Sats¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5812 | Eating Places and Restaurants | Non-official reference (visa) |
| 5814 | Fast Food Restaurants | Non-official reference (visa) |
| 8999 | Professional Services (not Elsewhere Defined) | Non-official reference (visa) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Maybank XL Rewards Card Sats |
4 mpd | S$1,000 | S$500 | |
| UOB Lady's Card Sats |
4 mpd | S$1,000 | Must select Dining category | |
| UOB Lady's Solitaire Card Sats |
4 mpd | S$750 | Must select Dining category | |
| UOB Preferred Visa Card Sats |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Sats |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| Standard Chartered Journey Card Sats |
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 Sats |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Sats |
2.4 mpd | Reward on foreign currency expenditure | ||
| KrisFlyer UOB Credit Card Sats |
2.4 mpd | S$800 | With minimum S$800 annual spend on Singapore Airlines, Scoot, and KrisShop | |
| UOB Reserve Credit Card Sats |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Sats |
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 Sats |
10% | S$25 | S$800 | This is an eligible Dining & Movie merchant |
| UOB EVOL Credit Card Sats |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| HSBC Live+ Card Sats |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
| Maybank Family & Friends Card Sats |
8% | S$25 | S$800 | Must select Dining & Food Delivery category |
Street Truth / User-Reported Exceptions¶
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ (base or bonus) for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:38:37+00:00 |
| Observed result | SPC transaction on PPV posted with 0 UNI$. |
| Public/official layer | UOB rewards terms exclude SPC petrol from earning base UNI$ on most cards. |
| Caveat | UOB Lady's Card (with Transport selected) can earn bonus UNI$ at SPC, but PPV and Visa Signature do not. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | No UNI$ posted for SPC transaction on PPV. |
| Public/official layer | UOB SMART$ merchants (like SPC) typically do not earn regular UNI$ on most UOB cards unless specified. |
| Caveat | UOB Lady's Card (with Transport selected) earns bonus UNI$ at SPC, but no base UNI$. |
Ya Kun Suntec City via In-app payment: MCC 5734, 5812 (exception, user verified, risk: low)¶
User reported that ya Kun outlets at Suntec City code differently depending on the location: the Level 2 outlet codes as MCC 5734 via app (Visa), while the Basement 1 outlet codes as MCC 5812 via app (Mastercard).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Suntec City |
| Route | In-app payment |
| MCC | 5734, 5812 |
| Devaluation risk | low |
| Last verified | 2024-12-27 |
| Last seen | 2024-12-27T00:36:54+00:00 |
| Observed result | Suntec Level 2 coded as MCC 5734 via Visa app payment; Suntec Basement 1 coded as MCC 5812 via Mastercard app payment. |
| Caveat | MCC varies by specific outlet location and card network used in-app. |
Starbucks Shinsaibashi Osaka L2 via Amaze: MCC 5999 (exception, user verified, risk: low)¶
User reported that in-person purchases at Starbucks Shinsaibashi Osaka L2 code under MCC 5999 (Miscellaneous and Specialty Retail) instead of the typical dining or fast food MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Starbucks Shinsaibashi Osaka L2 |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T05:38:06+00:00 |
| Observed result | Coded as MCC 5999 |
| Caveat | Using Amaze with Citi Rewards Mastercard on MCC 5999 successfully yields 4 mpd as it is classified as retail. |