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How can I tell which merchant transactions would be subject to a cash advance fee?

Depending on how merchants have classified their business, the Merchant Category Code (MCC) would then be assigned by the acquiring bank/scheme (which may change from time to time).


You'll need to seek clarification directly from the merchant on what the MCC will be (typically a four-digit code) and see if it falls under the list of MCCs which CIMB classifies as quasi cash transactions.

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