MCC 5311 · Department Stores · Retail
For MCC 5311 (Department Stores) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 Cash Rewards per cycle month (all categories)).
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
Department stores (in-store and online)
0.3% base + 8.58% bonus. Standalone apparel, furniture, electronics, cosmetics and appliance stores are excluded, as are supermarkets, convenience stores and drugstores (0.3% only)
Terms checked 2026-09-24 · Issuer terms ·
2.HSBC Live+ Credit Card
Shopping
Terms checked 2026-09-24 · Issuer terms ·
3.HSBC Gold Visa Cash Back
Back-to-school: department stores (May-August only)
Seasonal: May, June, July and August only; outside these months this is not a bonus category
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 ·
7.UnionBank Cash Back Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.UnionBank Rewards Visa Platinum
Department stores and shopping boutiques (clothing, shoes, accessories), local or overseas, in-store or online
3 Rewards Points per Php30
Terms checked 2026-09-24 · Issuer terms ·
2.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
Highlighted merchants use MCC 5311 as their main code. Seen a different code? Report it.
For MCC 5311 (Department Stores) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 Cash Rewards per cycle month (all categories)).
MCC 5311 is the merchant category code for Department Stores (Retail). MCC 5311 covers department stores offering a wide range of merchandise, such as clothing, cosmetics, home goods, and furnishings, in separate departments. It is often confused with 5310 (Discount Stores) and 5399 (Miscellaneous General Merchandise), which cover discount and general merchandise retailers.
Merchants in Philippines seen with MCC 5311 include Metro Department Store, The SM Store. A merchant's MCC can differ by payment channel, so check the code on your statement.
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.