MCC 5541¶
Description: Service Stations (with Or Without Ancillary Services)
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| Caltex | Non-official reference (db) |
| Cheers | Non-official reference (db) |
| CNERGY | Non-official reference (ai suggested) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| Esso | Non-official reference (db) |
| Jollibee | Non-official reference (db) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| Shell | Non-official reference (db) |
| Singapore Petroleum Company | Non-official reference (ai suggested) |
| Sinopec | Non-official reference (db) |
| SPC | Non-official reference (db) |
Street Truth / User-Reported Exceptions¶
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ (base or bonus) for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:38:37+00:00 |
| Observed result | SPC transaction on PPV posted with 0 UNI$. |
| Public/official layer | UOB rewards terms exclude SPC petrol from earning base UNI$ on most cards. |
| Caveat | UOB Lady's Card (with Transport selected) can earn bonus UNI$ at SPC, but PPV and Visa Signature do not. |
SPC: MCC 5541, 5542 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards; bonus UNI$ are only awarded on the UOB Lady's Card if the Transport category is selected, while UOB Visa Signature and Preferred Platinum Visa (PPV) earn no UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Lady's Card |
| MCC | 5541/5542 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | PPV transaction at SPC on Jan 2 posted on Jan 3 with 0 UNI$. Lady's Card earns bonus UNI$ only if Transport is selected. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning due to existing SMART$ or petrol discount partnerships. |
| Caveat | UOB Visa Signature has no bonus UNI$ for SPC, and PPV earns no UNI$ at all for SPC transactions. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | No UNI$ posted for SPC transaction on PPV. |
| Public/official layer | UOB SMART$ merchants (like SPC) typically do not earn regular UNI$ on most UOB cards unless specified. |
| Caveat | UOB Lady's Card (with Transport selected) earns bonus UNI$ at SPC, but no base UNI$. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards, but earn bonus UNI$ on UOB Visa Signature and UOB Lady's Card (with Transport category selected). UOB Preferred Platinum Visa (PPV) does not earn UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ on PPV, bonus only on VS/Lady's |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:30:42+00:00 |
| Observed result | PPV transaction on 2 Jan posted with no UNI$. VS and Lady's (Transport) earn bonus UNI$ only. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning. |
| Caveat | UOB Preferred Platinum Visa (PPV) earns 0 UNI$ at SPC. UOB Visa Signature and Lady's Card only earn bonus points, no base points. |
Gogo Energy via Amaze: MCC 5541 (exception, user verified, risk: low)¶
User reported that paying for petrol via Gogo Energy corporate card (Shell/Esso) linked to Amaze + Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, though a 1.8% credit card fee is levied.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount with 1.8% fee |
| Caveat | A 1.8% credit card fee is levied by the merchant. |
SPC via Mobile Contactless: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) earns 4 mpd (10X UNI$) at SPC petrol stations when paying via mobile contactless payment, bypassing the standard UOB SMART$ merchant UNI$ exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| Route | Mobile Contactless |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T12:34:07+00:00 |
| Observed result | Paying via mobile contactless successfully awards 10X UNI$ (4 mpd). |
| Public/official layer | UOB T&Cs state that SMART$ merchants (like SPC) do not earn regular UNI$. |
| Caveat | Must use mobile contactless (Apple Pay/Google Pay) to bypass the SMART$ terminal system |
Esso: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4 mpd (10X UNI$) at Esso petrol stations due to Esso being a SMART$ merchant, whereas Caltex successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Esso |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T05:33:05+00:00 |
| Observed result | Contactless payment at Esso earned only base 2 mpd (or SMART$) instead of 4 mpd, while Caltex earned 4 mpd. |
| Public/official layer | UOB SMART$ merchants are excluded from earning regular UNI$ / bonus UNI$. |
| Caveat | Esso is a UOB SMART$ merchant, which excludes it from earning 10X UNI$ on UOB cards. |