MCC 5310 · Discount Stores · Discount Retail
For MCC 5310 (Discount 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 Live+ Credit Card
Shopping
Terms checked 2026-09-24 · Issuer terms ·
3.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 ·
4.Robinsons Cashback Card, powered by Visa
Shopping: grocery, department, electronics, apparel, cosmetics and other retail
Local, international or online
Terms checked 2026-09-24 · Issuer terms ·
5.HSBC Gold Visa Cash Back
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 5310 (Discount Stores) in Philippines, the UnionBank Cash Back Visa Platinum gives the highest cashback at 6% (cap: PHP 1,250 per month (reported)).
MCC 5310 is the merchant category code for Discount Stores (Discount Retail). MCC 5310 covers discount stores that sell a broad range of general merchandise at reduced prices. It is often confused with 5411 (grocery stores and supermarkets) and 5311 (department stores); big-box retailers that sell groceries alongside general goods may use 5310 or 5411, which affects whether grocery rewards apply.
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.