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AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardKredit NearbyChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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All merchant codes

MCC 5691 in the UAE

MCC 5691 is the merchant category code for Men’s and Women’s Clothing Stores. Kredit reads it as fashion & apparel spending, so a card's fashion & apparel rate applies when an outlet's payments post under it.

UAE merchants on MCC 5691

Brands whose outlets Kredit has confirmed under this code. The code is set per outlet by the payment provider, so an outlet can still post under another one.

  • ZARA
  • Centrepoint
  • Matalan
  • Birkenstock

Which card earns most on MCC 5691

At a confirmed outlet on MCC 5691, UAB World Credit Card earns up to 3.00%, capped at AED 500 / month. Modelled on AED 5,000 monthly spend; the cards you hold change the answer.

UAB World Credit Card Design

UNITED ARAB BANK (UAB)

UAB World Credit Card

  • Salary: AED 5,000+
  • No Annual Fee for the first year
  • Welcome Offer: ENTERTAINER subscription
  • Up to 10% cashback on school fees, fashion and fuel
  • 100% cashback on eligible video streaming, capped at AED 150/month
ExploreLearn more about UAB World Credit Card credit card benefits and featuresApplyApply for UAB World Credit Card credit card
Citi Ultima Credit Card Design

CITIBANK

Citi Ultima Credit Card

  • Salary: AED 36,750
  • Annual Fee: AED 3,150
  • 30,000 annual bonus miles
  • 5 miles/USD non-AED
  • 2.5 miles/USD in AED
ExploreLearn more about Citi Ultima Credit Card credit card benefits and featuresApplyApply for Citi Ultima Credit Card credit card
Emirates Islamic Emarati Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Emarati Credit Card

  • Salary: AED 12,000+
  • No Annual Fee
  • Exclusive for UAE nationals
  • Welcome Bonus: AED 1,000 cashback
  • Up to 3.75 EI SmartMiles per AED 1
ExploreLearn more about Emirates Islamic Emarati Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Emarati Credit Card credit card

Before you pay

Check the outlet's code

Kredit Nearby shows the code at the outlet in front of you and the card in your wallet that earns most there. New to MCCs? Read how to check a merchant’s MCC before you pay.

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MCC 5691 questions

What MCC 5691 covers, who uses it, and which card earns most on it.

MCC 5691 is the merchant category code for Men’s and Women’s Clothing Stores. Card issuers read it to decide which reward a payment earns, and Kredit reads it as fashion & apparel spending.

Kredit has confirmed MCC 5691 as the main code of ZARA, Centrepoint, Matalan and Birkenstock. The code is set per outlet, so check the outlet in Kredit Nearby before you pay.

At a confirmed outlet on MCC 5691, UAB World Credit Card earns up to 3.00% among the cards Kredit tracks. Kredit Nearby ranks the cards saved in your wallet first.

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