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?
General User
You are a general user if you engage in everyday purchases across a variety of categories, without a strong focus on any particular area. General users prefer convenience, accessibility, and value, often spending on groceries, utilities, transportation, and occasional entertainment.
Behaviors
Uses the card occasionally for various types of purchases.
Needs
Basic rewards and benefits; prefers straightforward rewards and low fees.
Here are the most important MCCs to look out for if you are a general user:
| 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 |
