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?
Luxury
You are a luxury spender if you prioritize high-end, exclusive, and premium products and services, often making purchases in fashion, luxury cars, and fine watches. Luxury spenders prefer designer brands, top-tier automobiles, bespoke experiences, and collectibles, seeking both status and quality in their purchases.Hence, credit cards should have uncapped rewards to allow luxury spenders to maximize rewards.
Behaviors
Spends on premium goods, exclusive events, and high-value purchases.
Needs
Premium rewards, concierge services, exclusive offers, and luxury travel perks.
Here are the most important MCCs to look out for if you are a luxury spender:
| 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 |
