MCC 5499 · Miscellaneous Food Stores (Convenience, Markets, etc.) · Food Retail
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) in Philippines, the HSBC Gold Visa Cash Back gives the highest cashback at 5% (cap: PHP 1,200 per calendar month (all cash back)).
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 Gold Visa Cash Back
Dining
January-December
Terms checked 2026-09-24 · Issuer terms ·
2.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 ·
3.Robinsons Cashback Card, powered by Visa
Dining, bars, fast food, convenience stores, caterers
Local, international or online; computed in Php 1,000 increments
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 5499 as their main code. Seen a different code? Report it.
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) in Philippines, the HSBC Gold Visa Cash Back gives the highest cashback at 5% (cap: PHP 1,200 per calendar month (all cash back)).
MCC 5499 is the merchant category code for Miscellaneous Food Stores (Convenience, Markets, etc.) (Food Retail). MCC 5499 covers miscellaneous food stores such as convenience stores, specialty food markets, delicatessens, bakeries selling for take-home, and health food shops. It is commonly confused with 5411 (grocery stores and supermarkets); smaller food stores and convenience chains often use 5499, so they may not qualify for supermarket rewards categories.
Merchants in Philippines seen with MCC 5499 include FamilyMart, Alfamart, All Day, Dali, Jiffy, O!Save, Puremart, Treats. 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.