HDFC Swiggy cashback issue

[J Banerjee]

I’ve been facing a recurring issue with the cashback calculation on my Swiggy HDFC card. Each month, certain transactions that should qualify for 5% cashback—such as those made on Amazon or Meesho—are only earning 1%.

Whenever I contact customer support, they attribute it to the merchant category code (MCC), stating that the transaction falls under a vendor not eligible for 5% cashback.

My question is: is there any way to prevent this issue? Specifically, is it possible to determine the MCC of a merchant (like Amazon or Meesho) before making a transaction on online platforms?

 

[shashishekhar94]

I am facing the same problem. It is one of reason i am not using HDFC swiggy card.

 

[TaxWiser]

I faced a similar issue in May, so I wrote an email to HDFC CC Customer Support

describing the problem and included screenshots of the relevant transactions and my statement. Initially, I received the same response: Transaction not eligible due to MCC code.... blah blah

To verify, I reviewed my previous orders and past statements, and found that I had consistently received 5% cashback for similar transactions from both Amazon and Flipkart. I sent this evidence to HDFC, stating that this transaction should also qualify for the 5% cashback, as you had previously credited cashback for similar purchases from the same app. Subsequently, I received following response and the full cashback amount was credited to my account by the end of the month.


Fun fact: According to their cashback capping policy, I was eligible for ₹1500 in total. Interestingly, they credited absolute 1%(₹351.08) + 4%(₹1404.32) cashback.

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