MCC 6012 · Merchandise and Services (Financial Institutions) · Financial
For MCC 6012 (Merchandise and Services (Financial Institutions)) in India, none of the cards we track gives a bonus. 3 cards (Axis Bank ACE Credit Card, Flipkart Axis Bank Credit Card, CASHBACK SBI 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.Amazon Pay ICICI Bank Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.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.Axis Bank Atlas Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.ICICI Bank Coral Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.IDFC FIRST Millennia Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
8.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 6012 as their main code. Seen a different code? Report it.
For MCC 6012 (Merchandise and Services (Financial Institutions)) in India, none of the cards we track gives a bonus. 3 cards (Axis Bank ACE Credit Card, Flipkart Axis Bank Credit Card, CASHBACK SBI Card) earn nothing on this code.
MCC 6012 is the merchant category code for Merchandise and Services (Financial Institutions) (Financial). MCC 6012 covers merchandise and services sold by financial institutions, such as fees for banking services, loan payments, and purchases of financial products from banks. It is often confused with 6011 (automated cash disbursements, ATMs) and 6010 (manual cash disbursements). It is commonly treated as a high-risk category.
Merchants in India seen with MCC 6012 include Canara Setu, Trip.com. A merchant's MCC can differ by payment channel, so check the code on your statement.
Axis Bank ACE Credit Card, Flipkart Axis Bank Credit Card, CASHBACK SBI Card exclude MCC 6012 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.