Credit Card Profiles
Find the best credit card for your lifestyle. Explore different credit card profiles to discover the right card for you.
What type of credit card user are you?
Digital Savvy
You are digital-savvy if you rely on technology for shopping, entertainment, and financial transactions, seamlessly integrating digital tools into daily life. Digital-savvy consumers prefer online marketplaces and tend to subscribe to many online services –anything from Netflix to Grab Unlimited.
Behaviors
Daily usage for online shopping, travel, and rewards through apps.
Needs
Focus on rewards earned through direct online spending and digital payment channels.
Here are the most important MCCs to look out for if you are digital-savvy:
| MCC | Description | Examples |
|---|---|---|
| 5311 | Department Stores | Central, The Mall, Daiso |
| 5331 | Variety Stores | - |
| 5399 | Misc. General Merchandise | Mr. DIY |
| 5699 | Miscellaneous Apparel and Accessory Shops | Naraya, Crumpler |
| 5944 | Watch, Clock, Jewelry, and Silverware Stores | Rolex, Cartier, Patek Philippe, Audemars Piguet, Omega, Tiffany & Co., Harrods |
| 5712 | Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances | IKEA, Index Living Mall |
| 5200 | Home Supply Warehouse Stores | HomePro, Global House, Dhome, Thaiwatsadu, Boonthavorn, Index |
| 5734 | Computer Software Stores | Adobe, Google Cloud |
| 5816 | Digital Goods: Games | Garena, Steam |
| 5817 | Digital Goods: Applications (Excludes Games) | Line, Facebook |
| 5310 | Discount Stores | Shopee, Lazada, Temu |
| 4899 | Cable and other pay television (previously Cable Services) | True Vision, AIS Play, YouTube |
| 5815 | Digital Goods: Media, Books, Movies, Music | Netflix, Spotify, Disney+ |
| 5968 | Direct Marketing – Continuity/Subscription Merchant | Amazon Prime, Patreon |
| 5732 | Electronic Sales | Power Buy, JIB, Power Mall, Sony |
