Secret Merchants
Hidden gems and strategies for maximizing rewards at specific merchants
Zepto / Blinkit / Swiggy Instamart
Pro Tips:
- 💡Quick-commerce apps code as Grocery (MCC 5411), earning 5X on Equitas Selfe
- 💡Cap is 2,000 points/month across all grocery MCCs; split orders across the month to stay under cap
- 💡Use UPI on these apps; Equitas Selfe rewards apply on UPI-linked card payments too
Recommended Cards:
Myntra / Ajio / Meesho
Pro Tips:
- 💡Fashion platforms code as Apparel (MCC 5691/5651), earning 5X on Equitas Selfe with no published cap
- 💡Sale events (Big Fashion Festival, End of Reason Sale) are ideal for hitting Diamond tier spend quickly
- 💡Combine with bank card offers during sale events for extra cashback on top of reward points
Recommended Cards:
Tata Power / BESCOM (Utility Bills)
Pro Tips:
- 💡Electricity and utility bill payments code as MCC 4900, earning 5X on Equitas Selfe
- 💡Pay bills via card on the issuer portal or BBPS; avoid third-party payment apps that recode as wallet/fintech
- 💡Utility and telecom recharges combined can easily contribute ₹5,000–₹10,000/month toward Diamond tier
Recommended Cards:
💡 Pro Strategy
Always check the specific merchant portal on your card issuer's website for additional bonuses. Some cards offer extra points for purchases made through their app or website.