I have been using Airtel Axis Credit card for payment of my Airtel Phone as well as Black bills. However when the statement arrived this month, i could see that both the bills are counted as part of Utilities section for 10% cashback and not the 25% section as in the terms and condition. This has been happening for more than 2 statements now and the cashback is not correct. Does anyone have an idea on how to resolve this? Does any mail help? If yes, can some one share the deets for the same. Attaching the latest mail reply that i have got. Note: I have been using the Airtel thanks app for bill payment and have setup an auto debit for my Airtel Black Bill.
"According to our record, the transactions of Rs 1720/- made on March 18, 2024 and Rs 719/- made on April 11, 2024 are classified as utilities bill payments. Therefore, if you use the Airtel Thanks app to pay your utility bill, you won't get a 25% cashback. On the other hand, you will be rewarded with 10% cashback.
Cashback will be allocated for credit card transactions depending on merchant category codes.
Merchant category codes are not assigned by banks, but rather by the merchant's acquiring bank, according to definitions provided by the networks. The bank is given the MCC code for every transaction in the settlement file by the network, but it cannot determine or modify it.
We really appreciate your cooperation and patience in the interim."