MCC 3186 · LAP (Paraguay) · Airlines
For MCC 3186 (LAP (Paraguay)) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.HSBC Live+ Credit Card
Travel: airlines, travel agencies, lodging
Effective 1 July 2026. The issuer publishes the MCCs as ranges 3000-3350 and 3501-3838, expanded here
Terms checked 2026-09-24 · Issuer terms ·
2.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.Robinsons Cashback Card, powered by Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
7.UnionBank Cash Back Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.UnionBank Rewards Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
For MCC 3186 (LAP (Paraguay)) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
MCC 3186 is the merchant category code for LAP (Paraguay) (Airlines). MCC 3186 is a travel & entertainment code assigned to LAP (Paraguay), one of the airline-specific codes in the 3000–3350 range. Card networks use these codes so purchases made directly with the airline are identifiable; carriers without a dedicated code use MCC 4511 (Airlines and Air Carriers). Tickets bought through online travel agencies or travel agents usually post under MCC 4722 instead.
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.