MCC 4900 · Utilities – Electric, Gas, Water, and Sanitary · Utilities
For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) in India, the AU Altura Credit Card gives the highest cashback at 2% (cap: ₹50 cashback per statement cycle (shared 2% bucket with grocery/departmental stores)). 5 cards (Axis Bank ACE Credit Card, Axis Bank Atlas Credit Card, Flipkart Axis Bank Credit Card…) earn nothing on this code.
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.AU Altura Credit Card
Utility bill payments (2%)
2% cashback on utility bill payments. AU's KFS/MITC defines 'Utility Spends' as MCC 4900. BBPS transactions are not eligible for cashback (since 1 Apr 2024), so utility bills paid via BBPS earn nothing; pay the biller directly. Fair-usage fee of 1% on utility spends above ₹50,000 in a calendar month.
Terms checked 2026-09-30 · Issuer terms ·
2.HDFC Bank Millennia Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.HDFC Bank Infinia Credit Card (Metal Edition)
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
2.Kotak League Platinum Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.HDFC Bank Regalia Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.American Express Membership Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.ICICI Bank Coral Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.IDFC FIRST Millennia Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Tata Neu Infinity HDFC Bank Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 4900 as their main code. Seen a different code? Report it.
For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) in India, the AU Altura Credit Card gives the highest cashback at 2% (cap: ₹50 cashback per statement cycle (shared 2% bucket with grocery/departmental stores)). 5 cards (Axis Bank ACE Credit Card, Axis Bank Atlas Credit Card, Flipkart Axis Bank Credit Card…) earn nothing on this code.
MCC 4900 is the merchant category code for Utilities – Electric, Gas, Water, and Sanitary (Utilities). Covers utility services, including electricity, gas, water and sanitation billed to households and businesses. Utility bill payments, including those made to electricity retailers and utility billing agents, commonly use this code. Cable, satellite and pay TV are coded separately under 4899.
Merchants in India seen with MCC 4900 include Freecharge, SBI UniPay, MobiKwik. A merchant's MCC can differ by payment channel, so check the code on your statement.
Axis Bank ACE Credit Card, Axis Bank Atlas Credit Card, Flipkart Axis Bank Credit Card, Amazon Pay ICICI Bank Credit Card, CASHBACK SBI Card exclude MCC 4900 from rewards according to their terms and conditions.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.