Transactions done on the below select Merchant Categories and MCCs will not accrue any CRED Reward Points:

Exclusion for Transactions done on CRED App or Outside CRED App:

• School & Educational Services (5111, 5192, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351)
• Govt. Institutions (09211, 09222, 09232, 09311, 09399, 09402, 8931) 
• Wallet loads (6540, 6541, 8999, 6538)
• Rent (6513, 6012, 6051)
• Digital Gold (5412)
• Tolls & Fastag (9399, 4784) 
• CBDC (7411)
• Jewelry (5944, 5094, 5051)
• Forex Retail/Quasi Cash (6010, 6011, 6012, 6051)
• Fuel (05983, 05172, 05542, 05541) 

Exclusion for Transactions done Outside CRED App:

• Non CRED UPI transactions

• Insurance (5960, 6300, 6381,6399, 5960)

• Utilities (4900, 4812, 4814, 4815, 4816, 4899, 9399)