Transportation Services MCC Codes

Transportation Services (19 codes) covers ground and rail transport: MCC 4111 (Suburban and Local Commuter Passenger Transport, including ferries), 4112 (Passenger Railways — used for IRCTC bookings), 4131 (Bus Lines), 4722 (Travel Agencies and Tour Operators, used by MakeMyTrip, Yatra, and Goibibo), and 4784 (Bridge and Road Fees, Tolls, including FASTag top-ups on some issuers).

Several of these codes (4111, 4131, 4784) have seen a sharp rise in Indian search interest recently, likely from cardholders checking whether metro, bus, or toll payments qualify for a card's "travel" or "transport" reward category — they usually don't earn the same bonus rate as flights or hotels unless a card explicitly lists them.

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Showing 19 of 19 codes

Code	Reward Type	Description
4011	Travel	Railroads-Freight
4111	Travel	Transportation-Suburban and Local Commuter Passenger, including Ferries
4112	Travel	Passenger Railways
4119	Healthcare	Ambulance Services
4121	Travel	Taxicabs and Limousines
4131	Travel	Bus Lines
4214	Travel	Motor Freight Carriers,Trucking-Local/Long Distance, Moving and Storage Companies, Local Delivery
4215	Travel	Courier Services-Air and Ground, Freight Forwarders
4225	Travel	Public Warehousing-Farm Products, Refrigerated Goods, Household Goods Storage
4411	Travel	Cruise Lines
4457	Travel	Boat Leases and Boat Rentals
4468	Travel	Marinas, Marine Service/Supplies
4511	Travel	Air Carriers, Airlines-not elsewhere classified
4582	Travel	Airports, Airport Terminals, Flying Fields
4722	Travel	Travel Agencies and Tour Operators
4723	Travel	Package Tour Operators (Germany Only)
4761	Travel	Telemarketing of Travel Related Services and Vitamins
4784	Travel	Bridge and Road Fees, Tolls
4789	Travel	Transportation Services Not Elsewhere Classified

View the full MCC code listSearch or filter across all 914 codes How MCC Codes Affect Your Credit Card RewardsRead the full guide on unlocking more rewards from every swipe

Ground Transport Is Often Excluded From "Travel" Rewards

It's a common assumption that any transport-related spend qualifies for a card's travel reward category — in practice, most Indian travel cards reserve their best rates for Airlines, Car Rental, and Lodging, and treat this Transportation Services range (MCC 4111 commuter transport, 4112 passenger railways, 4131 bus lines, 4784 tolls) as standard-rate spend unless explicitly listed.

MCC 4112 is the code IRCTC bookings are filed under, and MCC 4722 (Travel Agencies and Tour Operators) — used by platforms like MakeMyTrip and Yatra — also sits in this range. Search interest in several of these codes has risen sharply in India recently, likely from cardholders checking whether metro, bus, or FASTag toll payments earn bonus rewards.

See the full MCC code list to search all 914 codes, or read how MCC codes affect your credit card rewards.

Browse MCC codes by official category

Agricultural Services0001–1499 Contracted Services1500–2999 Airlines3000–3299 Car Rental3300–3499 Lodging3500–3999 Utility Services4800–4999 Retail Outlet Services5000–5599 Clothing Stores5600–5699 Miscellaneous Stores5700–7299 Business Services7300–7999 Professional Services and Membership Organizations8000–8999 Government Services9000–9999