Gold Heart¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5499 | Miscellaneous Food Stores – Convenience Stores and Specialty Markets | Non-official reference (db) |
| 5944 | Watch, Clock, Jewelry, and Silverware Stores | Non-official reference (db) |
| 5999 | Miscellaneous and Specialty Retail Stores | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| HSBC Revolution Credit Card Gold Heart |
4 mpd | S$1,000 | This is a whitelist MCC | |
| UOB Preferred Visa Card Gold Heart |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Gold Heart |
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 Gold Heart |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Gold Heart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card Gold Heart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Gold Heart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard Gold Heart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa Gold Heart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Visa Infinite Credit Card Gold Heart |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB EVOL Credit Card Gold Heart |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| OCBC Frank Credit Card Gold Heart |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Gold Heart |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Gold Heart |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| DBS Live Fresh Card Gold Heart |
6% | S$50 | S$800 |
Street Truth / User-Reported Exceptions¶
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. |
Goldheart: MCC 5499 (exception, user verified, risk: medium)¶
User reported that goldheart transactions may anomalously code as MCC 5499 (Misc Food Store) instead of a jewelry MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Goldheart |
| Card | HSBC Revolution |
| MCC | 5499 |
| Devaluation risk | low |
| Last verified | 2026-03-23T04:14:01+00:00 |
| Last seen | 2026-03-23T04:14:01+00:00 |
| Observed result | Coded as MCC 5499 (Misc Food Store). |
| Public/official layer | Jewelry stores typically code under MCC 5094 or 5944. |
| Caveat | Observed on HSBC Revolution; may result in unexpected points earning. |