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?
Entry User
You are an entry card user if you are new to credit cards, using them mainly for essential purchases and building a credit history. Entry card users don't have any specific spend category, but would prefer low-fee cards, simple rewards, and manageable spending limits to avoid debt while gaining financial flexibility.
Behaviors
Limited spending, uses credit card primarily for convenience
Needs
Low fees, rewards on everyday purchases, educational discounts, and budgeting tools.
For entry card users, who typically spend conservatively and focus on essentials, the most relevant MCCs are:
| 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 |
