Merchant MCC Guide

Apple Store Online MCC & rewards

Reported MCC 5732 · Electronics Stores

US · OnlineVisit Apple Store Online website
Last updated: 18 May 2026

Apple Store Online

Online storefront · US

MCC 5732 · Website checkout

Officially verified · Website checkout

Verified MCC 5732 for Website checkout.

Processing can still vary by channel or card network for some merchants, which may change the MCC.

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Cards that may earn bonus rewards

General comparison — no shortlist or Wallet in use.

  • Citibank Rewards MasterCard4 MPD

    MCC is not excluded from the bonus blacklist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to online transactions only
    • Excluded MCCs: Travel-related MCCs (3000–3999 range) are excluded
    Editorial review (reviewed 2026-08-23)
  • HSBC Revolution4 MPD

    MCC is included in the bonus whitelist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to both online and on-site transactions
    Editorial review (reviewed 2026-08-23)
  • Maybank XL Rewards4 MPD

    Foreign-currency transactions earn the bonus rate regardless of MCC

    • Min spend: Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD)
    • Monthly cap: Cap at S$1,000 per calendar month across all bonus categories combined
    • FCY bonus: Earns 4 MPD on all foreign-currency transactions regardless of MCC
    • Excluded local categories: SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.
    Editorial review (reviewed 2026-08-23)
See the full card comparison

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What is Apple Store Online's MCC Code?

Apple Store Online uses MCC 5732 (Electronics Stores). This Merchant Category Code is used by credit card networks to classify transactions at Apple Store Online.

When you use your credit card at Apple Store Online, the transaction is tagged with MCC 5732. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.

Best Credit Cards for Apple Store Online

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Eligible via foreign-currency (FCY) transactions regardless of MCC

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200

Maybank XL Rewards

4 MPD

Eligible via foreign-currency (FCY) transactions regardless of MCC

Cap: Cap at S$1,000 per calendar month across all bonus categories combined
Note: Earns 4 MPD on all foreign-currency (FCY) transactions regardless of MCC. Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD). SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Apple Store Online:

✗OCBC Rewards
✗UOB Lady's Card
✗UOB Lady's Solitaire

Tips for Maximizing Rewards at Apple Store Online

  • Use the card with the highest bonus rate for MCC 5732
  • Track monthly caps to avoid missing out on bonus rewards
  • Check if mobile wallet vs direct payment affects your rewards rate
  • Verify the MCC before making large purchases to ensure bonus eligibility
  • Consider having multiple cards to maximize rewards across different spending categories

Related Merchants

These merchants use the same MCC code (5732) as Apple Store Online:

Best Buy Online
US • online

Related Resources

Best cards for Apple Store OnlineView MCC 5732 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Apple Store Online use?

Apple Store Online uses MCC 5732 (Electronics Stores). This code classifies the merchant as a electronics stores business.

Which credit cards earn rewards at Apple Store Online?

8 credit cards earn bonus rewards at Apple Store Online: HSBC Revolution, UOB Preferred Platinum Visa, Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, UOB KrisFlyer, Maybank XL Rewards, HSBC TravelOne.

What should I check before choosing a card for Apple Store Online?

Compare the reward rate, monthly caps, minimum spend and payment-mode conditions. The issuer's terms determine the final reward for a transaction.

How do I verify Apple Store Online's MCC code?

Use CheckMCC's merchant lookup tool to verify Apple Store Online's MCC code before making large purchases. MCC codes can change, so it's always good to double-check.

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