Best credit card for MCC 5815 in Hong Kong

1. 1.Citi Rewards Card8.1 pts per HK$1 · cap: Extra points capped at 113,400 per card account per statement cycle, pooled with the Mobile Payments bonus (about HK$15,970 of Shopping & Entertainment spend)≈ 3.0% back
2. 2.HSBC EveryMile Credit Card0.2 mpd≈ 1.8% back
3. 3.American Express Explorer Credit Card0.1667 mpd≈ 1.5% back
4. 4.DBS Black World Mastercard0.1667 mpd≈ 1.5% back
5. 5.Standard Chartered Cathay Mastercard0.1667 mpd≈ 1.5% back

Miles are converted at your mile value.

Miles cards

• 1.HSBC EveryMile Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.2 mpd

• 2.American Express Explorer Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.1667 mpd

• 3.DBS Black World Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.1667 mpd

• 4.Standard Chartered Cathay Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.1667 mpd

• 5.Citi PremierMiles Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.125 mpd

Cashback cards

• 1.Standard Chartered Simply Cash Visa Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  1.5% cashback

• 2.Citi Cash Back Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  1% cashback

• 3.DBS Eminent Visa Signature Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  1% cashback

• 4.Standard Chartered Smart Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.56% cashback

• 5.BOC Chill World Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.4% cashback

• 6.Hang Seng MMPOWER World Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.4% cashback

• 7.Hang Seng Travel+ Visa Signature Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.4% cashback

• 8.HSBC Red Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.4% cashback

• 9.HSBC Visa Signature Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-30 · Issuer terms · Rate changed?

  0.4% cashback

Points cards

• 1.Citi Rewards Card

  Shopping and Entertainment (local, overseas and online)

  Cap Extra points capped at 113,400 per card account per statement cycle, pooled with the Mobile Payments bonus (about HK$15,970 of Shopping & Entertainment spend)

  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 · Rate changed?

  8.1 pts per HK$1

Which credit card is best for MCC 5815 in Hong Kong?

For MCC 5815 (Media, Books, Movies, Music) in Hong Kong, none of the cards we track gives a bonus.

What is MCC 5815?

MCC 5815 is the merchant category code for Media, Books, Movies, Music (Digital Goods). MCC 5815 covers digital goods media, including e-books, streaming or downloadable movies, music, and other digital media content. It is part of the 5815-5818 digital goods family, alongside 5816 (games), 5817 (applications), and 5818 (large digital goods merchants). Some streaming services instead use 4899 (cable and pay television) or other codes.