Best credit card for MCC 4900 in Indonesia

MCC 4900 · Utilities – Electric, Gas, Water, and Sanitary · Utilities

For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) in Indonesia, none of the cards we track gives a bonus. 3 cards (HSBC Live+ Credit Card, Mega Travel Card, Transmart Mega Card) 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.

Cards ranked for MCC 4900

Best overall

1 mile is worthRp

1.OCBC 90°N Credit Card0.00008333 mpd≈ 1.5% back
2.UOB PRIVIMiles Card0.00008333 mpd≈ 1.5% back
3.Garuda BNI Visa Signature Credit Card0.0000833 mpd≈ 1.5% back
4.BCA Singapore Airlines KrisFlyer Visa Signature0.0000741 mpd≈ 1.3% back
5.BRI Kartu Kredit Visa Infinite Prioritas0.00005 mpd≈ 0.90% back

Miles are converted at your mile value; points cards without a published point value are listed separately below.

Miles cards

1.OCBC 90°N Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.00008333 mpd
2.UOB PRIVIMiles Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.00008333 mpd
3.Garuda BNI Visa Signature Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.0000833 mpd
4.BCA Singapore Airlines KrisFlyer Visa Signature
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.0000741 mpd
5.BRI Kartu Kredit Visa Infinite Prioritas
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.00005 mpd

Cashback cards

1.BCA Blibli Tiket Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.25% cashback

Points cards

1.Mandiri Traveloka Card (Visa)
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.005 pts per Rp1
2.CIMB Niaga Mastercard World
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.002 pts per Rp1
3.Mandiri Kartu Kredit Shopee (Visa)
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.001 pts per Rp1
4.HSBC Visa Signature Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.0006667 pts per Rp1
5.Kartu Kredit Danamon American Express (Gold & Blue)
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.0004 pts per Rp1
6.Mandiri Signature (Visa Signature)
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
0.0001 pts per Rp1

Cards that earn nothing on this MCC

HSBC Live+ Credit CardMega Travel CardTransmart Mega Card

Sources (49)

Merchants in Indonesia using MCC 4900

Blibli (bill payments / tagihan listrik)PLN Mobile Tokopedia (bill payments / tagihan listrik)Blibli DANA DANA (top-up)

Highlighted merchants use MCC 4900 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 4900 in Indonesia?

What is MCC 4900?

MCC 4900 is the merchant category code for Utilities – Electric, Gas, Water, and Sanitary (Utilities). Covers utility services, including electricity, gas, water and sanitation billed to households and businesses. Utility bill payments, including those made to electricity retailers and utility billing agents, commonly use this code. Cable, satellite and pay TV are coded separately under 4899.

Which merchants in Indonesia use MCC 4900?

Merchants in Indonesia seen with MCC 4900 include Blibli (bill payments / tagihan listrik), PLN Mobile, Tokopedia (bill payments / tagihan listrik), Blibli, DANA, DANA (top-up). A merchant's MCC can differ by payment channel, so check the code on your statement.

Which cards earn no rewards on MCC 4900 in Indonesia?

HSBC Live+ Credit Card, Mega Travel Card, Transmart Mega Card exclude MCC 4900 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.