MCC 5462 · Bakeries · Food
For MCC 5462 (Bakeries) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 8% (cap: PHP 1,250 per statement cycle (all cashback)).
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
Dining (excluding fast food), bakeries, liquor stores
Below PHP 10,000 statement spend, all transactions earn 0.2%
Terms checked 2026-09-24 · Issuer terms ·
2.HSBC Gold Visa Cash Back
Dining
January-December
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 ·
6.Robinsons Cashback Card, powered by Visa
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 ·
Highlighted merchants use MCC 5462 as their main code. Seen a different code? Report it.
For MCC 5462 (Bakeries) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 8% (cap: PHP 1,250 per statement cycle (all cashback)).
MCC 5462 is the merchant category code for Bakeries (Food). Covers bakeries selling bread, cakes, pastries and other baked goods, typically for takeaway. Cafes and restaurants that bake on site but primarily serve food and drink for consumption on premises are usually coded 5812 or 5814 instead. Wholesale bakery suppliers may use other codes.
Merchants in Philippines seen with MCC 5462 include Goldilocks, Julie's, Mrs. Fields, Pan de Manila, Tous les Jours, Red Ribbon. 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.