MCC 3103 covers GARUDA (INDONESIA) merchants, classified under airline. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or airline category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Garuda Indonesia and Lion Air use MCC 3103. It codes for all airline ticket purchases, baggage fees, and in-flight meals.
Cardholders often miscode frequent flyer miles earned as rewards rather than expenses under MCC 3103.
MCC 3103 stands for GARUDA (INDONESIA). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3103 (GARUDA (INDONESIA)) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3103 (GARUDA (INDONESIA)) is not currently a dedicated bonus category for most major credit cards. For airline spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 3103 (GARUDA (INDONESIA)). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for airline spending.
MCC 3103 is assigned to businesses providing garuda (indonesia) services. While this is a less common merchant category, any purchase that posts with code 3103 will be classified as 'GARUDA (INDONESIA)' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3103 (GARUDA (INDONESIA)) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3103 is used for garuda (indonesia) businesses, while MCC 3000 is assigned to united airlines merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.