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    Best card by MCC / Indonesia / MCC 8734

    Best credit card for MCC 8734 in Indonesia

    MCC 8734 · Testing Laboratories - Non-Medical · Testing Laboratories

    For MCC 8734 (Testing Laboratories - Non-Medical) in Indonesia, none of the cards we track gives a bonus. 1 card (HSBC Live+ Credit 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 8734

    Best overall

    1. 1.OCBC 90°N Credit Card0.00008333 mpd≈ 1.5% back
    2. 2.UOB PRIVIMiles Card0.00008333 mpd≈ 1.5% back
    3. 3.Garuda BNI Visa Signature Credit Card0.0000833 mpd≈ 1.5% back
    4. 4.BCA Singapore Airlines KrisFlyer Visa Signature0.0000741 mpd≈ 1.3% back
    5. 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.Mega Travel Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.005 pts per Rp1
    • 3.CIMB Niaga Mastercard World

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.002 pts per Rp1
    • 4.Mandiri Kartu Kredit Shopee (Visa)

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.001 pts per Rp1
    • 5.Transmart Mega Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.001 pts per Rp1
    • 6.HSBC Visa Signature Credit Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-30 · Issuer terms ·

      0.0006667 pts per Rp1
    • 7.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
    • 8.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 Card
    Sources (49)
    • OCBC Indonesia - OCBC 90°N Credit Card product page and Travel Miles T&C
    • OCBC - Product and Service Information Summary (RIPLAY) OCBC 90°N Credit Card (printed 10 Aug 2026)
    • UOB Indonesia - Ringkasan Informasi Produk dan Layanan (RIPLAY) Kartu Kredit UOB, Versi Umum (Aug 2026)
    • UOB Indonesia - UOB PRIVIMiles product page
    • PinterPoin - Review: Kartu Kredit UOB PRIVI Miles (Jan 2026)
    • BNI - Garuda BNI Visa Signature product page
    • BNI Credit Card - Garuda BNI Card product page (earn-rate change notice effective 26 Feb 2026)
    • BNI Credit Card - Perubahan Pengiriman Miles Kartu Kredit Garuda BNI (announcement)
    • PinterPoin - Review: Kartu Kredit BNI Garuda Indonesia Visa Signature (Apr 2026)
    • BCA - BCA-Singapore Airlines KrisFlyer Visa Signature Card product page
    • BCA Singapore Airlines Visa Credit Card standard agreement (2026, English)
    • BCA - Penyesuaian Earning Reward Kartu Kredit BCA (effective 12 Aug 2024)
    • PinterPoin - Devaluasi Kartu Kredit BCA Singapore Airlines KrisFlyer
    • BRI - Newsletter Infinite Revamp Juni 2026 (BRI Kartu Kredit Visa Infinite Prioritas)
    • BRI Kartu Kredit - BRI Visa Infinite product page
    • PinterPoin - Upvaluasi & Revamp: Kartu Kredit BRI Visa Infinite Pada 1 Juli 2026
    • BCA - BCA Blibli Tiket Mastercard product page
    • RIPLAY Kartu Kredit BCA (fees incl. Blibli Tiket Mastercard)
    • PinterPoin - BCA merges its cards and launches BCA Blibli Tiket Mastercard
    • Mandiri Kartu Kredit - Mandiri Traveloka product page
    • Mandiri Kartu Kredit - Syarat dan Ketentuan Mandiri Traveloka Poin
    • Mandiri Kartu Kredit - 2x Traveloka Poin untuk Pembelian Produk Flight & Hotel
    • Visa Indonesia - Mandiri Traveloka Card Tampil Baru (press release)
    • Bank Mega - RIPLAY Kartu Kredit Mega Travel Card
    • Bank Mega - MPC Points (earn table, exclusions, 1 MPC Point = Rp1)
    • Bank Mega - Mega Travel Card product page
    • CIMB Niaga - Mastercard World product page (Poin Xtra scheme effective 1 March 2025)
    • CIMB Niaga - Mastercard World RIPLAY Umum (v160926)
    • CIMB Niaga - Poin Xtra (1 Poin Xtra = Rp1)
    • PinterPoin - CIMB Niaga cuts Mastercard World earn rate effective 1 March 2025
    • Mandiri Kartu Kredit - Mandiri Kartu Kredit Shopee product page
    • Mandiri Kartu Kredit - Bonus hingga 5X Koin Shopee (earn table and T&C)
    • Mandiri Kartu Kredit - Cashback 5% s.d 100,000 Koin Shopee
    • Visa Indonesia - Mandiri, Shopee dan Visa Luncurkan Mandiri Kartu Kredit Shopee
    • Bank Mega - RIPLAY Kartu Kredit Mega VISA Transmart Card (Jun 2026)
    • Bank Mega - Transmart Mega Card product page
    • HSBC Indonesia - HSBC Visa Signature product page (Accelerated Rewards Points T&C)
    • HSBC Indonesia - HSBC Visa Signature e-Welcome Pack
    • PinterPoin - Review: Kartu Kredit HSBC Visa Signature
    • Danamon - Syarat dan Ketentuan Membership Rewards Points
    • Danamon - RIPLAY Umum Kartu Kredit Danamon American Express Gold & Blue (May 2026)
    • Danamon - Kartu Kredit Danamon American Express product page
    • Mandiri Kartu Kredit - Mandiri Signature product page
    • Mandiri Kartu Kredit - Livin'poin earning table and exclusions
    • Mandiri Kartu Kredit - Syarat & Ketentuan Livin'poin
    • Mandiri Kartu Kredit - Livin'poin to GarudaMiles redemption T&C
    • PinterPoin - Review Kartu Kredit Mandiri Visa Signature
    • HSBC Indonesia - Syarat dan Ketentuan Fitur Kartu Kredit HSBC Live+
    • HSBC Indonesia - HSBC Live+ product page
    FAQ

    Which credit card is best for MCC 8734 in Indonesia?

    For MCC 8734 (Testing Laboratories - Non-Medical) in Indonesia, none of the cards we track gives a bonus. 1 card (HSBC Live+ Credit Card) earn nothing on this code.

    What is MCC 8734?

    MCC 8734 is the merchant category code for Testing Laboratories - Non-Medical (Testing Laboratories). MCC 8734 covers non-medical testing laboratories, including product testing, environmental testing, materials analysis, and quality inspection services. Medical and dental laboratories use 8071. It typically serves businesses rather than consumers, and pricing is usually per test or inspection. Card use is uncommon among consumers.

    Which cards earn no rewards on MCC 8734 in Indonesia?

    HSBC Live+ Credit Card exclude MCC 8734 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.

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