Smart¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 0763 | Agricultural Services - Agricultural Co-operatives | Non-official reference (visa) |
| 4816 | Computer Network Services | Non-official reference (visa) |
| 5045 | Computers, Computer Peripheral Equipment, Not Elsewhere Classified | Non-official reference (visa) |
| 5047 | Medical, Dental Ophthalmic, Hospital Equipment and Supplies | Non-official reference (visa) |
| 5065 | Electrical Parts and Equipment | Non-official reference (visa) |
| 5331 | Variety Stores | Non-official reference (visa) |
| 5661 | Shoe Stores | Non-official reference (visa) |
| 5699 | Miscellaneous Apparel and Accessory Shops | Non-official reference (visa) |
| 5734 | Computer Software Stores | Non-official reference (visa) |
| 5817 | Digital Goods — Software Applications (excluding games) | Non-official reference (visa) |
| 5942 | Book Stores | Non-official reference (visa) |
| 5969 | Direct Marketing – Not Elsewhere Classified | Non-official reference (visa) |
| 5970 | Artist’s Supply and Craft Shops | Non-official reference (visa) |
| 5992 | Florists | Non-official reference (visa) |
| 5999 | Miscellaneous and Specialty Retail Stores | Non-official reference (visa) |
| 7311 | Advertising Services | Non-official reference (visa) |
| 7392 | Management, Consulting, and Public Relations Services | Non-official reference (visa) |
| 7692 | Welding Services | Non-official reference (visa) |
| 8999 | Professional Services (not Elsewhere Defined) | Non-official reference (visa) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB Preferred Visa Card Smart |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Smart |
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 Smart |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Visa Infinite Credit Card Smart |
2.4 mpd | Reward on foreign currency expenditure | ||
| OCBC Bank of Singapore VOYAGE Card Smart |
2.3 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB EVOL Credit Card Smart |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| OCBC Frank Credit Card Smart |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Smart |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Smart |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| DCS CASHBACK Card Smart |
5% | S$50 | S$400 |
Street Truth / User-Reported Exceptions¶
SPC via Mobile Contactless: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) earns 4 mpd (10X UNI$) at SPC petrol stations when paying via mobile contactless payment, bypassing the standard UOB SMART$ merchant UNI$ exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| Route | Mobile Contactless |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T12:34:07+00:00 |
| Observed result | Paying via mobile contactless successfully awards 10X UNI$ (4 mpd). |
| Public/official layer | UOB T&Cs state that SMART$ merchants (like SPC) do not earn regular UNI$. |
| Caveat | Must use mobile contactless (Apple Pay/Google Pay) to bypass the SMART$ terminal system |
Esso: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4 mpd (10X UNI$) at Esso petrol stations due to Esso being a SMART$ merchant, whereas Caltex successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Esso |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T05:33:05+00:00 |
| Observed result | Contactless payment at Esso earned only base 2 mpd (or SMART$) instead of 4 mpd, while Caltex earned 4 mpd. |
| Public/official layer | UOB SMART$ merchants are excluded from earning regular UNI$ / bonus UNI$. |
| Caveat | Esso is a UOB SMART$ merchant, which excludes it from earning 10X UNI$ on UOB cards. |