FLO¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5999 | Miscellaneous and Specialty Retail Stores | Non-official reference (chope) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| HSBC Revolution Credit Card FLO |
4 mpd | S$1,000 | This is a whitelist MCC | |
| UOB Preferred Visa Card FLO |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card FLO |
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 FLO |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card FLO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card FLO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card FLO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard FLO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa FLO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Visa Infinite Credit Card FLO |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card FLO |
15% | S$250 | S$2,000 | Must select Shopping category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| UOB EVOL Credit Card FLO |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| OCBC Frank Credit Card FLO |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card FLO |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card FLO |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
Street Truth / User-Reported Exceptions¶
Shophouse cafes (hotel-affiliated) (exception, user verified, risk: medium)¶
User reported that cafes located on the ground floor of shophouse hotels may code under a Travel MCC instead of a Dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shophouse cafes (hotel-affiliated) |
| MCC | Travel |
| Last verified | 2026-05-06T09:51:22+00:00 |
| Last seen | 2026-05-06T09:51:22+00:00 |
| Observed result | Coded as Travel MCC due to the hotel on the upper floors. |
| Public/official layer | Standalone cafes typically code as Dining. |
| Caveat | Always check if the cafe shares the MCC of the hotel above it. |