What MCC code does Swiggy Instamart use for credit card transactions?
Swiggy Instamart 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 Swiggy Instamart:
1.HDFC Bank Millennia Credit Card
5% CashBack on 10 online merchants
5% total (not 5% + 1%). Paid as CashPoints (1 CashPoint = ₹1 against the statement). Recognised by the merchants' terminal/merchant IDs (TID/MID); a transaction whose TID/MID is not in HDFC's set-up does not qualify. Non-EMI spends only: EMI purchases, even at these merchants, earn nothing. Uber qualifies only for travel/commute spends under MCC 4121. Gift card, prepaid card, wallet-load and voucher purchases (MCC 6540), even at these merchants, do not get 5%. Purchases from these merchants made through SmartBuy or PayZapp earn only 1% (plus any separate SmartBuy/PayZapp offer).
Terms checked 2026-09-30 · Issuer terms ·
Statement descriptors and business names linked to Swiggy Instamart:
Primary MCC
5814
Category
Food
Total MCC Codes
3
Available In
1 region
Data source
Reported by the community
Saw a different MCC for Swiggy Instamart on your statement?
Report the MCC you saw2.Axis Bank ACE Credit Card
Swiggy, Zomato and Ola
Website and mobile app of Swiggy, Zomato and Ola; accelerated cashback is identified by the merchants' MIDs. Axis says the merchant list can change without notice. The list was unchanged on the issuer page as of Sep 2026.
Terms checked 2026-09-30 · Issuer terms ·
3.Flipkart Axis Bank Credit Card
Preferred merchants
Unlimited 4%. Preferred-partner list from Axis PDF (Jul 2026): FITPASS, Stoga by FITPASS, PVR, Swiggy, Uber. Axis can change it without notice. Swiggy: only food-delivery orders qualify; Instamart, Genie etc. do not.
Terms checked 2026-09-30 · Issuer terms ·
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.