightly wrong. In case of VISA, MCC code is decided based on the industry the merchant gives to payment processor and acquirer bank to whom they belong to.

In case of Mastercard, Mastercard decides the merchant's industry, not the other way around.

Unfortunately for us, swiggy card is a Mastercard 🙂 Hence why I usually stay away from Mastercard.

And, banks do have the authority to decide which merchants can be allowed for offers within the sub category of a specific mcc.

Even my brother will be applying for Infinia card and nowadays infinia comes with Mastercard too, but I will clearly tell HDFC to issue the card on visa, not Mastercard.
Click to expand...
What about rupay?
 
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CreditCardFino said:
Swiggy Blur it doesn't matter anyway
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So can i proceed without any headache of merchant name or MCC, as i was planning to get a gold coin from instamart using swiggy hdfc card, it would cost me 9k(After 1000Rs cashback from this card) for 24k 1gm coin. So, in a nutshell, ordering a gold coin from instamart would still fetch me 10% cashback, right?
 
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Lakshya Mahani said:
So can i proceed without any headache of merchant name or MCC, as i was planning to get a gold coin from instamart using swiggy hdfc card, it would cost me 9k(After 1000Rs cashback from this card) for 24k 1gm coin. So, in a nutshell, ordering a gold coin from instamart would still fetch me 10% cashback, right?
Click to expand...
Which coin is it share ss
 
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