Colony¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 3710 | The Ritz Carlton Hotels | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| HSBC Revolution Credit Card Colony |
4 mpd | S$1,000 | This is a whitelist MCC | |
| UOB Lady's Card Colony |
4 mpd | S$1,000 | Must select Travel category | |
| UOB Lady's Solitaire Card Colony |
4 mpd | S$750 | Must select Travel category | |
| UOB Preferred Visa Card Colony |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Colony |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| Standard Chartered Visa Infinite Credit Card Colony |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Colony |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card Colony |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Colony |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard Colony |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Colony |
15% | S$250 | S$2,000 | Must select Travel category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| UOB EVOL Credit Card Colony |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| OCBC Frank Credit Card Colony |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Colony |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Colony |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
Street Truth / User-Reported Exceptions¶
Colony (Ritz-Carlton): MCC 3710, 5812, 7011 (exception, user verified, risk: medium)¶
User reported that colony restaurant at Ritz-Carlton can code as a Hotel (MCC 3710 or 7011) instead of Dining (MCC 5812) depending on the terminal used.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony (Ritz-Carlton) |
| MCC | 3710, 7011, 5812 |
| Last verified | 2026-05-12T10:28:43+00:00 |
| Last seen | 2026-05-12T10:28:43+00:00 |
| Observed result | Codes as hotel MCC 3710 or 7011, potentially voiding dining bonuses. |
| Public/official layer | Restaurants should code under dining MCCs like 5812. |
| Caveat | Use Chope or specific terminals to ensure MCC 5812; otherwise risk hotel MCC. |
Colony (Ritz Carlton): MCC 3710 (exception, user verified, risk: medium)¶
User reported that dining at Colony (Ritz Carlton) bills under hotel MCC 3710 instead of a dining MCC
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony (Ritz Carlton) |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Transaction posts as Ritz Carlton under MCC 3710 |
| Public/official layer | Dining establishments typically bill under dining MCCs like 5812 or 5814 |
Colony: MCC 3710 (exception, user verified, risk: low)¶
User reported that dining at Colony restaurant codes as Ritz Carlton (MCC 3710) instead of a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as hotel MCC 3710 (Ritz Carlton). |
| Public/official layer | Restaurants typically code under dining MCCs like 5812. |
| Caveat | Transaction description may only show Ritz Carlton without mentioning Colony. |
Colony: MCC 3710 (exception, user verified, risk: medium)¶
User reported that colony restaurant at Ritz Carlton codes as Ritz Carlton (MCC 3710 - Hotels) instead of dining
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as hotel (MCC 3710), which may affect dining bonus categories |
| Public/official layer | Restaurants typically code as dining (e.g., MCC 5812) |
| Caveat | Transaction description shows as Ritz Carlton, not Colony |
Colony: MCC 3710 (exception, user verified, risk: medium)¶
User reported that dining at Colony codes under Ritz Carlton with Hotel MCC 3710 instead of a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as Hotel MCC 3710 |
| Public/official layer | Should code under a dining/restaurant MCC like 5812 |
| Caveat | Transaction description appears as Ritz Carlton without mentioning Colony |