Im In¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5631 | Women’s Accessory and Specialty Shops | Non-official reference (visa) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Citi Rewards Card Im In |
4 mpd | S$1,000 | This is an eligible merchant | |
| Citi Rewards VISA Card Im In |
4 mpd | S$1,000 | This is an eligible merchant | |
| DBS Woman's World Credit Card Im In |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| HSBC Revolution Credit Card Im In |
4 mpd | S$1,000 | This is a whitelist MCC | |
| Maybank XL Rewards Card Im In |
4 mpd | S$1,000 | S$500 | |
| OCBC Rewards Card Im In |
4 mpd | S$1,110 | This is an eligible merchant | |
| UOB Lady's Card Im In |
4 mpd | S$1,000 | Must select Fashion category | |
| UOB Lady's Solitaire Card Im In |
4 mpd | S$750 | Must select Fashion category | |
| UOB Preferred Visa Card Im In |
4 mpd | S$600 | Must complete transaction online to be eligible for this reward | |
| Standard Chartered Visa Infinite Credit Card Im In |
3 mpd | S$2,000 | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Im In |
15% | S$250 | S$2,000 | Must select Shopping category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| CIMB Visa Signature Im In |
10% | S$100 | S$800 | |
| UOB EVOL Credit Card Im In |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| HSBC Live+ Card Im In |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
| Maybank Family & Friends Card Im In |
8% | S$25 | S$800 | Must select Fashion category |
Street Truth / User-Reported Exceptions¶
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. |
Agoda: MCC 4722 (exception, user verified, risk: medium)¶
User reported that a user reported not receiving 4 mpd for Agoda (MCC 4722) under the UOB Lady's Card Travel category, with a CSO claiming it falls under Transportation, though T&Cs do not list 4722 under Transportation.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | Agoda |
| Card | UOB Lady's Card |
| MCC | 4722 |
| Last verified | 2026-04-16T01:57:06+00:00 |
| Last seen | 2026-04-16T02:05:27+00:00 |
| Observed result | User did not receive 4 mpd for Agoda under the Travel category. |
| Public/official layer | MCC 4722 is typically considered Travel and is not listed under Transportation in the T&Cs. |
| Caveat | It is unclear if UOB silently changed the category mapping or if the CSO provided incorrect information. |