Best credit card for MCC 5999 in Philippines

MCC 5999 · Miscellaneous and Specialty Retail Stores · Retail

For MCC 5999 (Miscellaneous and Specialty Retail Stores) in Philippines, the Robinsons Cashback Card, powered by Visa gives the highest cashback at 1% (cap: Php 20,000 per calendar year (combined)). 1 card (HSBC Live+ Credit Card) earn nothing on this code.

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.

Cards ranked for MCC 5999

Best overall

1.Robinsons Cashback Card, powered by Visa1% cashback · cap: Php 20,000 per calendar year (combined)≈ 1.0% back
2.HSBC Gold Visa Cash Back0.5% cashback≈ 0.50% back
3.BPI Amore Cashback Card0.3% cashback≈ 0.30% back
4.EastWest Visa Platinum0.3% cashback≈ 0.30% back
5.Metrobank Cashback Visa0.2% cashback≈ 0.20% back

Miles are converted at your mile value; points cards without a published point value are listed separately below.

Cashback cards

1.Robinsons Cashback Card, powered by Visa
Shopping: grocery, department, electronics, apparel, cosmetics and other retail
Cap Php 20,000 per calendar year (combined)Min spend Php 1,000 single receipt
Local, international or online
Terms checked 2026-09-24 · Issuer terms ·
1% cashback
2.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
3.BPI Amore Cashback Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
4.EastWest Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
5.Metrobank Cashback Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback
6.UnionBank Cash Back Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.2% cashback

Points cards

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 ·
0.1 pts per ₱1
2.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0667 pts per ₱1
3.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
4.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
5.RCBC Flex Visa
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.02 pts per ₱1
6.BDO ShopMore Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.002 pts per ₱1

Cards that earn nothing on this MCC

HSBC Live+ Credit Card

Sources (33)

FAQ

Which credit card is best for MCC 5999 in Philippines?

What is MCC 5999?

MCC 5999 is the merchant category code for Miscellaneous and Specialty Retail Stores (Retail). MCC 5999 is a catch-all for miscellaneous and specialty retail stores not classified elsewhere, covering a wide range of goods from specialty gifts to online retail. Because it is so broad, many online retailers and niche shops use it. It is often confused with 5399 (miscellaneous general merchandise), which covers stores with mixed product ranges.

Which cards earn no rewards on MCC 5999 in Philippines?

HSBC Live+ Credit Card exclude MCC 5999 from rewards according to their terms and conditions.

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.