Utility MCC usage limit Thread

234°
Deal Subedar
MrThanos

Slowly every bank are bringing usage restrictions on infamous 4900 utility MCC. Most of them are charging 1%+GST. I have noted below a few I know. These limits may not apply to premium cards. Please mention, if you know more.

  1. SBI - 50000 pm
    • All cards
  2. ICICI- 50000 pm
    • All cards
  3. IDFC- 20000 pm
    • All cards except FIRST Private, LIC Classic, LIC Select
  4. AXIS- 25000 pm
    • Confirmed- Flipkart, Ace, Airtel
  5. BOB- 50000 pm (3000 per transaction)
    • All cards
  6. HDFC - 50000 pm
    • 75000 pm for business cards
  7. YES Bank- 15000 pm
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Top Comments
Deal Cadet Deal Cadet
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No point in this thread banks revise the limits time to time and you cannot edit the post after one day.

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Finance Ninja Finance Ninja
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Interesting post:) VU+ lets get more answers to keep track of these planned things from Banks and credit card issuers:)


another similar thread is there (NOT SAME but similar),

incase if you like do check that as well (just sharing for info)

https://www.desidime.com/discussions/please-com...

Deal Cadet Deal Cadet
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No point in this thread banks revise the limits time to time and you cannot edit the post after one day.

Deal Cadet Deal Cadet
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better to make an google sheet and link that on 1 post
and keep updating that sheet
Deal Captain Deal Captain
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thanos bro snap kar kye sari exception hata do credit card mye sye 👐

Deal Newbie Deal Newbie
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Axis privilege card ka bato

Generous Generous
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Per transaction 3k? Ye kidhar se liye?.. i think hdfc hqs 50k per transaction.. but lets assume it si 50k monthly.. but how its 3k per transaction?

Deal Subedar Deal Subedar
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Yeah, my mistake. I had read that wrong. Maximum charges capped at 3k.
Generous Generous
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Indus has 20k wallet load and 25k utility restrictions.. with rewrd..

Axis has restrictions of 25k but also no rewrds on utility.

Bob no rewards on utility neither on wallet.. have bob select

Yes bank 15k utility restrictions

Wallet load charges even for 1 rs .

Rbl 50k utility restrictions

Unaffected one is kotak till now

Budding Star Budding Star
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Better to add reward rate for utility in deal wiki

Keep commenting if any one having idea about reward rate

Post Tycoon Post Tycoon
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Does it apply for insurance payment as well?

Savings Mentor Savings Mentor
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Nice idea. Create a deal wiki admins so it can be edited later on

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