Best credit card for MCC 3304 in Philippines

MCC 3304 · Air Baltic · Airlines

For MCC 3304 (Air Baltic) 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.

Cards ranked for MCC 3304

Best overall

1.HSBC Live+ Credit Card5% cashback · cap: PHP 1,250 per statement cycle (combined)≈ 5.0% back
2.HSBC Gold Visa Cash Back0.5% cashback≈ 0.50% back
3.BPI Amore Cashback Card0.3% cashback≈ 0.30% back
4.EastWest Visa Platinum0.3% cashback≈ 0.30% back
5.Robinsons Cashback Card, powered by Visa0.3% cashback≈ 0.30% back

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

Cashback cards

1.HSBC Live+ Credit Card
Travel: airlines, travel agencies, lodging
Cap PHP 1,250 per statement cycle (combined)Min spend PHP 10,000 accumulated spend per statement
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 ·
5% cashback
2.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
3.BPI Amore Cashback Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
4.EastWest Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
5.Robinsons Cashback Card, powered by Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
6.Metrobank Cashback Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback
7.UnionBank Cash Back Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback

Points cards

1.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0667 pts per ₱1
2.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
3.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
4.UnionBank Rewards Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0333 pts per ₱1
5.RCBC Flex Visa
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.02 pts per ₱1
6.BDO ShopMore Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.002 pts per ₱1

Sources (33)

FAQ

Which credit card is best for MCC 3304 in Philippines?

For MCC 3304 (Air Baltic) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).

What is MCC 3304?

MCC 3304 is the merchant category code for Air Baltic (Airlines). Example merchants: Air Baltic (Latvian national airline, hub in Riga, serves European and regional destinations). Common uses: airline tickets, baggage fees, in-flight purchases, seat upgrades.

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.

Best credit card for MCC 3304 in Philippines

MCC 3304 · Air Baltic · Airlines

For MCC 3304 (Air Baltic) 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.

Cards ranked for MCC 3304

Best overall

1.HSBC Live+ Credit Card5% cashback · cap: PHP 1,250 per statement cycle (combined)≈ 5.0% back
2.HSBC Gold Visa Cash Back0.5% cashback≈ 0.50% back
3.BPI Amore Cashback Card0.3% cashback≈ 0.30% back
4.EastWest Visa Platinum0.3% cashback≈ 0.30% back
5.Robinsons Cashback Card, powered by Visa0.3% cashback≈ 0.30% back

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

Cashback cards

1.HSBC Live+ Credit Card
Travel: airlines, travel agencies, lodging
Cap PHP 1,250 per statement cycle (combined)Min spend PHP 10,000 accumulated spend per statement
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 ·
5% cashback
2.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
3.BPI Amore Cashback Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
4.EastWest Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
5.Robinsons Cashback Card, powered by Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
6.Metrobank Cashback Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback
7.UnionBank Cash Back Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback

Points cards

1.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0667 pts per ₱1
2.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
3.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
4.UnionBank Rewards Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0333 pts per ₱1
5.RCBC Flex Visa
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.02 pts per ₱1
6.BDO ShopMore Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.002 pts per ₱1

Sources (33)

FAQ

Which credit card is best for MCC 3304 in Philippines?

For MCC 3304 (Air Baltic) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).

What is MCC 3304?

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.