MCC 5399 · Miscellaneous General Merchandise · Retail
For MCC 5399 (Miscellaneous General Merchandise) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
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.HSBC Live+ Credit Card
Shopping
Terms checked 2026-09-24 · Issuer terms ·
2.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 ·
3.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
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.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 5399 (Miscellaneous General Merchandise) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
MCC 5399 is the merchant category code for Miscellaneous General Merchandise (Retail). MCC 5399 covers miscellaneous general merchandise stores that sell a broad range of goods but are not classified as department stores (5311), discount stores (5310), or variety stores (5331). It is commonly used by online retailers and general e-commerce merchants selling mixed product ranges.
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.