OG¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5311 | Department Stores | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Citi Rewards Card OG |
4 mpd | S$1,000 | This is an eligible merchant | |
| Citi Rewards VISA Card OG |
4 mpd | S$1,000 | This is an eligible merchant | |
| DBS Woman's World Credit Card OG |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| HSBC Revolution Credit Card OG |
4 mpd | S$1,000 | This is a whitelist MCC | |
| Maybank XL Rewards Card OG |
4 mpd | S$1,000 | S$500 | |
| OCBC Rewards Card OG |
4 mpd | S$1,110 | This is an eligible merchant | |
| UOB Lady's Card OG |
4 mpd | S$1,000 | Must select Fashion category | |
| UOB Lady's Solitaire Card OG |
4 mpd | S$750 | Must select Fashion category | |
| UOB Preferred Visa Card OG |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card OG |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card OG |
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 OG |
10% | S$100 | S$800 | |
| UOB EVOL Credit Card OG |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| HSBC Live+ Card OG |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
| Maybank Family & Friends Card OG |
8% | S$25 | S$800 | Must select Fashion category |
Street Truth / User-Reported Exceptions¶
Alipay / WeChat Pay via Alipay: MCC 5999 (exception, user verified, risk: low)¶
User reported that alipay and WeChat Pay transactions generally code under the online whitelist for the UOB Preferred Platinum Visa (PPV) to earn 4mpd, but specific mini-programs or apps can pass through their actual MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Alipay / WeChat Pay |
| Card | UOB Preferred Platinum Visa |
| Route | Alipay |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T05:39:44+00:00 |
| Observed result | Direct QR codes as 5999, but specific mini-programs pass through their actual MCCs (e.g., 4722 or 5542). |
| Caveat | Ctrip via Alipay codes as MCC 4722, and CNPC mini-program codes as MCC 5542, whereas direct QR scans code as MCC 5999. |
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. |
FairPrice via FairPrice App: MCC 5411 (exception, user verified, risk: medium)¶
User reported that citi Rewards earns bonus points on FairPrice app payments only if the card details are saved directly in the app, but not via in-app Apple/Google Pay or physical PayWave.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | FairPrice |
| Card | Citi Rewards |
| Route | FairPrice App |
| MCC | 5411 |
| Last verified | 2026-05-07T07:17:30+00:00 |
| Last seen | 2026-05-07T07:17:30+00:00 |
| Observed result | Bonus points are awarded when paying via card details saved directly in the FairPrice app. |
| Public/official layer | Citi Rewards excludes MCC 5411 (Supermarkets) from 10X bonus points. |
| Caveat | Supermarkets are officially excluded from Citi Rewards 10X points; this appears to be a payment gateway loophole. |
Google Play Store: MCC 7372 (exception, user verified, risk: high)¶
User reported that google Play Store transactions (e.g., game top-ups) have started randomly coding as MCC 7372 instead of 5818, resulting in no bonus points on the DBS Woman's World Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Google Play Store |
| Card | DBS Woman's World Mastercard |
| MCC | 7372 |
| Last verified | 2026-04-19T10:17:53+00:00 |
| Last seen | 2026-04-19T10:17:53+00:00 |
| Observed result | Transactions coding as MCC 7372 do not earn bonus points. |
| Public/official layer | Online transactions earn 4mpd unless excluded. |
| Caveat | Coding is inconsistent; some transactions may still code as 5818. |
Google PlayStore / Discord: MCC 7372 (exception, user verified, risk: high)¶
User reported that google PlayStore and Discord subscriptions code as MCC 7372 and no longer earn bonus miles on the OCBC Women's World Mastercard (WWMC).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Google PlayStore / Discord |
| Card | OCBC Women's World Mastercard |
| MCC | 7372 |
| Last verified | 2026-04-19T10:17:53+00:00 |
| Last seen | 2026-04-19T10:17:53+00:00 |
| Observed result | Transactions coded as 7372 and failed to earn bonus miles. |
| Public/official layer | Online transactions should generally earn 4mpd on WWMC. |
| Caveat | Google PlayStore MCC changes to 7372 started around November 2025 and can be random. |
Shell: via Gogo Energy (exception, user verified, risk: low)¶
User reported that gogo Energy Shell payments incur a 1.8% admin fee but earn 4 mpd with the Citi Rewards Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Shell |
| Card | Citi Rewards Mastercard |
| Route | Gogo Energy |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-23T04:08:32+00:00 |
| Last seen | 2026-03-23T04:08:32+00:00 |
| Observed result | Earns 4 mpd when paid via Gogo Energy app. |
| Public/official layer | Citi Rewards excludes petrol transactions (MCC 5541/5542). |
| Caveat | Incurs a 1.8% admin fee. |
Wogi: MCC 5947 (exception, user verified, risk: low)¶
User reported that wogi codes under MCC 5947 (Gift, Novelty, and Souvenir Shops) and successfully qualifies for bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Wogi |
| Card | HSBC Revolution |
| MCC | 5947 |
| Programme | HSBC Reward Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2025-01-31 |
| Last seen | 2025-01-31T17:06:00+00:00 |
| Observed result | User confirmed receiving bonus points on HSBC Revolution for Wogi transactions. |
| Public/official layer | HSBC Revolution whitelists MCC 5947 for bonus points. |
| Caveat | Some platforms previously listed Wogi as MCC 5999. |
Gogo Energy via Amaze: MCC 5541 (exception, user verified, risk: low)¶
User reported that paying for petrol via Gogo Energy corporate card (Shell/Esso) linked to Amaze + Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, though a 1.8% credit card fee is levied.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount with 1.8% fee |
| Caveat | A 1.8% credit card fee is levied by the merchant. |
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) |
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. |
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. |