MCC 5965 · Combination Catalog and Retail Merchant · Retail/Direct Mktg
For MCC 5965 (Combination Catalog and Retail Merchant) 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.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.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 ·
For MCC 5965 (Combination Catalog and Retail Merchant) in Philippines, the HSBC Live+ Credit Card gives the highest cashback at 5% (cap: PHP 1,250 per statement cycle (combined)).
MCC 5965 is the merchant category code for Combination Catalog and Retail Merchant (Retail/Direct Mktg). Covers direct marketing merchants that sell through both catalogues (print or online) and physical retail stores. Catalogue-only merchants use 5964, and other direct marketing retailers typically use 5969. Transactions may occur in store, online, by phone or by mail order.
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.