Best credit card for MCC 6300 in Philippines

MCC 6300 · Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums) · Insurance

For MCC 6300 (Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums)) in Philippines, none of the cards we track gives a bonus. 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 6300

Best overall

1.HSBC Gold Visa Cash Back0.5% cashback≈ 0.50% back
2.BPI Amore Cashback Card0.3% cashback≈ 0.30% back
3.EastWest Visa Platinum0.3% cashback≈ 0.30% back
4.Robinsons Cashback Card, powered by Visa0.3% 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.HSBC Gold Visa Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
2.BPI Amore Cashback Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
3.EastWest Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
4.Robinsons Cashback Card, powered by Visa
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.BPI Platinum Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0667 pts per ₱1
2.Metrobank Toyota Platinum Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
3.Metrobank Travel Platinum Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.05 pts per ₱1
4.UnionBank Rewards Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.0333 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)

Merchants in Philippines using MCC 6300

Allianz AXA Generali Pru Life UK Sun Life Philippines

Highlighted merchants use MCC 6300 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 6300 in Philippines?

What is MCC 6300?

MCC 6300 is the merchant category code for Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums) (Insurance). Covers insurance sales, underwriting and premium payments, such as monthly or annual premiums for life, health, motor, home and travel insurance. Insurance sold through direct marketing channels is often coded 5960, and some insurers use 6399 (Insurance Not Elsewhere Classified).

Which merchants in Philippines use MCC 6300?

Merchants in Philippines seen with MCC 6300 include Allianz, AXA, Generali, Pru Life UK, Sun Life Philippines. A merchant's MCC can differ by payment channel, so check the code on your statement.

Which cards earn no rewards on MCC 6300 in Philippines?

HSBC Live+ Credit Card exclude MCC 6300 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.