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    Best card by MCC / Hong Kong / MCC 7011

    Best credit card for MCC 7011 in Hong Kong

    MCC 7011 · Hotels, Motels, and Resorts · Hospitality

    For MCC 7011 (Hotels, Motels, and Resorts) in Hong Kong, the Standard Chartered Cathay Mastercard earns the most miles at 0.25 mpd, and the Citi Cash Back Card gives the highest cashback at 2%.

    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 7011

    Best overall

    1. 1.Standard Chartered Cathay Mastercard0.25 mpd≈ 2.3% back
    2. 2.Citi Cash Back Card2% cashback≈ 2.0% back
    3. 3.HSBC EveryMile Credit Card0.2 mpd≈ 1.8% back
    4. 4.American Express Explorer Credit Card0.1667 mpd≈ 1.5% back
    5. 5.DBS Black World Mastercard0.1667 mpd≈ 1.5% back

    Miles are converted at your mile value.

    Miles cards

    • 1.Standard Chartered Cathay Mastercard

      Hotels (booked directly, posted in HKD)

      HK$4 = 1 Asia Mile. Hotels per Mastercard merchant codes (mapped here to 7011; chain-specific hotel codes may also qualify); bookings via OTAs, travel agencies, airlines or intermediaries excluded. Offer runs to 31 Dec 2026.

      Terms checked 2026-09-30 · Issuer terms ·

      0.25 mpd
    • 2.HSBC EveryMile Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.2 mpd
    • 3.American Express Explorer Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.1667 mpd
    • 4.DBS Black World 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.Citi Cash Back Card

      Local hotels (Hong Kong, in HKD)

      Hotels in Hong Kong classified as hotels by merchant code (mapped here to 7011). Unlimited.

      Terms checked 2026-09-30 · Issuer terms ·

      2% cashback
    • 2.Standard Chartered Simply Cash Visa Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      1.5% 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

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      1 pts per HK$1
    Sources (42)
    • 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)
    • 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)
    • Citibank HK - Citi PremierMiles Card product page
    • Terms and Conditions of Citi PremierMiles Credit Card
    • Citibank HK Credit Card Key Facts Statement / fee schedule
    • Citibank HK - Citi Cash Back Card product page and Cash Rebate Program T&Cs
    • MoneyHero - Citi Cash Back Card
    • 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
    • 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)
    Merchants in Hong Kong using MCC 7011
    Osteria (Holiday Inn Golden Mile)Mandarin OrientalMarco Polo Prince Hotel (restaurants)文華東方酒店集團 Mandarin Oriental HotelThe Cafe (Sheraton Hong Kong)Hilton ConradThe Market (Hotel ICON)Trip.com喜來登 Sheraton

    Highlighted merchants use MCC 7011 as their main code. Seen a different code? Report it.

    FAQ

    Which credit card is best for MCC 7011 in Hong Kong?

    For MCC 7011 (Hotels, Motels, and Resorts) in Hong Kong, the Standard Chartered Cathay Mastercard earns the most miles at 0.25 mpd, and the Citi Cash Back Card gives the highest cashback at 2%.

    What is MCC 7011?

    MCC 7011 is the merchant category code for Hotels, Motels, and Resorts (Hospitality). Covers hotels, motels, resorts and similar lodging, including room charges and incidental spending billed to the room. Many large hotel chains have their own dedicated codes in the 3501–3999 range. Campgrounds use 7033 and timeshares use 7012, and bookings through online travel agencies may carry the agency's code (4722).

    Which merchants in Hong Kong use MCC 7011?

    Merchants in Hong Kong seen with MCC 7011 include Osteria (Holiday Inn Golden Mile), Mandarin Oriental, Marco Polo Prince Hotel (restaurants), 文華東方酒店集團 Mandarin Oriental Hotel, The Cafe (Sheraton Hong Kong), Hilton Conrad, The Market (Hotel ICON), Trip.com. 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.

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