McDonald's MCC in the UAE
McDonald's outlets mostly use MCC 5814, Fast Food Restaurants, which Kredit reads as fast food spending. Kredit has verified that code from real transaction data.
Codes McDonald's uses
- MCC 5814 · Fast Food Restaurants
- MCC 5811 · Caterers
The code is set per outlet by the payment provider, and Kredit reads these as fast food or dining spending, so the best card can change between McDonald's outlets. Confirm the outlet before you pay.
Why the MCC decides your reward at McDonald's
The reward a card pays at McDonald's depends on the merchant category code, not on what the shop sells. The code is a four-digit number the outlet's payment provider assigns, and your bank reads it to decide whether a payment counts as fast food spending or as general spend.
McDonald's outlets mostly post under MCC 5814, Fast Food Restaurants. A card with a higher rate on fast food spending earns it there. A card whose bonus category is something else pays its base rate on the same purchase.
The code appears on your statement only after the payment posts, when the card is already chosen. Checking the outlet first moves that decision to before you pay.
The codes that most often catch UAE cardholders out are in our guide to MCC code issues.
Which card earns most at McDonald's
At a McDonald's outlet verified under MCC 5814, ADCB 365 Cashback Credit Card earns up to 6.00%, capped at AED 1,000 / month. Modeled on AED 5,000 monthly spend; the cards you hold change the answer.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
How to check a McDonald's outlet's code before you pay
- 01
Find the outlet
Open Kredit Nearby and search for McDonald's, or use your location to see the outlets around you.
- 02
Confirm the branch
Outlets of one brand can carry different codes, so pick the McDonald's branch you are paying at.
- 03
Read the result
Nearby shows the outlet's code, whether Kredit has verified it, and the card in your wallet that earns most there.
At a McDonald's till?
Find the best card nearby
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.
McDonald's MCC questions
What code McDonald's uses, why outlets can differ, and which card to use.