MCC 7278 · Buying and Shopping Services and Clubs · Buying Shopping Services
For MCC 7278 (Buying and Shopping Services and Clubs) in Philippines, the Robinsons Cashback Card, powered by Visa gives the highest cashback at 1% (cap: Php 20,000 per calendar year (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.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 ·
2.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.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 7278 (Buying and Shopping Services and Clubs) in Philippines, the Robinsons Cashback Card, powered by Visa gives the highest cashback at 1% (cap: Php 20,000 per calendar year (combined)).
MCC 7278 is the merchant category code for Buying and Shopping Services and Clubs (Buying Shopping Services). MCC 7278 covers buying and shopping services and clubs, including personal shopping services, buyers' clubs, and membership-based shopping or discount services. It is distinct from 5300 (wholesale clubs such as warehouse stores) and 5968 (continuity and subscription merchants), which covers recurring product subscriptions.
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.