MCC 5651 · Family Clothing Stores · Retail
For MCC 5651 (Family Clothing Stores) 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.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 5651 as their main code. Seen a different code? Report it.
For MCC 5651 (Family Clothing Stores) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
MCC 5651 is the merchant category code for Family Clothing Stores (Retail). MCC 5651 covers family clothing stores selling apparel for men, women, and children in one store. It is often confused with 5621 (Women's Ready-to-Wear Stores), 5691 (Men's and Women's Clothing Stores), and 5311 (Department Stores) for larger multi-category retailers. Classification can vary by country and store format.
Merchants in Philippines seen with MCC 5651 include Bench, Bench Body, Penshoppe. 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.