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Restaurant

Public Reference MCC Records

MCC Description Source
5812 Eating Places and Restaurants Non-official reference (visa)
5814 Fast Food Restaurants Non-official reference (visa)

Top Miles Cards

Card Reward Cap Min spend Conditions
Citi Rewards Card
Restaurant
4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards VISA Card
Restaurant
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
Restaurant
4 mpd S$1,000 Must complete transaction online to be eligible for this reward
Maybank XL Rewards Card
Restaurant
4 mpd S$1,000 S$500
UOB Lady's Card
Restaurant
4 mpd S$1,000 Must select Dining category
UOB Lady's Solitaire Card
Restaurant
4 mpd S$750 Must select Dining category
UOB Preferred Visa Card
Restaurant
4 mpd S$600 Must complete transaction online to be eligible for this reward
Standard Chartered Journey Card
Restaurant
3 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Standard Chartered Visa Infinite Credit Card
Restaurant
3 mpd S$2,000 Reward on foreign currency expenditure
HSBC TravelOne Card
Restaurant
2.4 mpd Reward on foreign currency expenditure

Top Cashback Cards

Card Reward Cap Min spend Conditions
Trust Cashback Credit Card
Restaurant
15% S$250 S$2,000 Must select Dining category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly
BOC Family Card
Restaurant
10% S$25 S$800 This is an eligible Dining & Movie merchant
UOB EVOL Credit Card
Restaurant
10% S$30 S$800 Must complete transaction online to be eligible for this reward
POSB Everyday Card
Restaurant
9.7% Daily$20 S$800 This is an eligible Food Delivery merchant
HSBC Live+ Card
Restaurant
8% S$250 S$600 Minimum S$600 spend per month for all three months in a calendar quarter

Street Truth / User-Reported Exceptions

Basilico (Conrad Singapore Orchard): MCC 3598 (exception, user verified, risk: low)

User reported that basilico restaurant at Conrad Singapore Orchard codes under MCC 3598 (Conrad Hotels) rather than a dining MCC.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Basilico (Conrad Singapore Orchard)
MCC 3598
Devaluation risk low
Last seen 2026-06-06T13:40:57+00:00
Observed result Codes as MCC 3598
Caveat Transactions will code as hotel lodging, which may not trigger dining-specific card bonuses.

Basilico (Conrad Singapore Orchard): MCC 3598 (exception, user verified, risk: low)

User reported that basilico restaurant (located at Conrad Singapore Orchard) codes under MCC 3598 (Conrad's hotel MCC) instead of a standard dining MCC.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Basilico (Conrad Singapore Orchard)
MCC 3598
Devaluation risk low
Last verified 2026-06-06
Last seen 2026-06-06T13:40:57+00:00
Observed result Codes as MCC 3598
Caveat Codes under the hotel's MCC rather than standard restaurant MCC 5812

Shisen Hanten: MCC 5812 (exception, user verified, risk: low)

User reported that shisen Hanten codes as MCC 5812 (Restaurants), not 5814 (Fast Food), making it eligible for HSBC Revolution bonus.

Field Value
Status active
Confidence high
Merchant Shisen Hanten
Card HSBC Revolution
MCC 5812
Last verified 2026-05-08T13:49:04+00:00
Last seen 2026-05-08T13:49:04+00:00
Observed result Codes as 5812 and earns bonus on HSBC Revolution
Public/official layer Heymax lists MCC as 5814
Caveat Heymax incorrectly lists it as 5814.

Beyond the Dough: MCC 5814 (exception, user verified, risk: low)

User reported that beyond the Dough (pizza restaurant) codes under MCC 5814 (Fast Food Restaurants), which is excluded from earning bonus points on the HSBC Revolution card.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Beyond the Dough
Card HSBC Revolution
MCC 5814
Programme type bank_transfer
Points currency points
Devaluation risk low
Last verified 2026-06-06
Last seen 2026-06-06T10:32:42+00:00
Observed result Coded as MCC 5814, no bonus points awarded
Public/official layer HSBC Revolution excludes MCC 5814 from earning 4 mpd
Caveat Does not earn bonus points on HSBC Revolution due to MCC 5814 exclusion

Mister Mobile (Parkway Parade): MCC 5814 (exception, user verified, risk: medium)

User reported that the Mister Mobile outlet at Parkway Parade codes under MCC 5814 (Fast Food Restaurants) instead of a standard telecom or retail MCC.

Field Value
Status active
Confidence medium
Source layer user_reported
Merchant Mister Mobile (Parkway Parade)
MCC 5814
Devaluation risk low
Last verified 2026-06-04
Last seen 2026-06-04T04:05:33+00:00
Observed result Codes as MCC 5814
Caveat This coding is highly unusual for a mobile phone shop and may be specific to the Parkway Parade outlet.

Tourist attractions / farms: MCC 5812, 5814 (exception, user verified, risk: low)

User reported that some tourist attractions and farms code under dining MCCs such as 5812 (Restaurants) or 5814 (Fast Food).

Field Value
Status active
Confidence medium
Source layer user_reported
Merchant Tourist attractions / farms
MCC 5812, 5814
Devaluation risk low
Last verified 2026-06-02
Last seen 2026-06-02T02:42:17+00:00
Observed result A farm visited by a user coded as MCC 5814
Caveat Coding is highly merchant-dependent and unpredictable

Kebab shop: MCC 5462 (exception, user verified, risk: medium)

User reported that some kebab shops may code unexpectedly as Bakery (MCC 5462) rather than Dining/Restaurant, requiring a general spend card like UOB PRVI Miles to avoid missing out on specialized dining multipliers.

Field Value
Status context-dependent
Confidence medium
Source layer user_reported
Merchant Kebab shop
Card UOB PRVI Miles Mastercard
MCC 5462
Programme UOB UNI$
Programme type bank_transfer
Points currency UNI$
Devaluation risk low
Last verified 2026-06-01
Last seen 2026-06-01T06:08:45+00:00
Observed result Kebab shop coded as bakery, prompting the user to use UOB PRVI Miles Mastercard instead of a dining card
Caveat Merchant category codes are determined by the acquiring bank and can vary by outlet

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

Sushiro via ShopBack: MCC 5814 (exception, user verified, risk: medium)

User reported that paying at Sushiro (Our Tampines Hub) via ShopBack Pay codes as MCC 5814 (Fast Food Restaurants) instead of 5812.

Field Value
Status active
Confidence high
Merchant Sushiro
Route ShopBack
MCC 5814
Last verified 2026-05-16T04:37:00+00:00
Last seen 2026-05-16T13:26:13+00:00
Observed result Coded as 5814 when routed through ShopBack Pay
Public/official layer Sushiro typically codes as 5812 (Restaurants)
Caveat Sushiro at Tampines One codes as 5812 directly. | Stacking: ShopBack -> Sushiro

Colony (Ritz-Carlton): MCC 3710, 5812, 7011 (exception, user verified, risk: medium)

User reported that colony restaurant at Ritz-Carlton can code as a Hotel (MCC 3710 or 7011) instead of Dining (MCC 5812) depending on the terminal used.

Field Value
Status active
Confidence high
Merchant Colony (Ritz-Carlton)
MCC 3710, 7011, 5812
Last verified 2026-05-12T10:28:43+00:00
Last seen 2026-05-12T10:28:43+00:00
Observed result Codes as hotel MCC 3710 or 7011, potentially voiding dining bonuses.
Public/official layer Restaurants should code under dining MCCs like 5812.
Caveat Use Chope or specific terminals to ensure MCC 5812; otherwise risk hotel MCC.

Colony: MCC 3710 (exception, user verified, risk: low)

User reported that dining at Colony restaurant codes as Ritz Carlton (MCC 3710) instead of a dining MCC.

Field Value
Status active
Confidence high
Merchant Colony
MCC 3710
Last verified 2026-05-12T10:22:40+00:00
Last seen 2026-05-12T10:22:40+00:00
Observed result Codes as hotel MCC 3710 (Ritz Carlton).
Public/official layer Restaurants typically code under dining MCCs like 5812.
Caveat Transaction description may only show Ritz Carlton without mentioning Colony.

Colony: MCC 3710 (exception, user verified, risk: medium)

User reported that colony restaurant at Ritz Carlton codes as Ritz Carlton (MCC 3710 - Hotels) instead of dining

Field Value
Status active
Confidence high
Merchant Colony
MCC 3710
Last verified 2026-05-12T10:22:40+00:00
Last seen 2026-05-12T10:22:40+00:00
Observed result Codes as hotel (MCC 3710), which may affect dining bonus categories
Public/official layer Restaurants typically code as dining (e.g., MCC 5812)
Caveat Transaction description shows as Ritz Carlton, not Colony

Switzerland F&B at attractions (exception, risk: medium)

User reported that restaurant MCCs in Switzerland are generally accurate, but F&B establishments at attractions or berggasthauses may code as accommodation.

Field Value
Status active
Confidence medium
Merchant Switzerland F&B at attractions
MCC Accommodation
Last verified 2026-05-12T10:04:32+00:00
Last seen 2026-05-12T10:04:32+00:00
Observed result F&B at Swiss attractions/berggasthauses sometimes code as accommodation.
Public/official layer F&B should code under dining MCCs.
Caveat Use Amaze to check MCC beforehand for peace of mind.

Restaurants via Alipay: MCC 5399, 5999 (exception, user verified, risk: medium)

User reported that alipay often masks restaurant transactions to MCC 5399 or 5999 instead of dining MCCs.

Field Value
Status active
Confidence high
Merchant Restaurants
Route Alipay
MCC 5399, 5999
Last verified 2026-05-07T10:23:23+00:00
Last seen 2026-05-07T10:23:23+00:00
Observed result Transactions coded as 5399 or 5999.
Public/official layer Restaurants typically code as 5812 or 5814.
Caveat May result in lost dining bonus miles/cashback.

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.

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.

Japanese restaurants with automated payment machines: MCC 5411, 5812 (exception, user verified, risk: medium)

User reported that in Japan, restaurants switching from human cashiers to automated payment machines may change their MCC from 5812 (Dining) to 5411 (Supermarkets/Groceries).

Field Value
Status active
Confidence medium
Source layer user_reported
Merchant Japanese restaurants with automated payment machines
MCC 5812, 5411
Award route / region Japan
Devaluation risk low
Last verified 2026-03-30T09:55:05+00:00
Last seen 2026-03-30T09:55:05+00:00
Observed result Automated payment machine coded as 5411 (Supermarkets/Groceries).
Public/official layer Restaurants should code as 5812 (Dining).
Caveat Always test the MCC when a merchant changes their payment system.

Happy Lamb Hot Pot: MCC 5814 (exception, user verified, risk: medium)

User reported that hSBC excludes MCC 5814 (Fast Food) from bonus points. Restaurants like Happy Lamb Hot Pot may unexpectedly code as 5814 instead of 5812, resulting in only 0.4 mpd.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Happy Lamb Hot Pot
Card HSBC Revolution
MCC 5814
Programme HSBC Rewards
Programme type bank_transfer
Points currency miles
Miles / points 0.4 mpd
Devaluation risk low
Last verified 2026-03-26T07:28:55+00:00
Last seen 2026-03-26T07:28:55+00:00
Observed result Happy Lamb Hot Pot coded as 5814, earning only 0.4 mpd.
Public/official layer HSBC excludes MCC 5814 from 4mpd bonus categories.
Caveat Always verify MCC as some restaurants code as fast food.

Ming Ang (exception, user verified, risk: medium)

User reported that maybank Family & Friends prioritizes the Dining category over the MYR spend category for Malaysian restaurant spend, which can consume the Dining sublimit instead of the MYR sublimit.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Ming Ang
Card Maybank Family & Friends
MCC Dining
Programme type other
Devaluation risk low
Last verified 2026-03-22T10:08:01+00:00
Last seen 2026-03-22T12:30:30+00:00
Observed result SGD30 equivalent spent at a restaurant in MYR was posted to the Dining category, causing the $375 Dining sublimit to burst while the MYR sublimit remained unused.
Caveat Only applies if the transaction MCC falls under Dining.

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.

Sevenrooms (exception, user verified, risk: low)

User reported that restaurant reservation payments made on Sevenrooms are coded as Travel, making them eligible for online travel bonus rates on cards like the DBS Woman's World Card.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Sevenrooms
Card DBS Woman's World Card
MCC Travel
Programme type bank_transfer
Points currency miles
Miles / points 4 mpd
Devaluation risk low
Last verified 2024-12-13
Last seen 2024-12-13T12:48:25+00:00
Observed result Tagged as Travel and successfully earned bonus points on DBS WWMC

Merchant: via Kris+ (exception, user verified, risk: low)

User reported that kris+ payments retain the underlying merchant's MCC (e.g., dining MCC for restaurants) while being processed as an online transaction, which can trigger online bonuses for cards like DBS Woman's World Card.

Field Value
Status active
Confidence high
Source layer user_reported
Card DBS Woman's World Card
Route Kris+
Programme KrisFlyer
Programme type bank_transfer
Points currency miles
Devaluation risk low
Last verified 2024-11-27
Last seen 2024-11-27T06:42:08+00:00
Observed result Retains underlying MCC but codes as online transaction
Caveat Useful for stacking dining-specific cards that require the correct MCC alongside online-specific cards

Pocket Concierge via Pocket Concierge: MCC 5812 (exception, user verified, risk: low)

User reported that booking Japan restaurants via Pocket Concierge charges the Amex Platinum Charge card immediately at the time of booking, allowing users to trigger the current year's $200 overseas dining credit for a future year's reservation.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Pocket Concierge
Card Amex Platinum Charge
Route Pocket Concierge
MCC 5812
Programme Amex Global Dining Credit
Programme type other
Points currency cashback
Award route / region Japan
Miles / points $200 rebate
Sweet spot yes
Devaluation risk low
Last verified 2024-11-26
Last seen 2024-11-26T15:23:43+00:00
Observed result Pre-paying via Pocket Concierge triggers the $200 rebate in the month of booking, even if the dining date is in the next year.
Public/official layer Amex overseas dining credit requires payment at participating overseas restaurants.
Caveat Any additional orders made during the actual dining session will be charged to the same card later.

PRAIRIE - CLUNY COURT: MCC 5814 (exception, user verified, risk: low)

User reported that pRAIRIE at Cluny Court Singapore is officially coded under MCC 5814 (Fast Food Restaurants), despite some aggregators showing it as MCC 5812.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant PRAIRIE - CLUNY COURT
Card DBS Cards
MCC 5814
Devaluation risk low
Last verified 2024-11-25
Last seen 2024-11-25T04:18:49+00:00
Observed result DBS transaction data shows Merchant Category as Fast Food Restaurants (MCC 5814)
Caveat HeyMax may display it incorrectly as MCC 5812 (Eating Places)

Disneyworld resort food court restaurants: MCC 3780, 7996 (exception, user verified, risk: medium)

User reported that payments at Disneyworld resort food court restaurants code as MCC 3780 (Hotel/Travel) when using contactless payment, but code as MCC 7996 (Amusement Parks/Entertainment) when using chip insertion.

Field Value
Status context-dependent
Confidence medium
Source layer user_reported
Merchant Disneyworld resort food court restaurants
Card UOB Lady's Card
MCC 3780, 7996
Devaluation risk low
Last seen 2024-11-01T01:55:45+00:00
Observed result Contactless payment resulted in MCC 3780, while chip payment resulted in MCC 7996.
Caveat Observed on UOB Lady's Card; users are advised to test with an empty Amaze wallet first.

Disneyworld Resort Food Court: MCC 3780, 7996 (exception, user verified, risk: medium)

User reported that payments at Disneyworld resort food court restaurants can code under different MCCs depending on the payment method used.

Field Value
Status context-dependent
Confidence medium
Source layer user_reported
Merchant Disneyworld Resort Food Court
Card UOB Lady's Card
MCC 3780, 7996
Programme UOB UNI$
Programme type bank_transfer
Points currency points
Devaluation risk low
Last verified 2024-11-01
Last seen 2024-11-01T01:55:45+00:00
Observed result Contactless payment resulted in MCC 3780 (Travel), while chip payment resulted in MCC 7996 (Entertainment).
Caveat Using contactless payment codes as Hotel MCC 3780 (Travel), while inserting the physical chip codes as Amusement Parks MCC 7996 (Entertainment).

Ya Kun Kaya Toast via contactless or app: MCC 5734, 5812, 5814 (exception, user verified, risk: medium)

User reported that ya Kun Kaya Toast outlets have highly inconsistent MCCs, ranging from MCC 5814 (Fast Food) and MCC 5812 (Restaurants) for contactless payments, to MCC 5734 (Computer Software) or MCC 5812 when paying via the Ya Kun app.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Ya Kun Kaya Toast
Route contactless or app
MCC 5814, 5812, 5734
Devaluation risk low
Last verified 2024-10-29
Last seen 2024-10-29T04:50:37+00:00
Observed result Outlets like IMM and Woodleigh code as 5814, while app payments at Heartland Mall Kovan and Punggol Oasis code as 5734
Caveat MCC varies wildly by outlet and payment method (contactless vs app)

GrabMart: MCC 5814 (exception, user verified, risk: low)

User reported that grabMart orders (such as ordering from Don Don Donki via GrabMart) code as MCC 5814 (Fast Food Restaurants) instead of the merchant's native MCC (such as MCC 5411 for grocery).

Field Value
Status active
Confidence medium
Source layer user_reported
Merchant GrabMart
MCC 5814
Devaluation risk low
Last verified 2024-10-28
Last seen 2024-10-28T05:00:11+00:00
Observed result Coded as MCC 5814 instead of MCC 5411
Caveat Observed for Don Don Donki orders via GrabMart; other merchants on GrabMart may also code under food/delivery MCCs.