MCC 6540¶
Description: Non-financial Institutions – Stored Value Card Purchase/load; Poi Funding Transactions
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| Atome | Non-official reference (db) |
| Capitastar | Non-official reference (db) |
| CapitaVoucher | Non-official reference (ai suggested) |
| Chocolate Finance | Non-official reference (public) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| EZ-Link | Non-official reference (ai suggested) |
| Ezlink | Non-official reference (db) |
| Flashpay Atu | Non-official reference (visa) |
| Fuzzie | Non-official reference (db) |
| Grab | Non-official reference (db) |
| Instarem | Non-official reference (db) |
| Lazada | Non-official reference (db) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| Shopee | Non-official reference (db) |
| SimplyGo | Non-official reference (db) |
| Singtel | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| Transit Link | Non-official reference (ai suggested) |
| Youtrip | Non-official reference (db) |
Street Truth / User-Reported Exceptions¶
SimplyGo via SimplyGo: MCC 6540 (exception, user verified, risk: high)¶
User reported that simplyGo top-ups on both Mastercard and Visa networks have been reclassified to MCC 6540 (POI Funding/Stored Value Card Purchase/Load), which typically excludes them from earning card rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SimplyGo |
| Route | SimplyGo |
| MCC | 6540 |
| Devaluation risk | high |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T16:29:33+00:00 |
| Observed result | SimplyGo transactions coded as MCC 6540 on both Visa and Mastercard |
| Caveat | Top-ups up to 6 June 2026 were reported as still earning/safe, but subsequent tests on 9 and 10 June 2026 confirmed the change to MCC 6540. |
GrabPay via GrabPay: MCC 6540 (exception, user verified, risk: medium)¶
User reported that grabPay top-ups count towards the $1,000 minimum credit card spend requirement for the Standard Chartered Bonus$aver account.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | GrabPay |
| Card | Standard Chartered Bonus$aver |
| Route | GrabPay |
| MCC | 6540 |
| Last verified | 2026-04-14T23:55:44+00:00 |
| Last seen | 2026-04-14T23:55:44+00:00 |
| Observed result | GrabPay top-ups count towards the $1k spend requirement. |
| Public/official layer | E-wallet top-ups are typically excluded from minimum spend requirements. |
| Caveat | Based on a single user confirmation; e-wallets are typically excluded in T&Cs. | Stacking: Standard Chartered Bonus$aver -> GrabPay |
CapitaStar App: MCC 6540 (exception, user verified, risk: low)¶
User reported that buying e-vouchers via the CapitaStar app codes as MCC 6540 (Stored Value Card Purchase/Funding), which is excluded from rewards on the Citi Rewards Mastercard but still earns rewards on American Express cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CapitaStar App |
| Card | Citi Rewards Mastercard |
| MCC | 6540 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T11:57:48+00:00 |
| Observed result | Citi Rewards Mastercard does not award points, but Amex cards do. |
| Public/official layer | MCC 6540 is typically excluded from rewards by Citibank. |
| Caveat | Amex CapitaCard and other Amex cards are reported to still earn rewards on these purchases. |
Shopee: MCC 6540 (exception, user verified, risk: high)¶
User reported that shopee checkout transactions may unexpectedly code as ShopeePay (MCC 6540) and be excluded from rewards
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | DBS Woman's World Mastercard |
| MCC | 6540 |
| Last verified | 2026-04-16T06:54:11+00:00 |
| Last seen | 2026-04-16T06:54:11+00:00 |
| Observed result | Transactions coded as ShopeePay (MCC 6540) and earned no points. |
| Public/official layer | Regular Shopee purchases should code as MCC 5262 and earn online rewards. |
| Caveat | Users report regular purchases coding as e-wallet top-ups, resulting in zero points on DBS WWMC and exclusion from OCBC sign-up promos. | Stacking: Shopee -> ShopeePay -> DBS WWMC |
EZ-Link: MCC 6540 (exception, user verified, risk: low)¶
User reported that eZ-Link top-ups using the DBS Woman's World Mastercard still earn base points (0.4 mpd / 1X points).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | EZ-Link |
| Card | DBS Woman's World Mastercard |
| MCC | 6540 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 0.4 mpd |
| Devaluation risk | medium |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T23:53:23+00:00 |
| Observed result | User observed that base points were still awarded for EZ-Link top-up. |
| Public/official layer | Points are typically excluded for prepaid account top-ups. |
| Caveat | Only base points are awarded, not the bonus 4 mpd. |