13 Philippines cards tracked, terms last checked 2026-10-01. Search a merchant, or pick the merchant category code (MCC) you're paying under, to see which card earns the most.
Type a shop, app or brand in Philippines. We find its MCC and the card that earns the most there, including merchant-specific bonuses.
Every page then tells you which of your cards to use. Saved in this browser only.
Enter roughly what you spend each month. Miles use your mile value.
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 5462 Bakeries | — | HSBC Live+ Credit Card 8% cashback | — |
| 5811 Caterers | — | HSBC Live+ Credit Card 8% cashback | — |
| 5812 Eating Places, Restaurants | — | EastWest Visa Platinum 8.88% cashback | — |
| 5813 Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques | — | EastWest Visa Platinum 8.88% cashback | — |
| 5814 Fast Food Restaurants | — | EastWest Visa Platinum 8.88% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 5300 Wholesale Clubs | — | UnionBank Cash Back Visa Platinum 6% cashback | — |
| 5411 Grocery Stores, Supermarkets | — | UnionBank Cash Back Visa Platinum 6% cashback | — |
| 5422 Freezer and Locker Meat Provisioners | — | Metrobank Cashback Visa 5% cashback | — |
| 5499 Miscellaneous Food Stores (Convenience, Markets, etc.) | — | HSBC Gold Visa Cash Back 5% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4511 Airlines and Air Carriers | — | HSBC Live+ Credit Card 5% cashback | — |
| 4722 Travel Agencies and Tour Operators | — | HSBC Live+ Credit Card 5% cashback | — |
| 7032 Sporting and Recreational Camps | — | HSBC Live+ Credit Card 5% cashback | — |
| 7033 Trailer Parks and Campgrounds | — | HSBC Live+ Credit Card 5% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 5815 Media, Books, Movies, Music | — | HSBC Live+ Credit Card 5% cashback | — |
| 5816 Digital Goods – Games | — | HSBC Live+ Credit Card 5% cashback | — |
| 5817 Applications (Excludes Games) | — | Metrobank Cashback Visa 5% cashback | — |
| 5818 Large Digital Goods Merchant | — | HSBC Live+ Credit Card 5% cashback | — |
| 5964 Catalog Merchant | — | HSBC Live+ Credit Card 5% cashback | — |
| 5965 Combination Catalog and Retail Merchant | — | HSBC Live+ Credit Card 5% cashback | — |
| 5968 Direct Marketing – Continuity/Subscription Merchant | — | Metrobank Cashback Visa 5% cashback | — |
| 5969 Other Direct Marketers (Not Elsewhere Classified) | — | HSBC Live+ Credit Card 5% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 5310 Discount Stores | — | UnionBank Cash Back Visa Platinum 6% cashback | — |
| 5311 Department Stores | — | EastWest Visa Platinum 8.88% cashback | — |
| 5331 Variety Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5399 Miscellaneous General Merchandise | — | HSBC Live+ Credit Card 5% cashback | — |
| 5611 Men's and Boys' Clothing and Accessories Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5621 Women's Ready-to-Wear Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5631 Women's Accessory and Specialty Shops | — | HSBC Live+ Credit Card 5% cashback | — |
| 5641 Children's and Infants' Wear Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5651 Family Clothing Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5655 Sports and Riding Apparel Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5661 Shoe Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5691 Men's and Women's Clothing Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5697 Tailors, Alterations | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 5699 Miscellaneous Apparel and Accessory Shops | — | HSBC Live+ Credit Card 5% cashback | — |
| 5712 Equipment, Furniture, Home Furnishings Stores | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 5713 Floor Covering Stores | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 5722 Household Appliance Stores | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 5732 Electronics Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5912 Drug Stores and Pharmacies | — | BPI Amore Cashback Card 1% cashback | 1 |
| 5921 Beer, Wine, and Liquor Stores | — | HSBC Live+ Credit Card 8% cashback | — |
| 5941 Sporting Goods Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5942 Book Stores | — | Metrobank Cashback Visa 5% cashback | — |
| 5943 Stationery, Office Supplies | — | Metrobank Cashback Visa 5% cashback | — |
| 5944 Jewellery, Watches, Clocks | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 5945 Hobby, Toy, and Game Shops | — | HSBC Live+ Credit Card 5% cashback | — |
| 5947 Gift, Card, Novelty, and Souvenir Shops | — | HSBC Live+ Credit Card 5% cashback | — |
| 5948 Luggage and Leather Goods Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5970 Artist's Supply and Craft Shops | — | HSBC Live+ Credit Card 5% cashback | — |
| 5971 Art Dealers and Galleries | — | HSBC Live+ Credit Card 5% cashback | — |
| 5977 Cosmetic Stores | — | HSBC Live+ Credit Card 5% cashback | — |
| 5999 Miscellaneous and Specialty Retail Stores | — | Robinsons Cashback Card, powered by Visa 1% cashback | 1 |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 7829 Motion Picture and Video Tape Production and Distribution | — | Metrobank Cashback Visa 5% cashback | — |
| 7832 Motion Picture Theaters and Cinemas | — | HSBC Live+ Credit Card 5% cashback | — |
| 7922 Theatrical Ticket Agencies | — | HSBC Live+ Credit Card 5% cashback | — |
| 7929 Bands, Orchestras | — | HSBC Live+ Credit Card 5% cashback | — |
| 7932 Billiard/Pool Establishments | — | HSBC Live+ Credit Card 5% cashback | — |
| 7933 Bowling Alleys | — | HSBC Live+ Credit Card 5% cashback | — |
| 7991 Tourist Attractions and Exhibits | — | HSBC Live+ Credit Card 5% cashback | — |
| 7992 Public Golf Courses | — | HSBC Live+ Credit Card 5% cashback | — |
| 7993 Video Amusement Game Supplies | — | HSBC Live+ Credit Card 5% cashback | — |
| 7994 Video Game Arcades | — | HSBC Live+ Credit Card 5% cashback | — |
| 7996 Amusement Parks/Carnivals/Circuses | — | HSBC Live+ Credit Card 5% cashback | — |
| 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | — | HSBC Live+ Credit Card 5% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4814 Telecommunication Services, Telecommunication service including local and long-distance calls, credit card calls, calls through the use of magnetic-strip reading telephones and fax services | — | EastWest Visa Platinum 8.88% cashback | 1 |
| 4899 Cable, Satellite, and Other Pay Television and Radio | — | EastWest Visa Platinum 8.88% cashback | — |
| 4900 Utilities – Electric, Gas, Water, and Sanitary | — | EastWest Visa Platinum 8.88% cashback | 1 |
| 8211 Elementary and Secondary Schools | — | Metrobank Cashback Visa 5% cashback | 1 |
| 8220 Colleges, Universities | — | Metrobank Cashback Visa 5% cashback | 1 |
| 8241 Correspondence Schools | — | Metrobank Cashback Visa 5% cashback | 1 |
| 8244 Business and Secretarial Schools | — | Metrobank Cashback Visa 5% cashback | 1 |
| 8249 Vocational/Trade Schools | — | Metrobank Cashback Visa 5% cashback | 1 |
| 8299 Educational Services | — | Metrobank Cashback Visa 5% cashback | 1 |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 5137 Uniforms and Commercial Clothing | — | HSBC Live+ Credit Card 5% cashback | — |
| 5139 Commercial Footwear (Wholesale) | — | HSBC Live+ Credit Card 5% cashback | — |
| 7278 Buying and Shopping Services and Clubs | — | Robinsons Cashback Card, powered by Visa 1% cashback | — |
| 8351 Child Care Services and Day Care Centers | — | Metrobank Cashback Visa 5% cashback | 1 |