MCC 4814¶
Description: Fax Services, Telecommunication Services
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| AXS | Non-official reference (db) |
| China Mobile International | Non-official reference (ai suggested) |
| Circles Life | Non-official reference (db) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| Etravel SIM | Non-official reference (public) |
| giga! | Non-official reference (db) |
| Gomo | Non-official reference (db) |
| Googleplay | Non-official reference (visa) |
| James | Non-official reference (visa) |
| Jetpac travel eSIM | Non-official reference (db) |
| Liberty Wireless | Non-official reference (ai suggested) |
| M1 | Non-official reference (db) |
| Microsoft Corporation | Non-official reference (visa) |
| MyRepublic | Non-official reference (db) |
| Nomad eSIM | Non-official reference (visa) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| Samsung | Non-official reference (db) |
| Singtel | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| Starhub | Non-official reference (db) |
| Straits Times (Subscription) | Non-official reference (db) |
| TPG Telecom | Non-official reference (ai suggested) |
| Viewqwest | Non-official reference (db) |
| Vivifi | Non-official reference (visa) |
| Whiz Communications | Non-official reference (ai suggested) |
| Xu Tianwei | Non-official reference (visa) |
| Zero1 | Non-official reference (db) |
Street Truth / User-Reported Exceptions¶
Eight telco: MCC 4814, 5732 (exception, user verified, risk: low)¶
User reported that eight telco physical top-up machines can code as either MCC 4814 (under KM Facilities Management) or MCC 5732 (under 11 Communication Pte Ltd) depending on the specific terminal used.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Eight telco |
| MCC | 4814/5732 |
| Devaluation risk | low |
| Last verified | 2026-05-22T06:24:29+00:00 |
| Last seen | 2026-05-22T06:25:10+00:00 |
| Observed result | Some terminals coded as MCC 5732 (Electronics Stores), allowing cards like HSBC Revolution to earn bonus miles. |
| Public/official layer | Telco top-ups typically code as MCC 4814. |
| Caveat | MCC varies by the specific payment terminal used at the event/location. |
Singtel via Singtel App: MCC 4814 (exception, user verified, risk: low)¶
User reported that paying Singtel bills directly via the Singtel App no longer routes through AXS, allowing eligible credit cards to earn rewards or miles on telco transactions.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | Singtel App |
| MCC | 4814 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-12-14 |
| Last seen | 2024-12-14T10:27:40+00:00 |
| Observed result | Transactions do not go through AXS, allowing standard card rewards to apply |
| Caveat | Subject to individual bank exclusions on telecommunication MCCs. |
Singtel via AXS: MCC 4814 (exception, user verified, risk: medium)¶
User reported that singtel in-app bill payments have transitioned to using the AXS platform, which excludes them from earning rewards on most credit cards. Paying via the Singtel website remains a workaround.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | AXS |
| MCC | 4814 |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:39:26+00:00 |
| Observed result | In-app payments are processed via AXS and do not earn rewards, while website payments still process normally. |
| Public/official layer | AXS transactions are widely excluded from earning rewards across almost all Singapore credit cards. |
| Caveat | Website payment may also eventually transition to AXS. |
Singtel via Singtel Website vs Singtel App: MCC 4814 (exception, user verified, risk: high)¶
User reported that paying Singtel bills via the official website with Citi Rewards Card still earns 4 mpd, but paying via the Singtel app has changed to AXS payment and no longer earns points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Citi Rewards Card |
| Route | Singtel Website vs Singtel App |
| MCC | 4814 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | medium |
| Last verified | 2024-12-04 |
| Last seen | 2024-12-04T01:23:16+00:00 |
| Observed result | Singtel website payment awarded 4 mpd, while Singtel app payment coded as AXS and earned 0 points |
| Public/official layer | AXS transactions are excluded from earning points on Citi cards |
| Caveat | Singtel app payments now route through AXS, which is a standard exclusion |