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    Best card by MCC / Hong Kong / MCC 5948

    Best credit card for MCC 5948 in Hong Kong

    MCC 5948 · Luggage and Leather Goods Stores · Luggage and Leather Goods Stores

    For MCC 5948 (Luggage and Leather Goods 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.

    Cards ranked for MCC 5948

    Best overall

    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 ·

      0.2 mpd
    • 2.American Express Explorer Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.1667 mpd
    • 3.DBS Black World Mastercard

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.1667 mpd
    • 4.Standard Chartered Cathay Mastercard

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.1667 mpd
    • 5.Citi PremierMiles Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      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 ·

      1.5% cashback
    • 2.Citi Cash Back Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      1% cashback
    • 3.DBS Eminent Visa Signature Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      1% cashback
    • 4.Standard Chartered Smart Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.56% cashback
    • 5.BOC Chill World Mastercard

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.4% cashback
    • 6.Hang Seng MMPOWER World Mastercard

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.4% cashback
    • 7.Hang Seng Travel+ Visa Signature Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.4% cashback
    • 8.HSBC Red Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.4% cashback
    • 9.HSBC Visa Signature Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      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 ·

      8.1 pts per HK$1
    Sources (42)
    • HSBC HK - EveryMile Credit Card product page
    • HSBC EveryMile Credit Card Reward Scheme T&Cs (1 Jul - 31 Dec 2026)
    • HSBC EveryMile - Designated Everyday & Travel Spend Merchants list (EM_einsert/0426)
    • HSBC Credit Cards Key Facts Statement (annual fees)
    • American Express HK - Explorer Credit Card product page
    • American Express Explorer Credit Card Benefits T&Cs (Membership Rewards, bonus programs 2026)
    • American Express Explorer Key Facts Statement
    • DBS HK - DBS Black World Mastercard product page
    • DBS Black World Mastercard Overseas Spending As Low As HK$2 = 1 Mile Reward T&Cs (2026)
    • DBS Black World Mastercard DBS$ & Miles Conversion Rates
    • DBS - Summary for Major DBS Credit Cards (annual fees, earn rates)
    • Standard Chartered HK - Cathay Mastercard product page
    • Standard Chartered Cathay Mastercard Rewards Scheme T&Cs (HK$6 = 1 mile, effective 8 Jun 2024)
    • Cathay Mastercard Selected Categories Spending Rewards T&Cs (01/2026)
    • Cathay Mastercard Bonus Miles Offer for Cathay and HK Express Transactions T&Cs (07/2026)
    • Citibank HK - Citi PremierMiles Card product page
    • Terms and Conditions of Citi PremierMiles Credit Card
    • Citibank HK Credit Card Key Facts Statement / fee schedule
    • Standard Chartered HK - Simply Cash Visa Card product page
    • Standard Chartered Simply Cash Visa Card Terms and Conditions (Rewards Scheme)
    • Standard Chartered Simply Cash Visa Card Key Facts Statement
    • Citibank HK - Citi Cash Back Card product page and Cash Rebate Program T&Cs
    • MoneyHero - Citi Cash Back Card
    • DBS HK - DBS Eminent Card product page
    • DBS Eminent Card Up To 5% Rebate Programme 2026 T&Cs
    • Standard Chartered HK - Smart Credit Card product page
    • Standard Chartered Smart Credit Card Terms and Conditions (Rewards Scheme)
    • Standard Chartered HK - Smart Card Rewards Scheme page (Designated Merchants, Spending Cap)
    • BOCHK - BOC Chill Card product page
    • BOC Chill Card Terms & Conditions of Promotional Offers (to 31 Dec 2026)
    • BOCHK - Chill Merchants list
    • Hang Seng Bank - MMPOWER World Mastercard product page
    • Hang Seng MMPOWER World Mastercard +FUN Dollars Reward Programme T&Cs (04/2026)
    • Hang Seng Bank - Travel+ Visa Signature Card product page
    • Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Programme T&Cs (12/2025)
    • HSBC HK - HSBC Red Credit Card product page
    • HSBC Red Credit Card Reward Scheme T&Cs (1 Jul - 31 Dec 2026, amended 15 Jul 2026)
    • HSBC HK - Visa Signature Card product page
    • HSBC Visa Signature Card Special Reward Promotion T&Cs (1 Jan - 31 Dec 2026)
    • 2026 Red Hot Rewards of Your Choice T&Cs
    • Citibank HK - Citi Rewards Card product page
    • Citi Rewards Card Terms and Conditions (Extra Points for Shopping & Entertainment and Mobile Payments)
    FAQ

    Which credit card is best for MCC 5948 in Hong Kong?

    For MCC 5948 (Luggage and Leather Goods Stores) in Hong Kong, none of the cards we track gives a bonus.

    What is MCC 5948?

    MCC 5948 is the merchant category code for Luggage and Leather Goods Stores (Luggage and Leather Goods Stores). MCC 5948 covers luggage and leather goods stores selling suitcases, travel bags, handbags, wallets, and other leather accessories. It is distinct from 5621 or 5631 (women's clothing and accessory stores) and 5944 (jewellery and watch stores). Luxury fashion houses may use this code or a clothing code depending on their main product line.

    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.

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