diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
index 192594656a..bb3a447bb7 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
@@ -141,6 +141,7 @@ import com.navi.pay.onboarding.account.common.model.view.VpaStatus
 import com.navi.pay.onboarding.account.detail.model.view.LinkedAccountEntity
 import com.navi.pay.onboarding.common.NaviPayOnboardingActionsType
 import com.navi.pay.onboarding.common.view.OnboardingIntentData
+import com.navi.pay.utils.ALL_ENABLED_ACCOUNTS
 import com.navi.pay.utils.AMOUNT_MAX_LENGTH
 import com.navi.pay.utils.AMOUNT_MAX_LENGTH_AFTER_DECIMAL
 import com.navi.pay.utils.AMOUNT_MAX_LENGTH_BEFORE_DECIMAL
@@ -150,6 +151,7 @@ import com.navi.pay.utils.AT_THE_RATE_CHAR
 import com.navi.pay.utils.BANK_ACCOUNT_UNIQUE_ID
 import com.navi.pay.utils.COLLECT_REQUEST_ERROR
 import com.navi.pay.utils.CREDIT_CARD_AND_SAVINGS_ONLY_ENABLED_ACCOUNTS
+import com.navi.pay.utils.CREDIT_LINE_AND_SAVINGS_ONLY_ENABLED_ACCOUNTS
 import com.navi.pay.utils.DEFAULT_CONFIG
 import com.navi.pay.utils.DEFAULT_UPI_PURPOSE
 import com.navi.pay.utils.DS_KEY_NAVI_PAY_CUSTOMER_STATUS
@@ -261,6 +263,27 @@ constructor(
     private val upiLiteAnalytics: NaviPayAnalytics.NaviPayUPILite =
         NaviPayAnalytics.INSTANCE.NaviPayUPILite()
 
+    private val mccForRccAndClNotSupported =
+        listOf(
+            "6010",
+            "6012",
+            "6013",
+            "7407",
+            "7408",
+            "7409",
+            "0000",
+            "6011",
+            "6051",
+            "6211",
+            "7322",
+            "7800",
+            "7801",
+            "7995",
+            "7802",
+            "9406",
+            "4829",
+        )
+
     private val _bankAccountsState = MutableStateFlow<BankAccountsState>(BankAccountsState.Loading)
     val bankAccountsState = _bankAccountsState.asStateFlow()
 
@@ -1164,7 +1187,11 @@ constructor(
 
         // Credit card checks
         if (linkedAccountEntity.accountType == AccountType.CREDIT.name) {
-            if (!payeeEntity.value.isMerchant || transactionType == UpiTransactionType.SELF_PAY) {
+            if (
+                !payeeEntity.value.isMerchant ||
+                    payeeEntity.value.mcc in mccForRccAndClNotSupported ||
+                    transactionType == UpiTransactionType.SELF_PAY
+            ) {
                 linkedAccountEntity.eligibilityState =
                     EligibilityState(
                         isAccountEligible = false,
@@ -1177,7 +1204,11 @@ constructor(
 
         // Credit line checks
         if (linkedAccountEntity.accountType == AccountType.UPICREDIT.name) {
-            if (!payeeEntity.value.isMerchant || transactionType == UpiTransactionType.SELF_PAY) {
+            if (
+                !payeeEntity.value.isMerchant ||
+                    payeeEntity.value.mcc in mccForRccAndClNotSupported ||
+                    transactionType == UpiTransactionType.SELF_PAY
+            ) {
                 linkedAccountEntity.eligibilityState =
                     EligibilityState(
                         isAccountEligible = false,
@@ -1811,10 +1842,9 @@ constructor(
                 // Show add account if all accounts are ineligible
                 bankAccountState is BankAccountsState.AccountList &&
                     bankAccountState.accounts.none { it.eligibilityState.isAccountEligible } -> {
-                    val isRccEnabled = isRccEnabledForAddition()
                     SendMoneyMainCtaState.AddAccount(
                         ctaText =
-                            if (isRccEnabled)
+                            if (isRccEnabledForTransaction() || isClEnabledForTransaction())
                                 resourceProvider.getString(resId = R.string.add_account)
                             else resourceProvider.getString(resId = R.string.add_bank_account)
                     )
@@ -3177,24 +3207,35 @@ constructor(
         }
     }
 
-    private fun isRccEnabledForAddition(): Boolean {
+    private fun isRccEnabledForTransaction(): Boolean {
         val paymentAmount = paymentAmount.value.text.toDoubleOrNull() ?: 0.0
-        return payeeEntity.value.mcc.isNotNullAndNotEmpty() &&
+        return payeeEntity.value.isMerchant &&
+            payeeEntity.value.mcc !in mccForRccAndClNotSupported &&
             accountEligibilityMerchantHelper.getAccountEligibility(
                 eligibility = accountTypeEligibilityMap[AccountEligibilityMerchantHelper.CREDIT],
                 amount = paymentAmount,
             )
     }
 
+    private fun isClEnabledForTransaction(): Boolean {
+        val paymentAmount = paymentAmount.value.text.toDoubleOrNull() ?: 0.0
+        return payeeEntity.value.isMerchant &&
+            payeeEntity.value.mcc !in mccForRccAndClNotSupported &&
+            accountEligibilityMerchantHelper.getAccountEligibility(
+                eligibility = accountTypeEligibilityMap[AccountEligibilityMerchantHelper.UPICREDIT],
+                amount = paymentAmount,
+            )
+    }
+
     fun addAccountSdkAction() {
         viewModelScope.launch(Dispatchers.IO) {
             val onboardingAction = NaviPayOnboardingActionsType.ACCOUNT_ADDITION.name
-
-            val isRccEnabledForAddition = isRccEnabledForAddition()
-
             val enabledAccountTypes =
                 when {
-                    isRccEnabledForAddition -> CREDIT_CARD_AND_SAVINGS_ONLY_ENABLED_ACCOUNTS
+                    isRccEnabledForTransaction() && isClEnabledForTransaction() ->
+                        ALL_ENABLED_ACCOUNTS
+                    isRccEnabledForTransaction() -> CREDIT_CARD_AND_SAVINGS_ONLY_ENABLED_ACCOUNTS
+                    isClEnabledForTransaction() -> CREDIT_LINE_AND_SAVINGS_ONLY_ENABLED_ACCOUNTS
                     else -> SAVINGS_ONLY_ENABLED_ACCOUNTS
                 }