MCC 5814 · Fast Food Restaurants · Food
For MCC 5814 (Fast Food Restaurants) in Hong Kong, the Standard Chartered Cathay Mastercard earns the most miles at 0.25 mpd, and the DBS Eminent Visa Signature Card gives the highest cashback at 5% (cap: First HK$8,000 of Designated Categories spend (dining, sportswear, fitness clubs, medical combined) per calendar month; 0.4% thereafter).
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.Standard Chartered Cathay Mastercard
Dining in Hong Kong (posted in HKD)
HK$4 = 1 Asia Mile (includes the base HK$6 = 1 mile). Dining = restaurants/dining merchants per Mastercard merchant codes (mapped here to 5812/5814); excludes banquets, private parties/kitchens, F&B in hotels, food courts, supermarkets, department stores, clubhouses. Selected Categories offer runs 1 Jan - 31 Dec 2026.
Terms checked 2026-09-30 · Issuer terms ·
2.HSBC EveryMile Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.American Express Explorer Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.DBS Black World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.DBS Eminent Visa Signature Card
Dining (single transaction HK$300+)
0.4% basic + 4.6% extra; registration via DBS Card+ app required (programme 1 Jan - 31 Dec 2026). Dining = merchant category of restaurants per Visa codes (mapped here to 5812/5814); banquets, private events and F&B in hotels, department stores, associations and clubhouses excluded. Transactions under HK$300 earn 1%.
Terms checked 2026-09-30 · Issuer terms ·
2.Hang Seng Travel+ Visa Signature Card
Local dining
Includes 0.4% basic. Registration required; promotion 1 Jan - 31 Dec 2026. Local dining outlets per Visa/Hang Seng dining merchant codes (mapped here to 5812/5814); excludes online transactions, banquets, private events and outlets in hotels, department stores, associations and clubhouses.
Terms checked 2026-09-30 · Issuer terms ·
3.HSBC Visa Signature Card
Dining in Hong Kong (Red Hot Rewards category, all 5X allocated to Dining)
3.6% = 0.4% basic (1X) + 2% Red Hot Rewards of Your Choice (5X, registration by 31 Oct 2026, 5X allocated to Dining) + 1.2% Visa Signature Special Reward (3X). With no 5X allocated to Dining the rate is 1.6%. Dining = HK outlets classified as restaurants/dining merchants by Visa merchant codes (mapped here to 5812/5814); excludes banquets, private functions, and dining outlets in hotels, department stores, associations and clubhouses.
Terms checked 2026-09-30 · Issuer terms ·
4.Citi Cash Back Card
Local dining (Hong Kong, in HKD)
Dining outlets in Hong Kong classified as restaurants or dining merchants by merchant code (mapped here to 5812/5814); excludes hotel banquets, private functions and department stores. Unlimited.
Terms checked 2026-09-30 · Issuer terms ·
5.Standard Chartered Simply Cash Visa Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Standard Chartered Smart Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.BOC Chill World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
8.Hang Seng MMPOWER World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 5814 as their main code. Seen a different code? Report it.
For MCC 5814 (Fast Food Restaurants) in Hong Kong, the Standard Chartered Cathay Mastercard earns the most miles at 0.25 mpd, and the DBS Eminent Visa Signature Card gives the highest cashback at 5% (cap: First HK$8,000 of Designated Categories spend (dining, sportswear, fitness clubs, medical combined) per calendar month; 0.4% thereafter).
MCC 5814 is the merchant category code for Fast Food Restaurants (Food). Covers fast food restaurants where customers order and pay at a counter before receiving food, typically for takeaway or quick consumption. Full-service, sit-down restaurants use 5812, and bakeries use 5462; the split between 5812 and 5814 is a common source of confusion for dining rewards.
Merchants in Hong Kong seen with MCC 5814 include Genki Sushi, Five Guys, Flash Coffee, J.Co Donuts', Oliver's Super Sandwiches, すき家 Sukiya, 一粥麵 Super Super Congee & Noodles, 一芳水果茶 Yi Fang Tea. 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.