Tess¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5995 | Pet Shops, Pet Foods, and Supplies Stores | Non-official reference (visa) |
| 5999 | Miscellaneous and Specialty Retail Stores | Non-official reference (visa) |
| 8999 | Professional Services (not Elsewhere Defined) | Non-official reference (visa) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| OCBC Bank of Singapore VOYAGE Card Tess |
2.3 mpd | Reward on foreign currency expenditure | ||
| OCBC PREMIER Private Client VOYAGE Card Tess |
2.3 mpd | Reward on foreign currency expenditure | ||
| OCBC PREMIER VOYAGE Card Tess |
2.3 mpd | Reward on foreign currency expenditure | ||
| OCBC Premier Visa Infinite Credit Card Tess |
2.24 mpd | Reward on foreign currency expenditure | ||
| DBS Vantage Card Tess |
2.2 mpd | Reward on foreign currency expenditure | ||
| DBS Altitude American Express Card Tess |
2.2 mpd | Reward on foreign currency expenditure | ||
| DBS Altitude Visa Signature Card Tess |
2.2 mpd | Reward on foreign currency expenditure | ||
| OCBC VOYAGE Card Tess |
2.2 mpd | Reward on foreign currency expenditure | ||
| OCBC 90°N Mastercard Card Tess |
2.1 mpd | Reward on foreign currency expenditure | ||
| OCBC 90°N Visa Card Tess |
2.1 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| OCBC Frank Credit Card Tess |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Tess |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Tess |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| DCS CASHBACK Card Tess |
5% | S$50 | S$400 | |
| Maybank Platinum Visa Card Tess |
3.33% | S$30 | S$300 | You must hit the minimum spending for 3 consecutive months |
Street Truth / User-Reported Exceptions¶
Esso: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4 mpd (10X UNI$) 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. |