MCC 6540 · POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load) · Financial
For MCC 6540 (POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load)) in India, none of the cards we track gives a bonus. 8 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.Amazon Pay ICICI Bank 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.HDFC Bank Regalia Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.American Express Membership Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.IDFC FIRST Millennia Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.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 6540 as their main code. Seen a different code? Report it.
For MCC 6540 (POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load)) in India, none of the cards we track gives a bonus. 8 cards (Axis Bank ACE Credit Card, Axis Bank Atlas Credit Card, Flipkart Axis Bank Credit Card…) earn nothing on this code.
MCC 6540 is the merchant category code for POI Funding Transactions (Excluding MoneySend) (Visa: Non-Financial Institutions – Stored Value Card Purchase/Load) (Financial). On Mastercard, 6540 covers point of interaction (POI) funding transactions other than MoneySend, used when a card is charged to fund another account such as a prepaid card or digital wallet. Visa's manual titles the same code Non-Financial Institutions – Stored Value Card Purchase/Load.
Merchants in India seen with MCC 6540 include GoSats, HDFC PayZapp, Jio Finance, MobiKwik, Paytm, PayZapp (HDFC Bank wallet), slice, Amazon Pay India. 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, HDFC Bank Millennia Credit Card, ICICI Bank Coral Credit Card, Kotak League Platinum Credit Card, CASHBACK SBI Card, SimplyCLICK SBI Card exclude MCC 6540 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.