True. I have HSBC Live + with visa and Swiggy with mastercard network. I bought amazon gift voucher from amazon it itself with both the cards, but the customer care informed me different MCCs for the same. Swiggy with mastercard got 5947 MCC which is gift card MCC and doesnt give any cashback with SBI CB card. But HSBC Live+ got the MCC as 5699 which is apparel MCC. Strangely with AU LIT card, they mentioned it as 5399 MCC. This MCC game is really tough to understand.