What MCC code does SBI UniPay use for credit card transactions?
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)
Statement descriptors and business names linked to SBI UniPay:
Primary MCC
4900
Category
Utilities
Total MCC Codes
1
Available In
1 region
Data source
Reported by the community
Saw a different MCC for SBI UniPay on your statement?
Report the MCC you sawTerms checked 2026-09-30 · Issuer terms ·
No 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.