Sephora MCC in the UAE
Sephora outlets mostly use MCC 5977, Cosmetic Stores, which Kredit reads as cosmetics & beauty spending. Kredit has verified that code from real transaction data.
Codes Sephora uses
- MCC 5977 · Cosmetic Stores
- MCC 5651 · Family Clothing Stores
The code is set per outlet by the payment provider, and Kredit reads these as cosmetics & beauty or fashion & apparel spending, so the best card can change between Sephora outlets. Confirm the outlet before you pay.
Why the MCC decides your reward at Sephora
The reward a card pays at Sephora 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 cosmetics & beauty spending or as general spend.
Sephora outlets mostly post under MCC 5977, Cosmetic Stores. A card with a higher rate on cosmetics & beauty 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 Sephora
At a Sephora outlet verified under MCC 5977, FAB Emirati Islamic Credit Card earns 4.49%, capped at 500,000 points / month · 200,000 points / month. Modeled on AED 5,000 monthly spend; the cards you hold change the answer.
FIRST ABU DHABI BANK (FAB)
FAB Emirati Islamic Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 630
- Exclusive for UAE nationals
- Up to 15 FAB Rewards per AED spent
- Free valet parking 5 times a month across the UAE
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
Shopping at Sephora?
Best credit cards for Sephora
Compare the UAE credit cards that earn most on Sephora spending.
How to check a Sephora outlet's code before you pay
- 01
Find the outlet
Open Kredit Nearby and search for Sephora, 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 Sephora 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 Sephora 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.
Sephora MCC questions
What code Sephora uses, why outlets can differ, and which card to use.