MCC 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 · Telecommunications
For MCC 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) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 per cycle month (combined)). 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 2026-10-01. 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.EastWest Visa Platinum
Utilities (incl. auto-charge billers and Quick Bills)
e.g. Meralco, Globe, Skycable
Terms checked 2026-09-24 · Issuer terms ·
2.Metrobank Cashback Visa
Supermarket/grocery, telecommunications (cable, streaming), school and bookstore
If the P12,000 spend on other categories is not met, these MCCs earn only 0.2%. Computed per transaction
Terms checked 2026-09-24 · Issuer terms ·
3.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 ·
6.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 ·
Highlighted merchants use MCC 4814 as their main code. Seen a different code? Report it.
For MCC 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) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 per cycle month (combined)). 1 card (HSBC Live+ Credit Card) earn nothing on this code.
MCC 4814 is the merchant category code for 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 (Telecommunications). Covers telecommunication services, including local and long-distance calls, mobile and fixed-line service billing, prepaid top-ups, credit card calls, calls from magnetic-stripe reading telephones and fax services. Sales of phone equipment fall under 4812, cable and pay TV under 4899, and computer network or internet services often use 4816.
Merchants in Philippines seen with MCC 4814 include Converge ICT, DITO Telecommunity, Globe Telecom, PLDT, Starlink Philippines. A merchant's MCC can differ by payment channel, so check the code on your statement.
HSBC Live+ Credit Card exclude MCC 4814 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.