UNA¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5812 | Eating Places and Restaurants | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| American Express Platinum Card UNA |
7.8125 mpd | S$16,000 | 25 Membership Rewards points will be awarded for every eligible spending made in blocks of full S$4 | |
| HSBC Revolution Credit Card UNA |
4 mpd | S$1,000 | This is a whitelist MCC | |
| Maybank XL Rewards Card UNA |
4 mpd | S$1,000 | S$500 | |
| UOB Lady's Card UNA |
4 mpd | S$1,000 | Must select Dining category | |
| UOB Lady's Solitaire Card UNA |
4 mpd | S$750 | Must select Dining category | |
| UOB Preferred Visa Card UNA |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card UNA |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| American Express Platinum Credit Card UNA |
3.47222 mpd | |||
| American Express Platinum Reserve Credit Card UNA |
3.47222 mpd | |||
| Standard Chartered Journey Card UNA |
3 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card UNA |
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 UNA |
10% | S$25 | S$800 | This is an eligible Dining & Movie merchant |
| UOB EVOL Credit Card UNA |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| HSBC Live+ Card UNA |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
| Maybank Family & Friends Card UNA |
8% | S$25 | S$800 | Must select Dining & Food Delivery category |
Street Truth / User-Reported Exceptions¶
Ya Kun Kaya Toast: MCC 5734, 5812, 5814, 5999 (exception, user verified, risk: low)¶
User reported that ya Kun Kaya Toast merchant category codes (MCC) are highly variable; contactless payments typically code as MCC 5814 (Fast Food), while payments via the Ya Kun app can code as MCC 5812 (Eating Places), 5734 (Computer Software Stores), or 5999 (Miscellaneous).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Kaya Toast |
| MCC | 5814, 5812, 5734, 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T11:22:08+00:00 |
| Observed result | Contactless payments coded as 5814, while app payments coded as 5812, 5734, or 5999 depending on the outlet |
| Caveat | MCC depends heavily on the specific outlet and whether the transaction is contactless or via the mobile app |
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) |
Ya Kun Kaya Toast via contactless or in-app: MCC 5734, 5812, 5814 (exception, user verified, risk: low)¶
User reported that ya Kun Kaya Toast transactions code unpredictably across different MCCs (5814, 5812, or 5734) depending on the specific outlet and whether the transaction is made via contactless payment or the Ya Kun app.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Kaya Toast |
| Route | contactless or in-app |
| MCC | 5814, 5812, 5734 |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T04:50:37+00:00 |
| Observed result | Ya Kun App codes as 5734 or 5812; physical outlets code as 5814 or 5812 depending on location |
| Caveat | App orders often code as 5734 or 5812, while physical contactless is usually 5814 but sometimes 5812 |