What is MCC 8699?
MCC 8699 is the Merchant Category Code for Membership Organizations (Not Elsewhere Classified). This four-digit code is used by credit card networks to classify businesses that sell membership organizations (not elsewhere classified).
When you use your credit card at a merchant classified under MCC 8699, 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 8699
HSBC TravelOne
0.8 MPDNot excluded
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 8699:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗Woman's World MasterCard
✗UOB Visa Signature
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
✗Maybank XL Rewards
Tips for Maximizing Rewards on MCC 8699
- 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