MCC 5309 · Duty Free Stores · Retail
For MCC 5309 (Duty Free Stores) in Philippines, the UnionBank Cash Back Visa Platinum gives the highest cashback at 6% (cap: PHP 1,250 per month (reported)).
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.UnionBank Cash Back Visa Platinum
Supermarkets
Without the out-of-category spend, the rebate is lower (tiered)
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 ·
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 5309 (Duty Free Stores) in Philippines, the UnionBank Cash Back Visa Platinum gives the highest cashback at 6% (cap: PHP 1,250 per month (reported)).
MCC 5309 is the merchant category code for Duty Free Stores (Retail). Covers duty-free stores selling goods exempt from certain taxes and duties, typically located in airports, seaports, border crossings and on board ships or aircraft. Items commonly include alcohol, tobacco, perfume, cosmetics and luxury goods. Retail shops outside travel hubs selling similar goods use their regular retail codes.
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.