The SmartSpend Blog

Know before you swipe.

Credit card devaluations, rule changes and reward guides for India. The fine print that quietly costs you points.

Guide 15 August 2026 ·6 min read

What is an MCC code, and why your card paid 1X instead of 5X

Your card rewards a four-digit merchant category code (MCC), not the shop you paid. That is why the same purchase can pay 5X or 1X, and how to check a category before you spend.
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