Bad news for SBI Cashback card Travel spend Reported MCC 4112 (no cashback on this MCC)

[Abhishek012]

Bad news for SBI Cashback card Travel spend Reported MCC 4112 (no cashback on this MCC):​

MCC 4112 is Railway category.

When we book Airline tickets on Cleartrip, Makemytrip, Yatra, Easymytrip websites/app. These merchant transactions reported MCC is 4112 and we will not get any cashback.

Please share other travel booking website, where you get cashback on airline tickets using SBI Cashback credit card.

5% Cashback eligible merchants list for flight bookings, shared by other users -

1) For flight booking on Agoda, got 5% cashback (Category - Lodging)

2) Booking on tataneu/airasia got the 5% cashback

3) i got for happyfares

4) Got cashback on Paytm flight booking

5) Intermiles

6) one person shared this - Booked flight tickets on Yatra website. Used Amazon pay payment gateway and paid via sbi cashback cc. Got 5%.

 

[Dragon_slayer]

I am going to complain as well

 

[pankaj_ji]

Bad news for SBI Cashback card Travel spend Reported MCC 4112 (no cashback on this MCC):​

MCC 4112 is Railway category.

When we book Airline tickets on Cleartrip, Makemytrip, Yatra, Easymytrip websites/app. These merchant transactions reported MCC is 4112 and we will not get any cashback.

Please share other travel booking website, where you get cashback on airline tickets using SBI Cashback credit card.

5% Cashback eligible merchants list for flight bookings, shared by other users -

1) For flight booking on Agoda, got 5% cashback (Category - Lodging)

2) Booking on tataneu/airasia got the 5% cashback

3) i got for happyfares

4) Got cashback on Paytm flight booking

5) Intermiles

I got it for Happyfares site.

Did booking in 2nd june, but once it showed transaction settled, but not received cashback till that time, but after 10 hours of transaction, got the cashback so, all wait atleast 3 days for cashback after transaction

 

[Abhishek012]

I didnt got it for Happyfares site.

Did booking in 2nd june, but not received cashback so it seems that after 1st june, they may have updated their terms

Your transaction is settled ? Wait 1 more day.

 

[pankaj_ji]

Your transaction is settled ? Wait 1 more day.

Got it now, 7-8 hours after settlement of transaction

 

[pratikjain4]

Let us all register complaints via SBI app / emails / otherwise for our missing cashbacks due to incorrect MCC for our genuine spends.. And lets hope some action would be taken considering the number of complaints..

 

[pankaj_ji]

Happyfares is working as of now (2nd june) for cashback

 

[makman]

I am struggling to understand is it SBI to set 4112 for only railway ticket transactions from merchant and some other MCC for other travel transactions?

 

[Akash Topder]

So whose to blame here? Is it SBI's fault or is it the fault of those 4 websites/app companies?

 

[ydharia]

So whose to blame here? Is it SBI's fault or is it the fault of those 4 websites/app companies?

card issuer as per google

 

[Shubham Mishra]

It is assigned by card company as per wikipedia, we need to report it to get it correct - https://en.wikipedia.org/wiki/Merch...s are assigned either by,as a form of payment.

 

[Akash Topder]

It is assigned by card company as per wikipedia, we need to report it to get it correct - https://en.wikipedia.org/wiki/Merchant_category_code#:~:text=MCCs are assigned either by,as a form of payment.

So TFC members should mass report it or something!

 

[Shubham Mishra]

So TFC members should mass report it or something!

yes, we should mass report it. Also, can we ask the admin to raise this on Twitter, and if someone knows, about any RBI guidelines related to the wrong MCC assignments, we can leverage that to force SBI to correct it?

 

[Vatsal Dhanuka]

does it give 5% on goibibo

 

[Rohith_Kumar_Sp]

So how is that fair if banks can simply assign wrong MCC becusee they can and change the rules to avoid cashback?

 

[VISHESH_BANSAL]

So how is that fair if banks can simply assign wrong MCC becusee they can and change the rules to avoid cashback?

MCC is assigned by Acquirer Bank not Card Issuer Bank.

If Card Issuer Bank assign the MCC on their own then not a single txn would fetch RP/Cashback

 

[Rohith_Kumar_Sp]

MCC is assigned by Acquirer Bank not Card Issuer Bank.

If Card Issuer Bank assign the MCC on their own then not a single txn would fetch RP/Cashback

So in this case shows assigning those flight tickets the MCC if not for sbi? What do you mean card issuer bank? In this case it's sbi who issuers the card no.?

 

[VISHESH_BANSAL]

So in this case shows assigning those flight tickets the MCC if not for sbi? What do you mean card issuer bank? In this case it's sbi who issuers the card no.?

If you are Using an SBI Card for making a Payment, then Card issuer Bank is SBI.

Acquire Bank is the Bank which Facilitate the Payment Process with the Help of Payment Gateways like Razrorpay, PayU, CCAVENUE, Paytm etc...

Acquire Bank assign the MCC according to the details provided by the Merchant to the Payment Gateway during Sign Up process.

When Txn settlement happens Acquire Bank Provides MCC to Card Issuer Bank and then Card issuer Bank gives RP/Cashback as per Tncs.

 

[Rohith_Kumar_Sp]

If you are Using an SBI Card for making a Payment, then Card issuer Bank is SBI.

Acquire Bank is the Bank which Facilitate the Payment Process with the Help of Payment Gateways like Razrorpay, PayU, CCAVENUE, Paytm etc...

Acquire Bank assign the MCC according to the details provided by the Merchant to the Payment Gateway during Sign Up process.

When Txn settlement happens Acquire Bank Provides MCC to Card Issuer Bank and then Card issuer Bank gives RP/Cashback as per Tncs.

Hence my confusion, so sbi issues the card and who's the aquired bank for these flights and how can they assign wrong MCC without any repercussions? What if the bank collude with aquire bank to avoid cb?

 

[VISHESH_BANSAL]

Hence my confusion, so sbi issues the card and who's the aquired bank for these flights and how can they assign wrong MCC without any repercussions?

I already mentioned Acquirer Bank will Assign MCC based on the Details provided by the Merchant to the Payment Gateway during Sign Up process.
All these flight Booking Website Provide Train Ticket Booking also.
Merchant is not using different terminals for Processing different Categories of txns and Henc All txns are tagged with Same MCC

What if the bank collude with aquire bank to avoid cb?

Now You are overthinking.

Txn Done through any Card of any Bank at Same terminal ID with Same Acquirer ID will Carry same MCC untill and Unless Payment Gateway and Acquire Bank Make changes at Backend.


As per your thoughts, SBI will ask Acquirer Bank take extra 1% MDR from me but please tag the MCC of Railway, Utility, Education Fee , Wallet Funding etc...

 

[makman]

So to sum up, it's the merchant at fault and not SBI for reusing railway MCC with acquirer bank for all travel transactions. Then how will we rectify this raising this with SBI?

I already mentioned Acquirer Bank will Assign MCC based on the Details provided by the Merchant to the Payment Gateway during Sign Up process.
All these flight Booking Website Provide Train Ticket Booking also.
Merchant is not using different terminals for Processing different Categories of txns and Henc All txns are tagged with Same MCC

Now You are overthinking.

Txn Done through any Card of any Bank at Same terminal ID with Same Acquirer ID will Carry same MCC untill and Unless Payment Gateway and Acquire Bank Make changes at Backend.


As per your thoughts, SBI will ask Acquirer Bank take extra 1% MDR from me but please tag the MCC of Railway, Utility, Education Fee , Wallet Funding etc...