OTO¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5712 | Furniture, Home Furnishings, and Equipment Stores, Except Appliances | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB Preferred Visa Card OTO |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card OTO |
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 OTO |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Visa Infinite Credit Card OTO |
2.4 mpd | Reward on foreign currency expenditure | ||
| OCBC Bank of Singapore VOYAGE Card OTO |
2.3 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card OTO |
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 OTO |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| OCBC Frank Credit Card OTO |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card OTO |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card OTO |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
Street Truth / User-Reported Exceptions¶
SimplyGo via SimplyGo: MCC 6540 (exception, user verified, risk: high)¶
User reported that simplyGo top-ups on both Mastercard and Visa networks have been reclassified to MCC 6540 (POI Funding/Stored Value Card Purchase/Load), which typically excludes them from earning card rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SimplyGo |
| Route | SimplyGo |
| MCC | 6540 |
| Devaluation risk | high |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T16:29:33+00:00 |
| Observed result | SimplyGo transactions coded as MCC 6540 on both Visa and Mastercard |
| Caveat | Top-ups up to 6 June 2026 were reported as still earning/safe, but subsequent tests on 9 and 10 June 2026 confirmed the change to MCC 6540. |
Helpling: MCC 5734 (exception, user verified, risk: medium)¶
User reported that helpling direct charges (MCC 5734) earn bonus points on Citi Rewards Mastercard (CRM) and DBS Woman's World Mastercard (WWMC), but not on Citi Rewards Visa (CRV) which codes it as offline.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Helpling |
| Card | Citi Rewards Mastercard |
| MCC | 5734 |
| Last verified | 2026-04-17T05:43:38+00:00 |
| Last seen | 2026-04-17T05:43:38+00:00 |
| Observed result | CRV treated it as offline (no 10x), while CRM and WWMC treated it as online (earned bonus). |
| Public/official layer | Online transactions earn bonus points. |
| Caveat | CRV does not earn 10x. |
Pelago: MCC 4722 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa does not earn 4 mpd (10X UNI$) for online transactions under MCC 4722 (such as Pelago or Kris+ in-app payments) because MCC 4722 is not on the card's online whitelist, and in-app payments do not qualify as mobile contactless spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pelago |
| Card | UOB Preferred Platinum Visa |
| MCC | 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T05:39:00+00:00 |
| Observed result | No bonus miles awarded for MCC 4722 online/in-app transactions |
| Public/official layer | UOB PPV earns 10X UNI$ on mobile contactless transactions and selected online whitelisted MCCs only |
| Caveat | In-app payments do not trigger the mobile contactless (offline) bonus |
iShopChangi via Shopback: MCC 4582 (exception, user verified, risk: low)¶
User reported that direct purchases on iShopChangi code as MCC 4582, which is not on the UOB Preferred Platinum Visa (PPV) online whitelist. Paying via Shopback on the iShopChangi website changes the MCC to 5311, which successfully qualifies for the 4 mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback |
| MCC | 4582 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Paying via Shopback codes as MCC 5311 and awards 4 mpd |
| Public/official layer | UOB PPV only awards 4 mpd on whitelisted online MCCs (MCC 4582 is excluded) |
| Caveat | Direct payment codes as MCC 4582; Shopback routing changes it to MCC 5311 |
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. |
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 |