Ya Kun Kaya Toast¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5411 | Grocery Stores, Supermarkets | Non-official reference (db) |
| 5499 | Miscellaneous Food Stores – Convenience Stores and Specialty Markets | Non-official reference (db) |
| 5812 | Eating Places and Restaurants | Non-official reference (db) |
| 5814 | Fast Food Restaurants | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Standard Chartered Smart Card Ya Kun Kaya Toast |
9.28 mpd | S$1500 | This is an eligible merchant | |
| Citi Rewards Card Ya Kun Kaya Toast |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Citi Rewards VISA Card Ya Kun Kaya Toast |
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 Ya Kun Kaya Toast |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| HSBC Revolution Credit Card Ya Kun Kaya Toast |
4 mpd | S$1,000 | This is a whitelist MCC | |
| Maybank XL Rewards Card Ya Kun Kaya Toast |
4 mpd | S$1,000 | S$500 | |
| UOB Lady's Card Ya Kun Kaya Toast |
4 mpd | S$1,000 | Must select Dining category | |
| UOB Lady's Solitaire Card Ya Kun Kaya Toast |
4 mpd | S$750 | Must select Dining category | |
| UOB Preferred Visa Card Ya Kun Kaya Toast |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Ya Kun Kaya Toast |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Ya Kun Kaya Toast |
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 Ya Kun Kaya Toast |
10% | S$25 | S$800 | This is an eligible Dining & Movie merchant |
| UOB EVOL Credit Card Ya Kun Kaya Toast |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| POSB Everyday Card Ya Kun Kaya Toast |
9.7% | Daily$20 | S$800 | This is an eligible Food Delivery merchant |
| HSBC Live+ Card Ya Kun Kaya Toast |
8% | S$250 | S$600 | Minimum S$600 spend per month for all three months in a calendar quarter |
Street Truth / User-Reported Exceptions¶
Ya Kun Kaya Toast via Ya Kun App: MCC 5411, 5734, 5812, 5814 (exception, user verified, risk: medium)¶
User reported that ya Kun Kaya Toast MCC varies significantly: contactless usually codes as 5814 (Fast Food), while in-app payments often code as 5411 (Groceries), 5812 (Eating Places), or even 5734 (Computer Software Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Ya Kun Kaya Toast |
| Route | Ya Kun App |
| MCC | 5814, 5411, 5812, 5734 |
| Last verified | 2026-04-19T05:58:25+00:00 |
| Last seen | 2026-04-19T05:58:25+00:00 |
| Observed result | App payments frequently code as 5411 or 5734 |
| Public/official layer | Should code as dining/fast food (5814/5812) |
| Caveat | Check community tracker for specific outlet and payment method combinations. |
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 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. |
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 |