MCC 6012 · Merchandise and Services (Financial Institutions) · Financial
For MCC 6012 (Merchandise and Services (Financial Institutions)) in Hong Kong, none of the cards we track gives a bonus. 3 cards (Standard Chartered Smart Credit Card, Standard Chartered Simply Cash Visa Card, Standard Chartered Cathay Mastercard) earn nothing on this code.
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 ·
2.DBS Eminent Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.BOC Chill World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
4.Hang Seng MMPOWER World Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Hang Seng Travel+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.HSBC Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
For MCC 6012 (Merchandise and Services (Financial Institutions)) in Hong Kong, none of the cards we track gives a bonus. 3 cards (Standard Chartered Smart Credit Card, Standard Chartered Simply Cash Visa Card, Standard Chartered Cathay Mastercard) earn nothing on this code.
MCC 6012 is the merchant category code for Merchandise and Services (Financial Institutions) (Financial). MCC 6012 covers merchandise and services sold by financial institutions, such as fees for banking services, loan payments, and purchases of financial products from banks. It is often confused with 6011 (automated cash disbursements, ATMs) and 6010 (manual cash disbursements). It is commonly treated as a high-risk category.
Merchants in Hong Kong seen with MCC 6012 include Trip.com. A merchant's MCC can differ by payment channel, so check the code on your statement.
Standard Chartered Smart Credit Card, Standard Chartered Simply Cash Visa Card, Standard Chartered Cathay Mastercard exclude MCC 6012 from rewards according to their terms and conditions.
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.