Em¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5814 | Fast Food Restaurants | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Maybank XL Rewards Card Em |
4 mpd | S$1,000 | S$500 | |
| UOB Lady's Card Em |
4 mpd | S$1,000 | Must select Dining category | |
| UOB Lady's Solitaire Card Em |
4 mpd | S$750 | Must select Dining category | |
| UOB Preferred Visa Card Em |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Em |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| Standard Chartered Journey Card Em |
3 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Standard Chartered Visa Infinite Credit Card Em |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Em |
2.4 mpd | Reward on foreign currency expenditure | ||
| KrisFlyer UOB Credit Card Em |
2.4 mpd | S$800 | With minimum S$800 annual spend on Singapore Airlines, Scoot, and KrisShop | |
| UOB Reserve Credit Card Em |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Em |
15% | S$250 | S$2,000 | Must select Dining category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| BOC Family Card Em |
10% | S$25 | S$800 | This is an eligible Dining & Movie merchant |
| UOB EVOL Credit Card Em |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| HSBC Live+ Card Em |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
| Maybank Family & Friends Card Em |
8% | S$25 | S$800 | Must select Dining & Food Delivery category |
Street Truth / User-Reported Exceptions¶
Merchant via CardUp/SC EasyBill/SC Income Tax Payment Facility: MCC 9311 (exception, user verified, risk: low)¶
User reported that cardUp, SC EasyBill, and the SC Income Tax Payment Facility transactions count towards the S$2,000 minimum spend requirement for the Standard Chartered Visa Infinite 50,000 miles sign-up bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Standard Chartered Visa Infinite |
| Route | CardUp/SC EasyBill/SC Income Tax Payment Facility |
| MCC | 9311 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T13:37:16+00:00 |
| Observed result | Users confirmed these transactions successfully count towards the S$2,000 sign-up bonus spend. |
| Public/official layer | Tax payments (MCC 9311) are generally excluded from retail spend, but specific sign-up promo terms allow SC EasyBill, CardUp, and the SC Income Tax Payment Facility. |
| Caveat | General retail exclusions list MCC 9311 as excluded, but these specific payment routes/facilities are explicitly included for the sign-up bonus spend. |
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. |
NUHS (National University Health System): MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS (National University Health System) payments code as MCC 9399 (Government Services) instead of MCC 8062 (Hospitals), which excludes them from earning rewards on cards like the Citi Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS (National University Health System) |
| Card | Citi Woman's World Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:20:14+00:00 |
| Observed result | NUHS transactions coded as MCC 9399. |
| Public/official layer | Citi Woman's World Card excludes MCC 9399 (Government Services) from earning points. |
| Caveat | Other hospitals like SGH may code under MCC 8062, but KKH and NUHS are known to be difficult or code as government services. |
Hospitals / Schools (exception, risk: low)¶
User reported that maybank credit cards generally do not exclude medical or education MCCs from earning rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Hospitals / Schools |
| Card | Maybank |
| MCC | Medical / Education |
| Last verified | 2026-04-14T08:17:05+00:00 |
| Last seen | 2026-04-14T08:17:05+00:00 |
| Observed result | Maybank continues to award points/cashback for these categories. |
| Public/official layer | Most banks exclude medical and education MCCs from rewards. |
| Caveat | Other standard exclusions still apply even for foreign currency transactions. |
Marks & Spencer via Samsung Pay: MCC 5311 (exception, user verified, risk: low)¶
User reported that citi Rewards Card earns 4 mpd on whitelisted MCCs (such as MCC 5311 Department Stores) when paid via in-store mobile wallets (Apple Pay, Google Pay, Samsung Pay), despite customer service officers sometimes incorrectly claiming they are excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Marks & Spencer |
| Card | Citi Rewards Card |
| Route | Samsung Pay |
| MCC | 5311 |
| Programme | Citi ThankYou Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last seen | 2026-06-10T13:07:36+00:00 |
| Observed result | CSOs incorrectly claim mobile wallets are excluded when users query missing points. |
| Public/official layer | In-store mobile wallet transactions on whitelisted MCCs earn 4 mpd. |
| Caveat | The transaction must fall under a whitelisted MCC; CSOs frequently give incorrect advice regarding mobile wallet exclusions. |
Insurance: MCC 6300 (exception, user verified, risk: low)¶
User reported that insurance premium payments charged directly to Citi credit cards do not earn miles, but they do count as qualifying spend for welcome offers and the $12,000 quarterly spend required for the free airport limo benefit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | Insurance |
| Card | Citi PremierMiles |
| MCC | 6300 |
| Programme type | airport_lounge |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T12:55:10+00:00 |
| Observed result | Users confirmed insurance premium payments count towards the $12k quarterly spend for the free airport limo ride. |
| Public/official layer | Citi T&Cs exclude insurance from earning points/miles, but include it in qualifying spend for retail milestones unless paid via interest-free installments or specific excluded bill payment channels. |
| Caveat | Does not earn any base or bonus miles. |
Private Hospital via Amaze: MCC 8062 (exception, user verified, risk: low)¶
User reported that paying private hospital bills using Instarem Amaze linked to a 4 MPD card (such as Citi Rewards) successfully yields 4 MPD, subject to Amaze's 1% domestic transaction fee.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Private Hospital |
| Card | Amaze |
| Route | Amaze |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 MPD |
| Fees / surcharges | 1% fee |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T03:06:48+00:00 |
| Observed result | Successfully earned 4 MPD via Amaze routing despite the 1% fee. |
| Public/official layer | Direct hospital transactions are typically excluded from rewards on most cards. |
| Caveat | Incurs a 1% domestic transaction fee on Amaze. |
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 |
Lazada: MCC 5262 (exception, user verified, risk: medium)¶
User reported that lazada purchases can code under MCC 5262 (Home Supply Warehouse), which falls outside the UOB Lady's Card 'Shopping' category. Large e-commerce platforms like Lazada, Shopee, Amazon, and Taobao use a pool of unpredictable MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Lazada |
| Card | UOB Lady's Card |
| MCC | 5262 |
| Programme | UOB Uni$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T09:31:25+00:00 |
| Observed result | Lazada transaction coded as MCC 5262 and did not qualify for the Shopping category bonus |
| Public/official layer | UOB Lady's Shopping category covers specific retail MCCs, but excludes MCC 5262 |
| Caveat | E-commerce platforms use multiple MCCs, making bonus point eligibility unpredictable |
Merchant: via Amaze (exception, user verified, risk: low)¶
User reported that for the best results when testing merchant category codes (MCC) using an empty Amaze wallet, keep the Amaze card unlocked and ensure all payment settings (including overseas and contactless) are enabled.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Amaze |
| Route | Amaze |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T12:22:44+00:00 |
| Observed result | Declined transactions show up instantly in the app with MCC details when card is unlocked and settings are enabled |
| Caveat | Requires keeping the wallet empty to trigger a decline while still capturing the transaction details |
Singhealth / HealthHub: MCC 9399 (exception, risk: medium)¶
User reported that singhealth payments via HealthHub may code under MCC 9399 instead of MCC 8099, which could exclude them from MariBank bonus cashback.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Singhealth / HealthHub |
| Card | MariBank Debit Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | unknown |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Users flagged that HealthHub payments are now likely coding as MCC 9399. |
| Public/official layer | MCC 9399 is typically excluded from bank rewards and cashback programs. |
| Caveat | MCC classification may have recently changed from 8099 (Medical Services) to 9399 (Government Services). |
Mister Mobile (Parkway Parade): MCC 5814 (exception, user verified, risk: medium)¶
User reported that the Mister Mobile outlet at Parkway Parade codes under MCC 5814 (Fast Food Restaurants) instead of a standard telecom or retail MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Mister Mobile (Parkway Parade) |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:05:33+00:00 |
| Observed result | Codes as MCC 5814 |
| Caveat | This coding is highly unusual for a mobile phone shop and may be specific to the Parkway Parade outlet. |
Vivobarefoot via Global-E: MCC 5661 (exception, user verified, risk: medium)¶
User reported that online purchases from overseas merchants using the Global-E payment gateway (such as Vivobarefoot) are processed in Singapore, which can prevent them from earning foreign currency transaction bonuses on cards that require overseas processing.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Vivobarefoot |
| Card | UOB Visa Signature |
| Route | Global-E |
| MCC | 5661 |
| Devaluation risk | low |
| Last verified | 2026-06-03 |
| Last seen | 2026-06-03T06:53:29+00:00 |
| Observed result | Processed in Singapore, failing the overseas processing requirement for FCY bonus |
| Caveat | Transaction is processed in Singapore despite being in USD on a US website |
Transit Link / SimplyGo via SimplyGo: MCC 4111 (exception, user verified, risk: low)¶
User reported that aMEX transit promotion spend requirements (e.g., spend S$10 on MRT/Bus for cashback or bonus miles) are cumulative across multiple rides rather than requiring a single S$10 transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Transit Link / SimplyGo |
| Card | AMEX Platinum Credit Card |
| Route | SimplyGo |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback/miles |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T02:18:04+00:00 |
| Observed result | Multiple smaller transit transactions accumulate to hit the S$10 target. |
| Public/official layer | Spend S$10 on transit to receive the offer reward. |
| Caveat | Must register for the specific Amex Offer first. |
Kappadokia Kebabs: MCC 5462 (exception, user verified, risk: low)¶
User reported that kappadokia Kebabs codes under MCC 5462 (Bakeries) instead of a standard restaurant or eating place MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Kappadokia Kebabs |
| Card | UOB PRVI Miles Mastercard |
| MCC | 5462 |
| Devaluation risk | low |
| Last verified | 2026-06-01 |
| Last seen | 2026-06-01T06:08:45+00:00 |
| Observed result | Codes as MCC 5462 (Bakeries) |
| Caveat | Tested and verified by user before making the full transaction |
NUHS Pte Ltd: MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS Pte Ltd codes as MCC 9399 (Government Services) and has been observed to count towards the UOB One Card minimum spend requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS Pte Ltd |
| Card | UOB One |
| MCC | 9399 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-31 |
| Last seen | 2026-05-31T13:36:41+00:00 |
| Observed result | Counted towards the UOB One minimum $500 spending for interest |
| Public/official layer | Government services are typically excluded from UOB One spend |
| Caveat | MCC 9399 is typically excluded from rewards, but was observed to count towards the UOB One minimum spend for interest |
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. |
Eight Telecom via Paywave: MCC 4814 (exception, user verified, risk: medium)¶
User reported that topping up Eight telecom at their physical Citylink event via Paywave may not post under the standard 4814 telecommunication MCC, instead appearing as '11 Communication Pte. Ltd' or 'KM facilities management pte ltd'.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Eight Telecom |
| Route | Paywave |
| Devaluation risk | low |
| Last verified | 2026-05-22T04:53:15+00:00 |
| Last seen | 2026-05-22T04:53:15+00:00 |
| Observed result | Transactions posted under unexpected merchant names, potentially affecting category bonus eligibility. |
| Public/official layer | Telecom top-ups typically code as MCC 4814. |
| Caveat | Terminal setup at the event appears inconsistent. |
Merchant: via Amaze (exception, user verified, risk: low)¶
User reported that uOB PRVI Mastercard can be linked to an empty Amaze wallet to test and reveal a merchant's exact MCC via a declined transaction before paying with the physical card, bypassing the fact that UOB excludes Amaze from earning miles.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Card | UOB PRVI Mastercard |
| Route | Amaze |
| Last verified | 2026-05-18T11:24:28+00:00 |
| Last seen | 2026-05-18T11:24:28+00:00 |
| Observed result | Users use Amaze purely as an MCC oracle by forcing a decline, then use the physical card to earn miles. |
| Public/official layer | UOB does not award miles for Amaze transactions. |
| Caveat | Transaction must fail (empty wallet) to just see the MCC, then pay with the physical UOB card to earn miles. | Stacking: Amaze -> UOB PRVI Mastercard |
Hilton China (exception, user verified, risk: low)¶
User reported that hilton properties in China may appear with pinyin acronym merchant names (e.g., SZSHRYXASYGLYXGS for Conrad Shenzhen) but still trigger Amex statement credits because Amex relies on MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Hilton China |
| Card | Amex Platinum |
| Last verified | 2026-05-11T14:11:43+00:00 |
| Last seen | 2026-05-11T14:11:43+00:00 |
| Observed result | Acronym merchant names still trigger the Amex Hilton credit due to correct MCC |
Accor Plus: MCC 8699 (exception, user verified, risk: medium)¶
User reported that accor Plus payments may post as MCC 8699 instead of the official 7997. Despite MCC 8699 being a common exclusion, Citi Rewards Visa still awards 4 mpd for it as an eligible online transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Accor Plus |
| Card | Citi Rewards Visa |
| MCC | 8699 |
| Last verified | 2026-05-11T12:25:22+00:00 |
| Last seen | 2026-05-11T12:25:22+00:00 |
| Observed result | Posted as MCC 8699 and earned 4 mpd on Citi Rewards Visa. |
| Public/official layer | Accor Plus officially codes as MCC 7997. |
| Caveat | Depends on the exact MCC it hits; 8699 is risky for other banks. |
Dining (China): via Alipay (exception, user verified, risk: medium)¶
User reported that uOB Lady's Card linked to Alipay for direct dining charges in China may not award bonus miles, likely due to Alipay masking the MCC.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | Dining (China) |
| Card | UOB Lady's Card |
| Route | Alipay |
| Last verified | 2026-05-07T09:03:51+00:00 |
| Last seen | 2026-05-07T09:03:51+00:00 |
| Observed result | No bonus miles awarded for dining paid via Alipay. |
| Public/official layer | Dining category should earn bonus miles on UOB Lady's Card. |
| Caveat | Alipay may mask the underlying MCC, preventing category bonuses. |
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 |
Shopee: MCC 5331 (exception, user verified, risk: low)¶
User reported that oCBC Rewards awards bonus points for Shopee purchases based on merchant name rather than MCC, earning bonuses even if the MCC is 5331 (Variety Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | OCBC Rewards |
| MCC | 5331 |
| Last verified | 2026-04-17T14:58:01+00:00 |
| Last seen | 2026-04-17T14:59:46+00:00 |
| Observed result | Shopee transactions earn bonus points based on merchant description regardless of the underlying MCC (except ShopeePay). |
| Public/official layer | OCBC Rewards typically awards bonuses based on specific whitelisted MCCs. |
| Caveat | ShopeePay top-ups (MCC 5262) are excluded. |
Manulife (exception, user verified, risk: medium)¶
User reported that dBS Vantage card awarded points for a Manulife insurance transaction despite customer service stating it would not earn points due to the MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Manulife |
| Card | DBS Vantage |
| MCC | Insurance |
| Last verified | 2026-04-15T13:33:06+00:00 |
| Last seen | 2026-04-15T14:20:22+00:00 |
| Observed result | Points were successfully awarded for the transaction. |
| Public/official layer | Insurance transactions typically do not earn points. |
| Caveat | CSO stated it shouldn't earn points, so there may be clawback risk or inconsistency. |
Cat Cafe Mocha Lounge Shinjuku: MCC 7399 (exception, user verified, risk: medium)¶
User reported that cat Cafe Mocha Lounge Shinjuku codes as MCC 7399 (Business Services Not Elsewhere Classified).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cat Cafe Mocha Lounge Shinjuku |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-08T11:20:54+00:00 |
| Last seen | 2026-04-08T11:20:54+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Cafes typically code under dining MCCs like 5812 or 5814. |
| Caveat | MCC 7399 is typically excluded from rewards by most banks. |
NTUC Income via CardUp: MCC 6300 (exception, user verified, risk: low)¶
User reported that nTUC Income insurance premiums cannot be paid via CardUp.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NTUC Income |
| Route | CardUp |
| MCC | 6300 |
| Devaluation risk | low |
| Last verified | 2026-04-04T08:46:24+00:00 |
| Last seen | 2026-04-04T08:46:24+00:00 |
| Observed result | NTUC Income does not accept CardUp payments. |
| Public/official layer | CardUp generally supports insurance payments. |
Family Mart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that family Mart in Taiwan codes as MCC 7399 (Business Services Not Elsewhere Classified) instead of a standard convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Family Mart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Coded as MCC 7399. |
| Public/official layer | Convenience stores typically code under MCC 5499. |
FamilyMart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that familyMart in Taiwan codes as MCC 7399 (Business Services) instead of a typical convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FamilyMart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Codes as MCC 7399 |
| Public/official layer | Convenience stores typically code as MCC 5499 |
Goldheart: MCC 5944 (exception, user verified, risk: medium)¶
User reported that goldheart codes as MCC 5944 (Jewelry Stores), but bonus points may not post automatically and require manual CSO intervention.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Goldheart |
| MCC | 5944 |
| Devaluation risk | low |
| Last verified | 2026-03-26T09:16:22+00:00 |
| Last seen | 2026-03-26T09:16:22+00:00 |
| Observed result | Bonus points were omitted by the system but awarded after CSO verified the MCC. |
| Public/official layer | MCC 5944 is eligible for bonus points on certain cards. |
| Caveat | Requires calling CSO to manually credit missing bonus points. |
CardUp via CardUp: MCC 7399 (exception, user verified, risk: low)¶
User reported that cardUp transactions (which code as MCC 7399) for car loans successfully earn cashback on the Maybank Platinum Visa Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Maybank Platinum Visa |
| Route | CardUp |
| MCC | 7399 |
| Programme | Maybank TREATS |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 3.33% cashback |
| Fees / surcharges | CardUp fee applies (e.g., 1.73% promo fee) |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T02:04:03+00:00 |
| Observed result | User received cashback on Maybank Platinum Visa for CardUp car loan payments. |
| Caveat | Verified specifically for car loan payments; mortgage payments were not explicitly confirmed by the user. |
Ming Ang (exception, user verified, risk: medium)¶
User reported that maybank Family & Friends prioritizes the Dining category over the MYR spend category for Malaysian restaurant spend, which can consume the Dining sublimit instead of the MYR sublimit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ming Ang |
| Card | Maybank Family & Friends |
| MCC | Dining |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-03-22T10:08:01+00:00 |
| Last seen | 2026-03-22T12:30:30+00:00 |
| Observed result | SGD30 equivalent spent at a restaurant in MYR was posted to the Dining category, causing the $375 Dining sublimit to burst while the MYR sublimit remained unused. |
| Caveat | Only applies if the transaction MCC falls under Dining. |
Zenith Tuition via CardUp: MCC 7399 (exception, risk: low)¶
User reported that zenith tuition payments processed via CardUp are billed directly under the merchant name 'Zenith' (MCC 7399) rather than 'CardUp', allowing specialized 4mpd cards to earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Zenith Tuition |
| Card | UOB Preferred Platinum Visa / HSBC Visa Signature / Citi Rewards |
| Route | CardUp |
| MCC | 7399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.75% to 1.95% CardUp admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T10:51:41+00:00 |
| Observed result | The transaction is billed directly as Zenith (MCC 7399), bypassing the standard CardUp exclusions. |
| Public/official layer | CardUp payments are generally excluded from 4mpd specialized spending categories. |
| Caveat | This relies on CardUp's direct-billing integration for specific merchants where the transaction is not masked as CardUp. |
Merchant: via Contactless PayWave (exception, user verified, risk: low)¶
User reported that cover or tape the EMV chip on the physical HSBC Revolution card when using it overseas (e.g. Japan) to prevent cashiers from inserting it, which would transact via contact chip and miss out on the contactless bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | HSBC Revolution |
| Route | Contactless PayWave |
| Programme | HSBC Revolution |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T13:14:14+00:00 |
| Observed result | Inserting the chip results in a contact transaction earning only base points. |
| Public/official layer | Contactless or online transactions on whitelisted MCCs earn bonus points. |
| Caveat | Cashiers in Japan may attempt to insert the card if they are used to chip transactions. |
Takashimaya B2 / Fairs: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) food stalls and fairs (e.g., mooncakes) may code as MCC 5814 (Fast Food) instead of department store.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya B2 / Fairs |
| MCC | 5814 |
| Last verified | 2025-10-04T11:07:13+00:00 |
| Last seen | 2025-10-04T11:07:13+00:00 |
| Observed result | Transactions coded as MCC 5814 (Fast Food). |
| Public/official layer | Takashimaya usually codes as Department Store (MCC 5311). |
| Caveat | Receipt still shows Takashimaya; verified via HeyMax. |
Takashimaya: MCC 5814 (exception, user verified, risk: medium)¶
User reported that takashimaya B2 stalls and basement fairs can code as MCC 5814 (Fast Food) instead of Department Store
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:07:13+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Purchases at B2 stalls and basement fairs coded as MCC 5814 |
| Public/official layer | Takashimaya transactions typically code as MCC 5311 (Department Stores) |
| Caveat | Depends on the specific stall or fair; luggage fairs might still code as 5311 |
Takashimaya Basement Fair: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) food fairs can code as MCC 5814 (Fast Food) instead of the expected department store MCC, even if the receipt is under Takashimaya.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya Basement Fair |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Transaction coded as MCC 5814 (Fast Food). |
| Public/official layer | Takashimaya transactions typically code as MCC 5311 (Department Stores). |
| Caveat | Depends on the specific stall or type of fair; non-food fairs like luggage may code as 5311. |
Takashimaya: MCC 5814 (exception, user verified, risk: low)¶
User reported that purchases at Takashimaya basement fair (e.g., food, mooncakes) may code as MCC 5814 (Fast Food) instead of MCC 5311 (Department Store), despite the receipt showing Takashimaya.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Basement fair food stalls coded as MCC 5814. |
| Public/official layer | Takashimaya usually codes as MCC 5311 (Department Store). |
| Caveat | Depends on the specific terminal/stall used at the fair. |
Takashimaya: MCC 5814 (exception, user verified, risk: low)¶
User reported that purchases at Takashimaya B2 food fairs and mooncake stalls may code as MCC 5814 (Fast Food) instead of the main department store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Transactions coded as 5814 Fast Food on HeyMax despite the receipt showing Takashimaya. |
| Caveat | Depends on the specific terminal used by the stall; non-food fairs (e.g., luggage) may still code as MCC 5311. |
Takashimaya: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) fairs can code as MCC 5814 (Fast Food) instead of the usual department store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Coded as 5814 |
| Public/official layer | Takashimaya usually codes as 5311 |
| Caveat | Depends on the specific stall or fair type. |
Ya Kun Suntec City via In-app payment: MCC 5734, 5812 (exception, user verified, risk: low)¶
User reported that ya Kun outlets at Suntec City code differently depending on the location: the Level 2 outlet codes as MCC 5734 via app (Visa), while the Basement 1 outlet codes as MCC 5812 via app (Mastercard).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Suntec City |
| Route | In-app payment |
| MCC | 5734, 5812 |
| Devaluation risk | low |
| Last verified | 2024-12-27 |
| Last seen | 2024-12-27T00:36:54+00:00 |
| Observed result | Suntec Level 2 coded as MCC 5734 via Visa app payment; Suntec Basement 1 coded as MCC 5812 via Mastercard app payment. |
| Caveat | MCC varies by specific outlet location and card network used in-app. |
Sevenrooms (exception, user verified, risk: low)¶
User reported that restaurant reservation payments made on Sevenrooms are coded as Travel, making them eligible for online travel bonus rates on cards like the DBS Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Sevenrooms |
| Card | DBS Woman's World Card |
| MCC | Travel |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-12-13 |
| Last seen | 2024-12-13T12:48:25+00:00 |
| Observed result | Tagged as Travel and successfully earned bonus points on DBS WWMC |
Merchant via SimplyGo: MCC 4111, 4900, 8211, 8220, 8241, 8244, 8249, 8299 (exception, user verified, risk: low)¶
User reported that the Maybank FC Barcelona Visa card offers 1.6% cashback with no minimum spend and includes commonly excluded categories such as education, utilities, and public transport (SimplyGo).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Maybank FC Barcelona |
| Route | SimplyGo |
| MCC | 8211, 8220, 8241, 8244, 8249, 8299, 4900, 4111 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.6% |
| Devaluation risk | low |
| Last verified | 2024-12-10 |
| Last seen | 2024-12-10T14:47:50+00:00 |
| Observed result | Cashback awarded for education, utilities, and SimplyGo transactions |
| Public/official layer | 1.6% cashback on local retail transactions with no minimum spend |
| Caveat | Government services are excluded, unlike Amex True Cashback |
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. |
AIA via SimplyGo EZ-Link: MCC 6300 (exception, user verified, risk: low)¶
User reported that aIA insurance premiums can be paid using a SimplyGo EZ-Link card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | AIA |
| Route | SimplyGo EZ-Link |
| MCC | 6300 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T07:32:49+00:00 |
| Observed result | User successfully paid their AIA insurance premium using a SimplyGo EZ-Link card. |
| Caveat | Requires topping up the SimplyGo EZ-Link card beforehand; check if your credit card rewards EZ-Link top-ups. |
Dairy Farm Group: MCC 5411 (exception, user verified, risk: low)¶
User reported that physical card transactions at Dairy Farm Group merchants post on the same day, making them reliable for meeting last-minute UOB One card monthly spend deadlines.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Dairy Farm Group |
| Card | UOB One Card |
| MCC | 5411 |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-29 |
| Last seen | 2024-11-29T11:54:49+00:00 |
| Observed result | Physical card transactions at Dairy Farm merchants post on the same day. |
| Caveat | Must use the physical card; online transactions typically do not post on the same day. |
Guardian: MCC 5912 (exception, user verified, risk: low)¶
User reported that transactions made with a physical UOB One card at Guardian post on the same day, making it a viable option for meeting last-minute monthly spend thresholds.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Guardian |
| Card | UOB One |
| MCC | 5912 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T03:52:48+00:00 |
| Observed result | Transaction posted on the same day |
| Caveat | Must be physical card transaction |
Guardian: MCC 5912 (exception, user verified, risk: low)¶
User reported that physical transactions made at Guardian using a physical UOB One credit card post on the same day, which can help meet last-minute monthly spend requirements.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Guardian |
| Card | UOB One |
| MCC | 5912 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T03:53:43+00:00 |
| Observed result | Transaction posted on the same day as the purchase. |
| Caveat | Requires physical card transaction; Guardian is under the DFI Retail Group. |
YouTube Premium via Amaze: MCC 5968 (exception, user verified, risk: low)¶
User reported that paying for YouTube Premium using Amaze linked to Citi Rewards Mastercard awards 4 mpd (10x points).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5968 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | Citi ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:02:57+00:00 |
| Observed result | 4 mpd awarded |
| Caveat | YouTube Premium MCC is 5968, which is excluded by some cards like UOB Lady's but works via Amaze + Citi Rewards |
YouTube Premium: MCC 5816 (exception, user verified, risk: low)¶
User reported that youTube Premium transactions code under MCC 5816 (Digital Goods - Games) rather than MCC 5968, which prevents them from earning bonus points on cards like the UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | UOB Preferred Platinum Visa |
| MCC | 5816 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:17:13+00:00 |
| Observed result | UOB confirmed the MCC is 5816 and the transaction did not earn mobile contactless/online bonus points |
| Caveat | Often misidentified as MCC 5968 on some crowdsourced databases |
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 |
Hitpay / Atome via Atome via Hitpay: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome via Hitpay for purchases codes as MCC 5999 (instead of the merchant's direct MCC like 5533), which successfully qualifies for the DBS Shop Dine Travel promotion cashback.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hitpay / Atome |
| Card | DBS Cards |
| Route | Atome via Hitpay |
| MCC | 5999 |
| Programme | DBS Shop Dine Travel Promotion |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T10:13:42+00:00 |
| Observed result | User successfully received $100 cashback on a $1,500 spend at a brake dealer using this route. |
| Public/official layer | Direct credit card payments to automotive/brake shops (MCC 5533) may be excluded or fail to trigger the DBS promo, but routing through Atome/Hitpay masks the MCC to 5999. |
| Caveat | Requires the merchant to support Hitpay and Atome payment options |
iShopChangi via Shopback: MCC 4582 (exception, user verified, risk: low)¶
User reported that direct purchases on iShopChangi code as MCC 4582, which is not on the UOB Preferred Platinum Visa (PPV) online whitelist. Paying via Shopback on the iShopChangi website changes the MCC to 5311, which successfully qualifies for the 4 mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback |
| MCC | 4582 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Paying via Shopback codes as MCC 5311 and awards 4 mpd |
| Public/official layer | UOB PPV only awards 4 mpd on whitelisted online MCCs (MCC 4582 is excluded) |
| Caveat | Direct payment codes as MCC 4582; Shopback routing changes it to MCC 5311 |
Fairmont Singapore: MCC 5812 (exception, user verified, risk: low)¶
User reported that for the Amex Raffles City spend promotion, receipts from Clove, Prego, and Asian Market Cafe (ACM) are eligible for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fairmont Singapore |
| Card | American Express Cards |
| MCC | 5812 |
| Programme | Amex Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-22T15:05:27+00:00 |
| Observed result | Hotel staff confirmed that Clove, Prego, and ACM receipts are accepted for the promotion, but Mikuni is not. |
| Public/official layer | Mikuni is excluded from the eligible merchant list for the Raffles City spend promotion. |
| Caveat | Mikuni is specifically excluded from the eligible list of merchants for this redemption. |
Raffles City Singapore: MCC 5812 (exception, user verified, risk: medium)¶
User reported that for the Raffles City $180 spend promotion, dining receipts from Clove, Prego, and Asian Market Cafe are accepted for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Raffles City Singapore |
| Card | AMEX Platinum |
| MCC | 5812 |
| Programme | Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-24T11:32:06+00:00 |
| Observed result | Clove, Prego, and Asian Market Cafe receipts are accepted; Mikuni is excluded |
| Public/official layer | Spend $180 at Raffles City to redeem promotion rewards |
| Caveat | Based on mall staff verbal confirmation; Mikuni is explicitly not on the accepted list. |
Favepay / Shopback: via FavePay (exception, user verified, risk: medium)¶
User reported that favepay or Shopback QR scans performed on-site can count as online transactions for the UOB KrisFlyer Credit Card, earning bonus miles if the merchant's MCC is eligible.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Favepay / Shopback |
| Card | UOB KrisFlyer Credit Card |
| Route | FavePay |
| Programme | KrisFlyer |
| Programme type | airline |
| Points currency | KrisFlyer miles |
| Devaluation risk | low |
| Last verified | 2024-11-04 |
| Last seen | 2024-11-04T14:14:10+00:00 |
| Observed result | Favepay / shopback QR scan on-site can still count as online with naked UOB KFCC, provided MCC falls into bonus category for online shopping |
| Public/official layer | UOB KrisFlyer Credit Card online shopping bonus applies to online transactions. |
| Caveat | The underlying merchant's MCC must fall into the bonus category for online shopping. |
Disneyworld resort food court restaurants: MCC 3780, 7996 (exception, user verified, risk: medium)¶
User reported that payments at Disneyworld resort food court restaurants code as MCC 3780 (Hotel/Travel) when using contactless payment, but code as MCC 7996 (Amusement Parks/Entertainment) when using chip insertion.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Disneyworld resort food court restaurants |
| Card | UOB Lady's Card |
| MCC | 3780, 7996 |
| Devaluation risk | low |
| Last seen | 2024-11-01T01:55:45+00:00 |
| Observed result | Contactless payment resulted in MCC 3780, while chip payment resulted in MCC 7996. |
| Caveat | Observed on UOB Lady's Card; users are advised to test with an empty Amaze wallet first. |
Disneyworld Resorts: MCC 3780, 7996 (exception, user verified, risk: medium)¶
User reported that disneyworld resort food court transactions can code differently based on payment method: contactless payments code as Hotel MCC 3780 (Travel), while chip insertion codes as Amusement Parks MCC 7996 (Entertainment).
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Disneyworld Resorts |
| Card | UOB Lady's Card |
| MCC | 3780, 7996 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T01:55:45+00:00 |
| Observed result | Contactless payment yielded MCC 3780 (Travel) while chip payment yielded MCC 7996 (Entertainment). |
| Caveat | Observed specifically at Disneyworld food courts; users should test with an empty Amaze wallet first to verify the MCC. |
Singtel via MySingtel App: MCC 5968 (exception, user verified, risk: low)¶
User reported that to earn the 8% cash rebate on Singtel bills with the Maybank Family & Friends card, pay manually via the MySingtel app instead of using recurring payments via Amaze (which codes as MCC 5968 and is excluded).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Maybank Family & Friends |
| Route | MySingtel App |
| MCC | 5968 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 8% cashback |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T10:55:46+00:00 |
| Observed result | Amaze recurring codes as MCC 5968 (non-eligible), while manual payment via MySingtel app codes as eligible telco spend. |
| Public/official layer | Data communication and telecommunications category qualifies for 8% cash rebate. |
| Caveat | Recurring payments via Amaze code as MCC 5968 and do not qualify for the data communication category. |
HealthHub via HealthHub online portal: MCC 8062 (exception, user verified, risk: medium)¶
User reported that online medical bill payments via HealthHub earn rewards on DBS WWMC and Citi Rewards, but do not qualify for rewards on UOB Signature or UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | HealthHub |
| Card | Citi Rewards |
| Route | HealthHub online portal |
| MCC | 8062 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:21:56+00:00 |
| Observed result | Citi Rewards and DBS WWMC successfully earn rewards for HealthHub, while UOB Signature and UOB PPV do not. |
| Public/official layer | Citi Rewards excludes hospital MCCs (e.g., 8062). |
| Caveat | Citi Rewards officially excludes hospitals, but online processing via HealthHub is reported to work. |
Suica via Apple Pay/Google Pay: MCC 4112 (exception, user verified, risk: medium)¶
User reported that dBS Woman's World Mastercard (WWMC) transactions for Suica top-ups (MCC 4112) are frequently blocked by default, but the restriction can be temporarily lifted by calling DBS customer service.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | DBS Woman's World Card |
| Route | Apple Pay/Google Pay |
| MCC | 4112 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:17:26+00:00 |
| Observed result | DBS blocks the transaction until the user calls in to temporarily lift the restriction. |
| Public/official layer | Transactions should go through if security parameters are met. |
| Caveat | Requires calling the bank to manually and temporarily lift the security block. |
HealthHub via HealthHub: MCC 8062 (exception, user verified, risk: low)¶
User reported that dBS Woman's World Mastercard and Citi Rewards Card earn rewards for online medical bill payments via HealthHub, whereas UOB Signature and UOB Preferred Platinum Visa do not.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HealthHub |
| Card | DBS Woman's World Mastercard |
| Route | HealthHub |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:21:56+00:00 |
| Observed result | DBS WWMC and Citi Rewards earn points, UOB Signature and PPV do not |
| Caveat | UOB Signature and UOB PPV do not work for this route |
Singapore Airlines via SIA Corporate Portal: MCC 3011 (exception, user verified, risk: low)¶
User reported that booking a Singapore Airlines flight via the SIA corporate portal and paying with the AMEX Platinum card successfully triggers the $200 airline statement credit while still earning HighFlyer points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singapore Airlines |
| Card | AMEX Platinum |
| Route | SIA Corporate Portal |
| MCC | 3011 |
| Programme | HighFlyer |
| Programme type | airline |
| Points currency | HighFlyer points |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T16:12:09+00:00 |
| Observed result | Successfully triggered the $200 airline credit and earned HighFlyer points |
| Caveat | Must be paid with the AMEX Platinum card that has the airline credit benefit |
Singtel via Amaze: MCC 5968 (exception, user verified, risk: medium)¶
User reported that recurring Singtel bill payments made via Amaze code as MCC 5968 (Direct Marketing) instead of telecom, failing to trigger the 8% cashback on the Maybank Family & Friends Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Maybank Family & Friends |
| Route | Amaze |
| MCC | 5968 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 8% |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T15:04:16+00:00 |
| Observed result | Recurring payment via Amaze coded as MCC 5968 and did not qualify for the 8% cashback. |
| Public/official layer | Maybank Family & Friends requires specific telecom MCCs for the 8% cashback category. |
| Caveat | Users should pay manually via the Singtel app instead of setting up recurring payments to ensure correct MCC coding. |
Cedele / Paris Baguette / Polar via Kris+: MCC 5814 (exception, user verified, risk: medium)¶
User reported that kris+ transactions at bakeries like Cedele, Paris Baguette, and Polar often code as MCC 5814 (Fast Food) instead of MCC 5812 (Dining), making them ineligible for HSBC Revolution bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Cedele / Paris Baguette / Polar |
| Card | HSBC Revolution |
| Route | Kris+ |
| MCC | 5814 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T02:46:54+00:00 |
| Observed result | Kris+ transactions at Cedele and other bakeries coded as 5814 and did not receive bonus points. |
| Public/official layer | HSBC Revolution earns bonus points on MCC 5812 but excludes MCC 5814. |
| Caveat | Avoid using HSBC Revolution for Kris+ dining if unsure of the exact MCC, as MCC 5814 is excluded from the HSBC Revolution bonus whitelist. |
Medical clinics: via Amaze (exception, user verified, risk: low)¶
User reported that amaze paired with Citi Rewards Mastercard can earn 4 mpd on medical, dental, or ophthalmology clinic transactions, provided the merchant's MCC is not classified as a hospital.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Medical clinics |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | not hospital |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T23:14:07+00:00 |
| Observed result | 4 mpd awarded on non-hospital medical MCCs |
| Caveat | Hospital MCCs are excluded from earning bonus points |
Japan pharmacies, cosmetics, and railway station shops: via Suica (exception, user verified, risk: low)¶
User reported that topping up Suica or Pasmo with 4-5 mpd cards is a reliable way to pay at Japanese merchants with unpredictable MCCs (such as pharmacies, cosmetic shops, and railway station-owned buildings) to guarantee high miles earning.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Japan pharmacies, cosmetics, and railway station shops |
| Route | Suica |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4-5 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T02:00:30+00:00 |
| Observed result | Bypasses unpredictable credit card MCCs at Japanese merchants |
| Caveat | Suica has a maximum holding limit of 20,000 JPY (~200 SGD) |
GrabMart: MCC 5814 (exception, user verified, risk: low)¶
User reported that grabMart orders (such as ordering from Don Don Donki via GrabMart) code as MCC 5814 (Fast Food Restaurants) instead of the merchant's native MCC (such as MCC 5411 for grocery).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | GrabMart |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T05:00:11+00:00 |
| Observed result | Coded as MCC 5814 instead of MCC 5411 |
| Caveat | Observed for Don Don Donki orders via GrabMart; other merchants on GrabMart may also code under food/delivery MCCs. |
Google Store Singapore: MCC 5045 (exception, user verified, risk: low)¶
User reported that google Store Singapore transactions code as MCC 5045 on Visa. Paying with UOB Preferred Platinum Visa (PPV) only yields base points because MCC 5045 is not on the PPV whitelist.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Google Store Singapore |
| Card | UOB Preferred Platinum Visa |
| MCC | 5045 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T13:26:48+00:00 |
| Observed result | Only received base points, no bonus miles. |
| Public/official layer | UOB PPV only awards 10X UNI$ on whitelisted MCCs. |
| Caveat | Google Store may code as MCC 5732 on Mastercard. |
ShopBack via Amaze: MCC 5311 (exception, user verified, risk: medium)¶
User reported that shopBack voucher purchases can exhibit unpredictable MCCs, where a blocked or declined transaction may show a different MCC (such as 7299) compared to the actual successful transaction (such as 5311 for a Uniqlo voucher).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | ShopBack |
| Route | Amaze |
| MCC | 5311 |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T15:38:57+00:00 |
| Observed result | Declined transaction showed 7299, but successful payment posted as 5311 |
| Caveat | Declined transactions may show MCC 7299, but successful ones can post under merchant-specific MCCs like 5311 |
Bottega Veneta: MCC 5651 (exception, user verified, risk: low)¶
User reported that oCBC Titanium Rewards card earns 10x points (4 mpd) on overseas luxury fashion purchases, but manual disputes may be required if the merchant is not automatically recognized.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Bottega Veneta |
| Card | OCBC Titanium Rewards |
| MCC | 5651 |
| Programme | OCBC$ |
| Programme type | bank_transfer |
| Points currency | OCBC$ |
| Transfer partner | Singapore Airlines KrisFlyer |
| Miles / points | 10x points |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T15:46:31+00:00 |
| Observed result | Points for Bottega Veneta Milan did not post automatically but were successfully credited after raising a dispute with CSO. |
| Public/official layer | Earns 10x OCBC$ on eligible clothes, shoes, and department store spend. |
| Caveat | Keep your physical receipts as proof to raise a dispute with customer service if the 10x points do not post automatically. |