What is MCC 5734?
MCC 5734 is the Merchant Category Code for Computer Software Stores. This four-digit code is used by credit card networks to classify businesses that sell computer software stores.
When you use your credit card at a merchant classified under MCC 5734, the transaction is tagged with this code. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Credit Cards That Earn Bonus Rewards on MCC 5734
HSBC Revolution
4 MPDIncluded in whitelist
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Citibank Rewards MasterCard
4 MPDNot excluded
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5734:
Tips for Maximizing Rewards on MCC 5734
- Use the card with the highest bonus rate for this MCC category
- Track monthly caps to avoid missing out on bonus rewards
- Check if online vs offline spending affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different MCCs
What typically codes as MCC 5734 — and what doesn’t
Covers retail computer software stores — boxed or licensed software sold as a store transaction. Most software spending today happens digitally: app-store and in-app purchases typically post under the digital-goods codes (MCC 5817 for applications, MCC 5818 for games), and SaaS subscriptions often post under the vendor's own registered code. A purchase coding as 5734 is increasingly the exception, so verify before assuming a software bonus applies.
Frequently Asked Questions
What is MCC 5734?
MCC 5734 is the Merchant Category Code for Computer Software Stores. Card networks assign it to computer software stores transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 5734?
5 cards earn the top bonus rate on this code — see the ranked cards above, including monthly caps and conditions.
Why didn’t my transaction earn the bonus category?
The transaction posts under the MCC the acquirer registered, which can differ from what you expect — marketplaces, payment wallets, app stores and booking platforms often re-code purchases. Verify the MCC before large purchases.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 5734: