Pan Home MCC in the UAE

Pan Home outlets use MCC 5712, Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances, which Kredit reads as retail spending. Kredit has verified that code from real transaction data.

Why the MCC decides your reward at Pan Home

The reward a card pays at Pan Home 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 retail spending or as general spend.

Pan Home outlets post under MCC 5712, Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances. A card with a higher rate on retail 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.