What is MCC 5965?
MCC 5965 is the Merchant Category Code for Direct Marketing - Combination Catalog and Retail Merchant. This four-digit code is used by credit card networks to classify businesses that sell direct marketing - combination catalog and retail merchant.
When you use your credit card at a merchant classified under MCC 5965, 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 5965
HSBC Revolution
4 MPDIncluded in whitelist
Cap: Cap at $1,000 a month
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5965:
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Visa Signature
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards on MCC 5965
- 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
Related MCC Codes
Explore similar MCC codes to find cards that earn rewards on related categories: