MCC 4722¶
Description: Travel Agencies and Tour Operations
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| Agoda | Non-official reference (db) |
| Airbnb | Non-official reference (db) |
| Airpaz | Non-official reference (visa) |
| Airvays | Non-official reference (visa) |
| Anantara Hotels & Resorts | Non-official reference (db) |
| Atlas Travelz | Non-official reference (db) |
| Booking.com | Non-official reference (visa) |
| BusOnlineTicket.com | Non-official reference (db) |
| Chan Brothers Travel | Non-official reference (db) |
| Changi Recommends | Non-official reference (db) |
| Cheap Tickets | Non-official reference (visa) |
| CheapOair | Non-official reference (db) |
| Contiki | Non-official reference (public) |
| CTC Travel | Non-official reference (db) |
| Dream Cruises | Non-official reference (visa) |
| Druk Asia | Non-official reference (visa) |
| Dynasty Travel | Non-official reference (db) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| EU Holidays | Non-official reference (db) |
| Expedia | Non-official reference (db) |
| FCM Travel | Non-official reference (db) |
| Go City | Non-official reference (db) |
| Highlander | Non-official reference (visa) |
| HopeGoo | Non-official reference (db) |
| Horizon Fast Ferry | Non-official reference (db) |
| Hostel World | Non-official reference (db) |
| Hotels.com | Non-official reference (db) |
| HotelsCombined | Non-official reference (db) |
| Iceland Tours | Non-official reference (visa) |
| INTERNALCHEAPFLIGHTS.COM | Non-official reference (db) |
| JR East Pass | Non-official reference (public) |
| JR Tokyo Wide Pass | Non-official reference (public) |
| JTB | Non-official reference (visa) |
| Kayak | Non-official reference (db) |
| Kiwi.com | Non-official reference (db) |
| KKday | Non-official reference (db) |
| Klook | Non-official reference (db) |
| L.G.E Travel | Non-official reference (visa) |
| Let's go Europe | Non-official reference (db) |
| Long Black Cafe | Non-official reference (chope) |
| Luxury Escapes | Non-official reference (db) |
| Nam Ho Travel | Non-official reference (db) |
| New Shan Travel | Non-official reference (db) |
| Omio | Non-official reference (db) |
| Pelago by Singapore Airlines | Non-official reference (db) |
| redBus | Non-official reference (visa) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| SA Tours | Non-official reference (db) |
| Singapore Cable Car | Non-official reference (db) |
| Skyscanner | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| Stayz | Non-official reference (db) |
| Super Travels | Non-official reference (db) |
| The Wandering Lens | Non-official reference (public) |
| Titanic Hotels | Non-official reference (db) |
| Travala | Non-official reference (db) |
| Travel Star | Non-official reference (visa) |
| Travel Trolley | Non-official reference (db) |
| Traveloka | Non-official reference (db) |
| Traveloka Indonesia | Non-official reference (db) |
| Trip.com | Non-official reference (visa) |
| Trivago | Non-official reference (db) |
| Viator | Non-official reference (db) |
| Vrbo | Non-official reference (db) |
| World Vision | Non-official reference (ai suggested) |
| Worldpay | Non-official reference (visa) |
| WTS Travel | Non-official reference (db) |
Street Truth / User-Reported Exceptions¶
Klook, KKday, Trip.com: MCC 4722, 7991 (exception, user verified, risk: low)¶
User reported that mCC 7991 (Tourist Attractions and Exhibits) is not classified as Travel under the UOB Lady's Card, but booking the same attractions via Online Travel Agencies (OTAs) like Klook or KKday (which code as MCC 4722) will successfully trigger the Travel category bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Klook, KKday, Trip.com |
| Card | UOB Lady's Card |
| MCC | 7991, 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T06:23:41+00:00 |
| Observed result | Attraction websites code as MCC 7991 (not travel), but OTAs code as MCC 4722 (travel). |
| Public/official layer | MCC 4722 is eligible for Travel category; MCC 7991 is not. |
| Caveat | Booking directly on attraction websites often codes as MCC 7991, which is excluded from the Travel category. |
Merchant via Amaze: MCC 4722 (exception, user verified, risk: medium)¶
User reported that amaze empty wallet MCC checks can sometimes show a different MCC than the actual posted transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Card | DBS Woman's World Mastercard |
| Route | Amaze |
| MCC | 4722 |
| Last verified | 2026-04-28T15:47:50+00:00 |
| Last seen | 2026-04-28T16:09:43+00:00 |
| Observed result | Actual transaction posted as MCC 4722 despite the empty wallet check showing MCC 7991. |
| Public/official layer | Amaze declined transaction check should reflect the actual merchant MCC. |
| Caveat | User observed MCC 7991 on the declined Amaze check, but the actual transaction posted as MCC 4722 on the DBS WWMC. | Stacking: DBS Woman's World Mastercard -> Amaze -> Merchant |
Agoda: MCC 4722 (exception, user verified, risk: medium)¶
User reported that a user reported not receiving 4 mpd for Agoda (MCC 4722) under the UOB Lady's Card Travel category, with a CSO claiming it falls under Transportation, though T&Cs do not list 4722 under Transportation.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | Agoda |
| Card | UOB Lady's Card |
| MCC | 4722 |
| Last verified | 2026-04-16T01:57:06+00:00 |
| Last seen | 2026-04-16T02:05:27+00:00 |
| Observed result | User did not receive 4 mpd for Agoda under the Travel category. |
| Public/official layer | MCC 4722 is typically considered Travel and is not listed under Transportation in the T&Cs. |
| Caveat | It is unclear if UOB silently changed the category mapping or if the CSO provided incorrect information. |
Fast Food, Travel Agencies: MCC 4722, 5814 (exception, risk: medium)¶
User reported that hSBC Revolution excludes MCC 5814 (Fast Food) and MCC 4722 (Travel Agencies) from earning bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fast Food, Travel Agencies |
| Card | HSBC Revolution |
| MCC | 5814, 4722 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2026-03-24T14:04:31+00:00 |
| Public/official layer | HSBC Revolution T&Cs exclude MCC 5814 and 4722 from 10X reward points. |
Hoshino Resorts / Time Design: MCC 4722 (exception, user verified, risk: high)¶
User reported that hoshino Resorts direct website bookings (often handled by Time Design) post as MCC 4722 (Travel Agencies and Tour Operations), which does not earn bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hoshino Resorts / Time Design |
| Card | HSBC Revolution |
| MCC | 4722 |
| Devaluation risk | low |
| Last verified | 2026-04-01T02:50:07+00:00 |
| Last seen | 2026-04-01T02:50:47+00:00 |
| Observed result | Posted as MCC 4722, resulting in no bonus points on HSBC Revolution |
| Public/official layer | Direct hotel bookings typically post as MCC 7011 |
KKKL Travel Tours Pte Ltd: MCC 4722 (exception, user verified, risk: low)¶
User reported that kKKL Travel Tours Pte Ltd codes as MCC 4722 (Travel Agencies) but processes as a foreign entity, incurring a 1% fee and failing local travel category criteria for Maybank cards even when charged in SGD.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | KKKL Travel Tours Pte Ltd |
| Card | Maybank |
| MCC | 4722 |
| Fees / surcharges | 1% Foreign Entity Fee |
| Devaluation risk | low |
| Last verified | 2026-03-23T07:35:52+00:00 |
| Last seen | 2026-03-23T07:35:52+00:00 |
| Observed result | Processed as foreign entity despite SGD charge, incurring 1% fee and missing local travel bonus. |
| Public/official layer | Local travel categories require local entity processing. |
| Caveat | Change currency to non-SGD to qualify for foreign spend categories instead. |
Pelago: MCC 4722 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa does not earn 4 mpd (10X UNI$) for online transactions under MCC 4722 (such as Pelago or Kris+ in-app payments) because MCC 4722 is not on the card's online whitelist, and in-app payments do not qualify as mobile contactless spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pelago |
| Card | UOB Preferred Platinum Visa |
| MCC | 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T05:39:00+00:00 |
| Observed result | No bonus miles awarded for MCC 4722 online/in-app transactions |
| Public/official layer | UOB PPV earns 10X UNI$ on mobile contactless transactions and selected online whitelisted MCCs only |
| Caveat | In-app payments do not trigger the mobile contactless (offline) bonus |