What is Ctc Travel's MCC Code?
Ctc Travel uses MCC 5965 (Direct Marketing - Combination Catalog and Retail Merchant). This Merchant Category Code is used by credit card networks to classify transactions at Ctc Travel.
When you use your credit card at Ctc Travel, the transaction is tagged with MCC 5965. 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 Ctc Travel
HSBC Revolution
4 MPDIncluded in whitelist
Cap: Cap at $1,500 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) at Ctc Travel:
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Visa Signature
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at Ctc Travel
- Use the card with the highest bonus rate for MCC 5965
- Track monthly caps to avoid missing out on bonus rewards
- Check if contactless vs inserted card 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