ZARA MCC in the UAE

ZARA outlets mostly use MCC 5691, Men’s and Women’s Clothing Stores, which Kredit reads as fashion & apparel spending. Kredit has verified that code from real transaction data.

Why the MCC decides your reward at ZARA

The reward a card pays at ZARA 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 fashion & apparel spending or as general spend.

ZARA outlets mostly post under MCC 5691, Men’s and Women’s Clothing Stores. A card with a higher rate on fashion & apparel 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.