What MCC code does PhonePe use for credit card transactions?
Telecommunication Services, Telecommunication service including local and long-distance calls, credit card calls, calls through the use of magnetic-strip reading telephones and fax services
PhonePe transactions can post under more than one MCC. The code depends on how you pay (in store, online, in-app, wallet top-up, bill payment) and, for marketplaces and platforms, on which seller or payment provider processes the transaction. Codes seen for PhonePe:
2.HDFC Bank Millennia Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Primary MCC
4814
Category
Telecommunications
Total MCC Codes
3
Available In
1 region
Data source
Reported by the community
Saw a different MCC for PhonePe on your statement?
Report the MCC you sawNo rewards on this code: Axis Bank ACE Credit Card, Axis Bank Atlas Credit Card, Flipkart Axis Bank Credit Card, Amazon Pay ICICI Bank Credit Card, CASHBACK SBI Card.
Based on published card terms; the MCC can differ by payment channel, so check your statement.
Access our API for real-time MCC lookups and merchant data.