Best credit card for MCC 8211 in Philippines

MCC 8211 · Elementary and Secondary Schools · Education

For MCC 8211 (Elementary and Secondary Schools) in Philippines, the Metrobank Cashback Visa gives the highest cashback at 5% (cap: P1,000 per statement cycle (total rebates)). 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 8211

Best overall

1.Metrobank Cashback Visa5% cashback · cap: P1,000 per statement cycle (total rebates)≈ 5.0% 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.Robinsons Cashback Card, powered by Visa0.3% cashback≈ 0.30% back

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

Cashback cards

1.Metrobank Cashback Visa
Supermarket/grocery, telecommunications (cable, streaming), school and bookstore
Cap P1,000 per statement cycle (total rebates)Min spend P12,000 per cycle on non-bonus-category purchases
If the P12,000 spend on other categories is not met, these MCCs earn only 0.2%. Computed per transaction
Terms checked 2026-09-24 · Issuer terms ·
5% 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.Robinsons Cashback Card, powered by Visa
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% 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)

FAQ

Which credit card is best for MCC 8211 in Philippines?

What is MCC 8211?

MCC 8211 is the merchant category code for Elementary and Secondary Schools (Education). MCC 8211 covers elementary and secondary schools, including tuition and fees paid to primary and secondary schools, both public and private. It is distinct from 8220 (colleges and universities), 8299 (schools and educational services not elsewhere classified), and 8351 (child care services).

Which cards earn no rewards on MCC 8211 in Philippines?

HSBC Live+ Credit Card exclude MCC 8211 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.