MCC 5812 · Eating Places, Restaurants · Food
For MCC 5812 (Eating Places, Restaurants) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 per cycle month (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.EastWest Visa Platinum
Dining: restaurants, bars, fast food, food delivery apps
0.3% base + 8.58% bonus
Terms checked 2026-09-24 · Issuer terms ·
2.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 ·
3.HSBC Gold Visa Cash Back
Dining
January-December
Terms checked 2026-09-24 · Issuer terms ·
4.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.UnionBank Rewards Visa Platinum
Restaurants, local or overseas
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 5812 as their main code. Seen a different code? Report it.
For MCC 5812 (Eating Places, Restaurants) in Philippines, the EastWest Visa Platinum gives the highest cashback at 8.88% (cap: Php 1,250 per cycle month (combined)).
MCC 5812 is the merchant category code for Eating Places, Restaurants (Food). MCC 5812 covers eating places and restaurants, including full-service restaurants, cafes with table service, and restaurant dining. It is frequently confused with 5814 (fast food restaurants) and 5813 (bars and nightclubs); a restaurant's code depends on how the acquirer classified it, so similar venues can carry different codes and earn differently under dining rewards.
Merchants in Philippines seen with MCC 5812 include Bonchon Chicken, Bubba Gump Shrimp Company, Burger & Lobster, California Pizza Kitchen, Classic Savory, Happy Lamb Hot Pot, Hokkaido Ramen Santouka, Kenny Rogers Roasters. 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.