MCC 5651 · Family Clothing Stores · Retail
For MCC 5651 (Family Clothing Stores) in Hong Kong, none of the cards we track gives a bonus.
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value.
1.HSBC EveryMile Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
2.American Express Explorer Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.DBS Black World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.Standard Chartered Cathay Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Standard Chartered Simply Cash Visa Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.DBS Eminent Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.Standard Chartered Smart Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.BOC Chill World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Hang Seng MMPOWER World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Hang Seng Travel+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
9.HSBC Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Citi Rewards Card
Shopping and Entertainment (local, overseas and online)
1 basic point + 7.1 extra points per HK$1 = 8.1X, which Citi states is equivalent to a 3% points rebate. MCCs are listed in the T&Cs. Valid from 31 Oct 2024 until further notice. Extra points credited about 3 months after posting.
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 5651 as their main code. Seen a different code? Report it.
For MCC 5651 (Family Clothing Stores) in Hong Kong, none of the cards we track gives a bonus.
MCC 5651 is the merchant category code for Family Clothing Stores (Retail). MCC 5651 covers family clothing stores selling apparel for men, women, and children in one store. It is often confused with 5621 (Women's Ready-to-Wear Stores), 5691 (Men's and Women's Clothing Stores), and 5311 (Department Stores) for larger multi-category retailers. Classification can vary by country and store format.
Merchants in Hong Kong seen with MCC 5651 include ad-lib, Jack Wills, Sweaty Betty, 佐丹奴 Giordano, 李寧 Li-Ning, 班尼路 Baleno. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.