RHB SMART VALUE CREDIT CARD-i

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MERCHANT CATEGORY CODE (MCC)

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

Petrol

· For purchases of petrol made under the MCC of 5541, 5542 and 5983

Grocery

· For transactions of Grocery Stores, Supermarkets under the MCC of 5411

· For transactions of Freezer, Locker Meat Provisioners under the MCC of 5422

· For transactions of Dairy Products Stores under the MCC of 5451

· For transactions of Bakeries under the MCC of 5462

· For transactions of Food and Convenience Stores under the MCC of 5499

Online

· For all online transactions made with “Transaction Mode = M, D, S and U”

· No duplicate for Cash Back will be awarded if the transactions also fall into the above Petrol, Grocery
and Utilities MCC

Utilities

· For transactions of Telecommunication Equipment under the MCC of 4812

· For transactions made from Key-entry Telecom Merchant under the MCC 4813

· For transactions from Telecommunication Services under MCC of 4814

· For transactions of Computer Network/ Information Services under the MCC of 4816

· For transactions of Telegraph Services Utilities under the MCC of 4821

· For transactions of Cable, Satellite and Other Pay Television and Radio Services under the MCC of 4899

· For transactions of Electric, Gas, Heating, Oil, Sanitary, Water Utilities under the MCC of 4900

Others

· For other local retail transactions

MCC Page 1 of 2
 RHB SMART VALUE CREDIT CARD-i
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Region Category MCC Description MCC Examples

5541, 5542, BHP, Shell, Petronas and
Petrol Petrol 5983 all other petrol stations
Grocery Stores 5411 Jaya Grocer, AEON Big,
Freezer, Locker Meat Provisioners 5422 Cold Storage, Giant and
all other hypermarkets or
Candy, Nut, Confectionery Stores 5441
Grocery supermarkets
Dairy Products Stores 5451
Bakeries 5462
Food and Convenience Stores 5499
Online The system will award the Cash Back in the Lazada, Groupon, Agoda
transaction has the following "Transaction Mod = M, and all other e-commerce
Local D, S, and U" websites
IBK transactions are eligible to earn Cash Back
Telecommunication Equipment 4812 Astro, Celcom, Maxis,
Key-entry Telecom Merchant 4813 Digi, Tenaga Nasional
Berhad and all other
Telecommunication Services 4814
utilities.
Computer Network/ Information
Utilities Services 4816
Telegraph Services Utilities 4821
Cable, Satallite and Other Pay 4899
Television and Radio Services
Electrc, Gas, Healing, Oil, 4900
Sanitary, Water Utilities

MCC Page 2 of 2