LAC¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5814 | Fast Food Restaurants | Non-official reference (db) |
| 5912 | Drug Stores and Pharmacies | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Citi Rewards Card LAC |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Citi Rewards VISA Card LAC |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| DBS Woman's World Credit Card LAC |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| HSBC Revolution Credit Card LAC |
4 mpd | S$1,000 | This is a whitelist MCC | |
| UOB Lady's Card LAC |
4 mpd | S$1,000 | Must select Beauty & Wellness category | |
| UOB Lady's Solitaire Card LAC |
4 mpd | S$750 | Must select Beauty & Wellness category | |
| UOB Preferred Visa Card LAC |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card LAC |
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 LAC |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card LAC |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card LAC |
15% | S$250 | S$2,000 | Must select Wellness category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| CIMB Visa Signature LAC |
10% | S$100 | S$800 | |
| UOB EVOL Credit Card LAC |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| Maybank Family & Friends Card LAC |
8% | S$25 | S$800 | Must select Pharmacy category |
| OCBC Frank Credit Card LAC |
8% | S$25 | S$800 |
Street Truth / User-Reported Exceptions¶
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 |
Food places and mama shops in China: MCC 5399, 5812 (exception, user verified, risk: medium)¶
User reported that in China, many food places code as MCC 5399 (Miscellaneous General Merchandise) instead of dining, while convenience/mama shops may code as MCC 5812 (Eating Places/Restaurants).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Food places and mama shops in China |
| MCC | 5399, 5812 |
| Last verified | 2026-04-28T06:00:21+00:00 |
| Last seen | 2026-04-28T06:00:21+00:00 |
| Observed result | Food places coded as 5399, mama shops coded as 5812. |
| Public/official layer | Food places should code under dining MCCs like 5812 or 5814. |
| Caveat | MCCs in China can be highly unpredictable. |
Ya Kun Kaya Toast via Ya Kun App: MCC 5411, 5734, 5812, 5814 (exception, user verified, risk: medium)¶
User reported that ya Kun Kaya Toast MCC varies significantly: contactless usually codes as 5814 (Fast Food), while in-app payments often code as 5411 (Groceries), 5812 (Eating Places), or even 5734 (Computer Software Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Ya Kun Kaya Toast |
| Route | Ya Kun App |
| MCC | 5814, 5411, 5812, 5734 |
| Last verified | 2026-04-19T05:58:25+00:00 |
| Last seen | 2026-04-19T05:58:25+00:00 |
| Observed result | App payments frequently code as 5411 or 5734 |
| Public/official layer | Should code as dining/fast food (5814/5812) |
| Caveat | Check community tracker for specific outlet and payment method combinations. |
Airpay terminals (Japan) via Airpay: MCC 7299 (exception, user verified, risk: medium)¶
User reported that airpay payment terminals in Japan (small black machines) often code as MCC 7299, including at restaurants like Narikura.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Airpay terminals (Japan) |
| Route | Airpay |
| MCC | 7299 |
| Devaluation risk | unknown |
| Last verified | 2026-04-01T06:17:32+00:00 |
| Last seen | 2026-04-01T06:17:32+00:00 |
| Observed result | Transactions via Airpay terminals coded as MCC 7299 (Miscellaneous General Services). |
| Public/official layer | Restaurants should typically code as dining MCCs like 5812 or 5814. |
| Caveat | May affect category-specific bonus earn rates if the card excludes MCC 7299. |
Ya Kun Kaya Toast: MCC 5734, 5812, 5814, 5999 (exception, user verified, risk: low)¶
User reported that ya Kun Kaya Toast merchant category codes (MCC) are highly variable; contactless payments typically code as MCC 5814 (Fast Food), while payments via the Ya Kun app can code as MCC 5812 (Eating Places), 5734 (Computer Software Stores), or 5999 (Miscellaneous).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Kaya Toast |
| MCC | 5814, 5812, 5734, 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T11:22:08+00:00 |
| Observed result | Contactless payments coded as 5814, while app payments coded as 5812, 5734, or 5999 depending on the outlet |
| Caveat | MCC depends heavily on the specific outlet and whether the transaction is contactless or via the mobile app |
Ya Kun Kaya Toast via Apple Pay/Google Pay/Amaze/In-App: MCC 5734, 5812, 5814, 5999 (exception, user verified, risk: medium)¶
User reported that ya Kun Kaya Toast transactions vary significantly in MCC depending on the outlet and payment method. App payments often code as MCC 5734 (Computer Software Stores), 5812 (Eating Places), or 5999, while physical contactless payments at outlets typically code as MCC 5814 (Fast Food Restaurants) or 5812.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Kaya Toast |
| Route | Apple Pay/Google Pay/Amaze/In-App |
| MCC | 5814, 5734, 5812, 5999 |
| Devaluation risk | low |
| Last verified | 2024-12-27 |
| Last seen | 2024-12-27T00:36:54+00:00 |
| Observed result | App payments code as 5734, 5812, or 5999 depending on the outlet, while physical contactless is usually 5814 or 5812. |
| Caveat | App payments coding as 5734 will not trigger dining bonuses on cards like UOB Lady's Card. |
Amazon Marketplace SG via Amaze: MCC 5311 (exception, user verified, risk: low)¶
User reported that amazon Marketplace SG transactions code as MCC 5311 (Department Stores) when paid directly, but change to MCC 5999 (Miscellaneous and Specialty Retail Shops) with the description 'AMAZON Retail SG' when routed through Amaze.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Amazon Marketplace SG |
| Card | Amaze |
| Route | Amaze |
| MCC | 5311 |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T08:22:59+00:00 |
| Observed result | Direct payment coded as MCC 5311, Amaze payment coded as MCC 5999 |
| Caveat | Observed on toys delivered from the US |
Amazon SG: MCC 5311, 5999 (exception, user verified, risk: low)¶
User reported that amazon Marketplace SG transactions code as MCC 5311 (Department Stores), whereas AMAZON Retail SG transactions code as MCC 5999 (Miscellaneous and Specialty Retail Shops).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Amazon SG |
| MCC | 5311, 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T09:35:18+00:00 |
| Observed result | Amazon Marketplace SG coded as 5311, AMAZON Retail SG coded as 5999, but testing showed some inconsistency. |
| Caveat | The coding can be unpredictable; a test transaction for an item showed MCC 5999 but the actual purchase posted as MCC 5311. |
Small shops in Osaka & Kyoto: MCC 7299 (exception, user verified, risk: low)¶
User reported that many smaller shops in Osaka and Kyoto using small black contactless readers linked to an iPad app code under MCC 7299.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Small shops in Osaka & Kyoto |
| MCC | 7299 |
| Award route / region | Japan |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T06:51:54+00:00 |
| Observed result | Transactions coded as MCC 7299 |
| Caveat | Applies to merchants using iPad-linked contactless readers |