MCC 4900 · Utilities – Electric, Gas, Water, and Sanitary · Utilities
For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) 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.BPI Amore Cashback Card
Drug stores and utilities
Local or online transactions; computed per full Php 1,000 increment
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 ·
4.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 4900 as their main code. Seen a different code? Report it.
For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) 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 4900 is the merchant category code for Utilities – Electric, Gas, Water, and Sanitary (Utilities). Covers utility services, including electricity, gas, water and sanitation billed to households and businesses. Utility bill payments, including those made to electricity retailers and utility billing agents, commonly use this code. Cable, satellite and pay TV are coded separately under 4899.
Merchants in Philippines seen with MCC 4900 include Bayad Online, Manila Water, Meralco, Converge ICT, PLDT. A merchant's MCC can differ by payment channel, so check the code on your statement.
HSBC Live+ Credit Card exclude MCC 4900 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.