MCC 4112 · Passenger Railways · Transportation
For MCC 4112 (Passenger Railways) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
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.Barclaycard Avios Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.British Airways American Express Premium Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
4.British Airways American Express Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.Santander Rewards Credit Card
Trains / TfL / trams
3% only during the first 12 months from account opening, then 0.25%. MCC-based (Mastercard assigns MCCs). MCC 4011 applies only to NI Railways tickets bought at a main Northern Ireland station (NI Railways tickets bought online earn 0.25%). Excludes steam railways, Eurotunnel Le Shuttle, travel-agent rail tickets, congestion charges, travelcards/Oyster top-ups bought at newsagents/garages.
Terms checked 2026-09-24 · Issuer terms ·
2.Santander Edge Explorer Current Account (debit card)
Travel: commuter transport, rail, bus
UK purchases only
Terms checked 2026-09-24 · Issuer terms ·
3.American Express Platinum Cashback Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.American Express Platinum Cashback Everyday Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.Santander All in One Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
6.Barclaycard Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.HSBC Premier World Elite Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
2.American Express Preferred Rewards Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
Highlighted merchants use MCC 4112 as their main code. Seen a different code? Report it.
For MCC 4112 (Passenger Railways) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
MCC 4112 is the merchant category code for Passenger Railways (Transportation). MCC 4112 covers passenger railways, including intercity and long-distance rail operators and railway ticket sales. It is often confused with 4111 (local and suburban commuter passenger transportation), which many metro, subway, and urban transit systems use. Which code a rail operator uses depends on whether it is classified as intercity rail or local commuter transport.
Merchants in the United Kingdom seen with MCC 4112 include Avanti West Coast, c2c, CrossCountry, East Midlands Railway, Great Western Railway (GWR), Greater Anglia, Northern Trains, Thameslink. A merchant's MCC can differ by payment channel, so check the code on your statement.
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.