Yin¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5812 | Eating Places and Restaurants | Non-official reference (db) |
Top Miles Cards¶
No reward rows found.
Top Cashback Cards¶
No reward rows found.
Street Truth / User-Reported Exceptions¶
Inland Revenue Authority of Singapore (IRAS): MCC 9311 (exception, user verified, risk: high)¶
User reported that using the Standard Chartered Visa Infinite tax payment facility to meet the sign-up bonus minimum spend has highly inconsistent results, with some users successfully receiving points while others had to appeal for months.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Inland Revenue Authority of Singapore (IRAS) |
| Card | Standard Chartered Visa Infinite |
| MCC | 9311 |
| Programme | Standard Chartered 360° Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T12:48:16+00:00 |
| Observed result | Some users successfully counted the tax payment facility towards the sign-up bonus minimum spend, while others did not and had to appeal. |
| Public/official layer | Tax payments (MCC 9311) are excluded from eligible retail transactions. |
| Caveat | Official T&Cs exclude MCC 9311 (Tax Payments) from eligible retail spend, but the tax payment facility behaves differently. |
HealthHub / Public Hospitals via HealthHub: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying hospital bills via the HealthHub app codes as MCC 9399 (Government Services), whereas paying physically on-the-spot at the hospital or clinic codes as MCC 8062 (Hospitals/Doctors).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HealthHub / Public Hospitals |
| Route | HealthHub |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T17:38:46+00:00 |
| Observed result | HealthHub app codes as MCC 9399, physical tap codes as MCC 8062 |
| Caveat | HealthHub app payments code as government services, which is widely excluded by credit cards, while physical counter payments code as medical services. |
Insurance: MCC 6300 (exception, user verified, risk: low)¶
User reported that insurance premium payments charged directly to Citi credit cards do not earn miles, but they do count as qualifying spend for welcome offers and the $12,000 quarterly spend required for the free airport limo benefit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | Insurance |
| Card | Citi PremierMiles |
| MCC | 6300 |
| Programme type | airport_lounge |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T12:55:10+00:00 |
| Observed result | Users confirmed insurance premium payments count towards the $12k quarterly spend for the free airport limo ride. |
| Public/official layer | Citi T&Cs exclude insurance from earning points/miles, but include it in qualifying spend for retail milestones unless paid via interest-free installments or specific excluded bill payment channels. |
| Caveat | Does not earn any base or bonus miles. |
Private Hospital via Amaze: MCC 8062 (exception, user verified, risk: low)¶
User reported that paying private hospital bills using Instarem Amaze linked to a 4 MPD card (such as Citi Rewards) successfully yields 4 MPD, subject to Amaze's 1% domestic transaction fee.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Private Hospital |
| Card | Amaze |
| Route | Amaze |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 MPD |
| Fees / surcharges | 1% fee |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T03:06:48+00:00 |
| Observed result | Successfully earned 4 MPD via Amaze routing despite the 1% fee. |
| Public/official layer | Direct hospital transactions are typically excluded from rewards on most cards. |
| Caveat | Incurs a 1% domestic transaction fee on Amaze. |
Klook via HeyMax: MCC 5311, 5411 (exception, user verified, risk: medium)¶
User reported that heyMax Klook voucher purchases previously suffered from a bug where they incorrectly coded as MCC 5411 or MCC 5311, causing HSBC Revolution cardholders to miss out on 10X bonus points.
| Field | Value |
|---|---|
| Status | outdated |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Klook |
| Card | HSBC Revolution Card |
| Route | HeyMax |
| MCC | 5411, 5311 |
| Programme | HSBC Revolution |
| Programme type | bank_transfer |
| Points currency | HSBC Reward Points |
| Devaluation risk | low |
| Last verified | 2026-06-09 |
| Last seen | 2026-06-09T05:52:04+00:00 |
| Observed result | Some vouchers coded as 5411 and others as 5311, resulting in no bonus points on HSBC Revolution for the incorrect MCC. |
| Public/official layer | HeyMax Klook vouchers should code under a single consistent MCC (e.g., 5311). |
| Caveat | The bug has since been fixed, but historical transactions prior to the fix did not receive HSBC Revolution bonus points. |
CapitaStar App: MCC 6540 (exception, user verified, risk: low)¶
User reported that buying e-vouchers via the CapitaStar app codes as MCC 6540 (Stored Value Card Purchase/Funding), which is excluded from rewards on the Citi Rewards Mastercard but still earns rewards on American Express cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CapitaStar App |
| Card | Citi Rewards Mastercard |
| MCC | 6540 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T11:57:48+00:00 |
| Observed result | Citi Rewards Mastercard does not award points, but Amex cards do. |
| Public/official layer | MCC 6540 is typically excluded from rewards by Citibank. |
| Caveat | Amex CapitaCard and other Amex cards are reported to still earn rewards on these purchases. |
Hitpay via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome (which codes as MCC 5999) via Hitpay can be used to successfully trigger DBS Shop Dine Travel promotion cashback, effectively masking non-qualifying merchant MCCs such as MCC 5533.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hitpay |
| Card | DBS Credit Cards |
| Route | Atome |
| MCC | 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T10:13:42+00:00 |
| Observed result | User successfully received $100 cashback for a $1,500 spend at a car brake dealer using Atome via Hitpay (MCC 5999). |
| Caveat | Requires the merchant to support Hitpay and Atome payment options. |
Other banks' credit cards via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS Bill Pay allows paying other banks' credit card bills using a DBS credit card, which functions as a free balance transfer. This transaction codes as MCC 6012, earns no miles, but counts towards the DBS card's annual fee waiver spending.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Other banks' credit cards |
| Card | DBS Altitude Card |
| Route | DBS Bill Pay |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | medium |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | Successfully paid other bank CC bills; counts towards annual fee waiver spend |
| Public/official layer | MCC 6012 is excluded from rewards |
| Caveat | Does not earn any miles or rewards |
Merchant: via Amaze (exception, user verified, risk: low)¶
User reported that uOB PRVI Mastercard can be linked to an empty Amaze wallet to test and reveal a merchant's exact MCC via a declined transaction before paying with the physical card, bypassing the fact that UOB excludes Amaze from earning miles.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Card | UOB PRVI Mastercard |
| Route | Amaze |
| Last verified | 2026-05-18T11:24:28+00:00 |
| Last seen | 2026-05-18T11:24:28+00:00 |
| Observed result | Users use Amaze purely as an MCC oracle by forcing a decline, then use the physical card to earn miles. |
| Public/official layer | UOB does not award miles for Amaze transactions. |
| Caveat | Transaction must fail (empty wallet) to just see the MCC, then pay with the physical UOB card to earn miles. | Stacking: Amaze -> UOB PRVI Mastercard |
Sushiro via ShopBack: MCC 5814 (exception, user verified, risk: medium)¶
User reported that paying at Sushiro (Our Tampines Hub) via ShopBack Pay codes as MCC 5814 (Fast Food Restaurants) instead of 5812.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Sushiro |
| Route | ShopBack |
| MCC | 5814 |
| Last verified | 2026-05-16T04:37:00+00:00 |
| Last seen | 2026-05-16T13:26:13+00:00 |
| Observed result | Coded as 5814 when routed through ShopBack Pay |
| Public/official layer | Sushiro typically codes as 5812 (Restaurants) |
| Caveat | Sushiro at Tampines One codes as 5812 directly. | Stacking: ShopBack -> Sushiro |
Hilton China (exception, user verified, risk: low)¶
User reported that hilton properties in China may appear with pinyin acronym merchant names (e.g., SZSHRYXASYGLYXGS for Conrad Shenzhen) but still trigger Amex statement credits because Amex relies on MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Hilton China |
| Card | Amex Platinum |
| Last verified | 2026-05-11T14:11:43+00:00 |
| Last seen | 2026-05-11T14:11:43+00:00 |
| Observed result | Acronym merchant names still trigger the Amex Hilton credit due to correct MCC |
FairPrice via FairPrice App: MCC 5411 (exception, user verified, risk: medium)¶
User reported that citi Rewards earns bonus points on FairPrice app payments only if the card details are saved directly in the app, but not via in-app Apple/Google Pay or physical PayWave.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | FairPrice |
| Card | Citi Rewards |
| Route | FairPrice App |
| MCC | 5411 |
| Last verified | 2026-05-07T07:17:30+00:00 |
| Last seen | 2026-05-07T07:17:30+00:00 |
| Observed result | Bonus points are awarded when paying via card details saved directly in the FairPrice app. |
| Public/official layer | Citi Rewards excludes MCC 5411 (Supermarkets) from 10X bonus points. |
| Caveat | Supermarkets are officially excluded from Citi Rewards 10X points; this appears to be a payment gateway loophole. |
Alipay / WeChat Pay: via Alipay / WeChat Pay / Amaze (exception, user verified, risk: medium)¶
User reported that alipay and WeChat Pay act as MCC roulettes, potentially altering the underlying merchant MCC. Recommended cards for these platforms include Amaze paired with Citi Rewards (avoiding travel MCCs), DBS Woman's World Mastercard (as a catch-all), or UOB Visa Signature (subject to minimum spend).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Alipay / WeChat Pay |
| Card | Citi Rewards / DBS WWMC / UOB Visa Signature |
| Route | Alipay / WeChat Pay / Amaze |
| Last verified | 2026-05-07T09:24:25+00:00 |
| Last seen | 2026-05-07T09:24:25+00:00 |
| Observed result | Alipay and WeChat Pay frequently change or mask the underlying MCC. |
| Public/official layer | Transactions should reflect the underlying merchant's MCC. |
| Caveat | Alipay and WeChat Pay can alter original merchant MCCs, creating risk of excluded categories. | Stacking: Alipay / WeChat Pay -> Amaze -> Citi Rewards |
Shopback: via Shopback (exception, user verified, risk: medium)¶
User reported that shopback payments can alter or mask the underlying merchant's MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Shopback |
| Route | Shopback |
| Last verified | 2026-05-07T09:13:46+00:00 |
| Last seen | 2026-05-07T09:13:46+00:00 |
| Observed result | Shopback alters the MCC of the transaction. |
| Public/official layer | Transactions reflect the underlying merchant's MCC. |
Town Council via AXS: MCC 7399 (exception, user verified, risk: low)¶
User reported that paying Town Council bills via AXS coded as MCC 7399 instead of a Government Services MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Town Council |
| Route | AXS |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-07T13:48:18+00:00 |
| Last seen | 2026-04-07T13:48:18+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Town Council payments typically code under Government Services (MCC 9399). |
| Caveat | User phrasing 'axs simplygo' is slightly ambiguous, but explicitly noted the MCC as 7399 instead of expected government services. |
iShopChangi via Shopback Pay: MCC 5311 (exception, user verified, risk: low)¶
User reported that paying directly on iShopChangi codes as MCC 4582, which is excluded from the UOB Preferred Platinum Visa online whitelist. Paying via Shopback Pay on the iShopChangi website codes as MCC 5311, which successfully qualifies for the 4mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback Pay |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Shopback Pay codes as MCC 5311 and earns 4mpd |
| Public/official layer | Direct MCC 4582 is not on the UOB PPV online whitelist |
| Caveat | Direct payment codes as MCC 4582 |
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. |
Singtel via Singtel App: MCC 4814 (exception, user verified, risk: low)¶
User reported that paying Singtel bills directly via the Singtel App no longer routes through AXS, allowing eligible credit cards to earn rewards or miles on telco transactions.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | Singtel App |
| MCC | 4814 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-12-14 |
| Last seen | 2024-12-14T10:27:40+00:00 |
| Observed result | Transactions do not go through AXS, allowing standard card rewards to apply |
| Caveat | Subject to individual bank exclusions on telecommunication MCCs. |
Singtel via AXS: MCC 4814 (exception, user verified, risk: medium)¶
User reported that singtel in-app bill payments have transitioned to using the AXS platform, which excludes them from earning rewards on most credit cards. Paying via the Singtel website remains a workaround.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | AXS |
| MCC | 4814 |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:39:26+00:00 |
| Observed result | In-app payments are processed via AXS and do not earn rewards, while website payments still process normally. |
| Public/official layer | AXS transactions are widely excluded from earning rewards across almost all Singapore credit cards. |
| Caveat | Website payment may also eventually transition to AXS. |
Singtel via Singtel Website vs Singtel App: MCC 4814 (exception, user verified, risk: high)¶
User reported that paying Singtel bills via the official website with Citi Rewards Card still earns 4 mpd, but paying via the Singtel app has changed to AXS payment and no longer earns points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Citi Rewards Card |
| Route | Singtel Website vs Singtel App |
| MCC | 4814 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | medium |
| Last verified | 2024-12-04 |
| Last seen | 2024-12-04T01:23:16+00:00 |
| Observed result | Singtel website payment awarded 4 mpd, while Singtel app payment coded as AXS and earned 0 points |
| Public/official layer | AXS transactions are excluded from earning points on Citi cards |
| Caveat | Singtel app payments now route through AXS, which is a standard exclusion |
YouTube Premium via Amaze: MCC 5968 (exception, user verified, risk: low)¶
User reported that paying for YouTube Premium using Amaze linked to Citi Rewards Mastercard awards 4 mpd (10x points).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5968 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | Citi ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:02:57+00:00 |
| Observed result | 4 mpd awarded |
| Caveat | YouTube Premium MCC is 5968, which is excluded by some cards like UOB Lady's but works via Amaze + Citi Rewards |
Merchant: via Kris+ (exception, user verified, risk: low)¶
User reported that kris+ payments retain the underlying merchant's MCC (e.g., dining MCC for restaurants) while being processed as an online transaction, which can trigger online bonuses for cards like DBS Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | DBS Woman's World Card |
| Route | Kris+ |
| Programme | KrisFlyer |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T06:42:08+00:00 |
| Observed result | Retains underlying MCC but codes as online transaction |
| Caveat | Useful for stacking dining-specific cards that require the correct MCC alongside online-specific cards |
Merchant: via Kris+ (exception, user verified, risk: low)¶
User reported that payments made via the Kris+ app retain the underlying merchant's MCC while simultaneously coding as an online transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Card | DBS Woman's World Card |
| Route | Kris+ |
| Programme | KrisFlyer |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T06:42:08+00:00 |
| Observed result | Kris+ at a restaurant codes as dining MCC for Maybank F&F and codes as online for DBS WWMC. |
| Public/official layer | Kris+ transactions are processed online and pass through the merchant's MCC. |
| Caveat | This allows stacking of online multipliers (like DBS WWMC) and category-specific multipliers (like Maybank Family & Friends for dining MCCs). |
Government Services via PayPal: MCC 9399 (exception, user verified, risk: low)¶
User reported that the American Express True Cashback card awards cashback on government services, such as paying road tax when routed through PayPal.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Government Services |
| Card | Amex True Cashback |
| Route | PayPal |
| MCC | 9399 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.5% |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last seen | 2024-11-26T15:10:48+00:00 |
| Observed result | Cashback is awarded for government transactions |
| Caveat | Requires routing through PayPal where accepted |
Gogo Energy via Amaze: MCC 5541 (exception, user verified, risk: low)¶
User reported that paying for petrol via Gogo Energy corporate card (Shell/Esso) linked to Amaze + Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, though a 1.8% credit card fee is levied.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount with 1.8% fee |
| Caveat | A 1.8% credit card fee is levied by the merchant. |
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 |
iShopChangi via Shopback: MCC 4582 (exception, user verified, risk: low)¶
User reported that direct purchases on iShopChangi code as MCC 4582, which is not on the UOB Preferred Platinum Visa (PPV) online whitelist. Paying via Shopback on the iShopChangi website changes the MCC to 5311, which successfully qualifies for the 4 mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback |
| MCC | 4582 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Paying via Shopback codes as MCC 5311 and awards 4 mpd |
| Public/official layer | UOB PPV only awards 4 mpd on whitelisted online MCCs (MCC 4582 is excluded) |
| Caveat | Direct payment codes as MCC 4582; Shopback routing changes it to MCC 5311 |
Merchant via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that atome transactions code as MCC 5999. Paying Atome installments manually (instead of automatic deduction) successfully triggers credit card rewards on cards like Citi Rewards Mastercard and HSBC Revolution.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Rewards Mastercard |
| Route | Atome |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T13:25:43+00:00 |
| Observed result | Manual payment of Atome bills successfully awards rewards on Citi Rewards Mastercard and HSBC Revolution. |
| Caveat | Users recommend paying manually close to the due date rather than relying on automatic deductions to ensure rewards are credited. |
Merchant via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that paying via Atome changes the transaction MCC to 5999, which still qualifies for credit card rewards on cards like Citi Rewards Mastercard and HSBC Revolution.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Rewards Mastercard |
| Route | Atome |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles/points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T13:25:43+00:00 |
| Observed result | Changes MCC to 5999 and earns rewards on CRMC and Revo. |
| Caveat | Manual payments of Atome installments are recommended to ensure rewards and manage limits. |
Atome via Amaze: MCC 5999 (exception, user verified, risk: low)¶
User reported that atome transactions code as MCC 5999. Paying Atome installments manually (instead of relying on auto-deductions) using Amaze linked to Citi Rewards Mastercard or HSBC Revolution successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Atome |
| 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 | 2024-11-23T13:25:43+00:00 |
| Observed result | Manually paying Atome bills via Amaze + CRMC/Revo successfully earns 4 mpd. |
| Caveat | Automatic deductions may fail to trigger rewards; manual payment of the installment bills is recommended. |
Best Denki (Bishan) via FavePay: MCC 5311 (exception, user verified, risk: low)¶
User reported that paying at Best Denki (Bishan) via FavePay QR codes as MCC 5311 (Department Stores) instead of MCC 5732 (Electronics), which can be used to earn bonus points on cards like HSBC Revolution or OCBC Titanium Rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Best Denki (Bishan) |
| Card | HSBC Revolution |
| Route | FavePay |
| MCC | 5311 |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T11:58:06+00:00 |
| Observed result | FavePay QR payment coded as MCC 5311. |
| Public/official layer | Direct payment at electronics stores codes as MCC 5732. |
| Caveat | Specifically verified at the Bishan outlet; other outlets may vary. |
Best Denki (Bishan) via FavePay: MCC 5311 (exception, user verified, risk: low)¶
User reported that paying at Best Denki Bishan using FavePay QR codes as MCC 5311 (Department Stores) instead of MCC 5732 (Electronics), which allows earning on cards like HSBC Revolution or OCBC Titanium Rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Best Denki (Bishan) |
| Card | HSBC Revolution |
| Route | FavePay |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T11:58:06+00:00 |
| Observed result | Coded as MCC 5311 (Department Stores) |
| Public/official layer | Electronics stores typically code as MCC 5732 |
| Caveat | Specifically observed at the Bishan outlet using FavePay QR |
FairPrice App via Direct in-app entry: MCC 5411 (exception, user verified, risk: low)¶
User reported that to ensure Citi Rewards Mastercard earns bonus points on the FairPrice app, enter the card details directly into the app instead of using Apple Pay.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FairPrice App |
| Card | Citi Rewards Mastercard |
| Route | Direct in-app entry |
| MCC | 5411 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T09:19:43+00:00 |
| Observed result | Entering details directly works; Apple Pay should be avoided. |
| Caveat | Using Apple Pay with Citi Rewards on the FairPrice app may result in missing bonus points. |
FairPrice via In-app direct entry: MCC 5411 (exception, user verified, risk: low)¶
User reported that to earn bonus points on the Fairprice app using the Citi Rewards card, enter the card details directly into the app instead of using Apple Pay.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FairPrice |
| Card | Citi Rewards Mastercard |
| Route | In-app direct entry |
| MCC | 5411 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T09:19:43+00:00 |
| Observed result | Direct card entry in Fairprice app successfully triggers 10X points, while Apple Pay is avoided to prevent bonus loss |
| Caveat | Using Apple Pay within the Fairprice app with Citi Rewards may result in missing out on the 10X online bonus points. |
Singapore Airlines via SIA Corporate Portal: MCC 3011 (exception, user verified, risk: low)¶
User reported that booking a Singapore Airlines flight via the SIA corporate portal and paying with the AMEX Platinum card successfully triggers the $200 airline statement credit while still earning HighFlyer points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singapore Airlines |
| Card | AMEX Platinum |
| Route | SIA Corporate Portal |
| MCC | 3011 |
| Programme | HighFlyer |
| Programme type | airline |
| Points currency | HighFlyer points |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T16:12:09+00:00 |
| Observed result | Successfully triggered the $200 airline credit and earned HighFlyer points |
| Caveat | Must be paid with the AMEX Platinum card that has the airline credit benefit |
Ya Kun Kaya Toast via contactless or app: MCC 5734, 5812, 5814 (exception, user verified, risk: medium)¶
User reported that ya Kun Kaya Toast outlets have highly inconsistent MCCs, ranging from MCC 5814 (Fast Food) and MCC 5812 (Restaurants) for contactless payments, to MCC 5734 (Computer Software) or MCC 5812 when paying via the Ya Kun app.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Kaya Toast |
| Route | contactless or app |
| MCC | 5814, 5812, 5734 |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T04:50:37+00:00 |
| Observed result | Outlets like IMM and Woodleigh code as 5814, while app payments at Heartland Mall Kovan and Punggol Oasis code as 5734 |
| Caveat | MCC varies wildly by outlet and payment method (contactless vs app) |
Google Store Singapore: MCC 5045 (exception, user verified, risk: low)¶
User reported that google Store Singapore transactions code as MCC 5045 on Visa. Paying with UOB Preferred Platinum Visa (PPV) only yields base points because MCC 5045 is not on the PPV whitelist.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Google Store Singapore |
| Card | UOB Preferred Platinum Visa |
| MCC | 5045 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T13:26:48+00:00 |
| Observed result | Only received base points, no bonus miles. |
| Public/official layer | UOB PPV only awards 10X UNI$ on whitelisted MCCs. |
| Caveat | Google Store may code as MCC 5732 on Mastercard. |
Ng Teng Fong General Hospital via NUHS App: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying Ng Teng Fong General Hospital (NTFGH) bills via the NUHS mobile app codes as MCC 9399 (Government Services), which does not earn miles on most credit cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ng Teng Fong General Hospital |
| Route | NUHS App |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-23 |
| Last seen | 2024-11-24T08:27:44+00:00 |
| Observed result | Transaction coded as MCC 9399 with no miles awarded. |
| Public/official layer | Most banks exclude MCC 9399 (Government Services) from earning points or miles. |
| Caveat | This is specific to NTFGH via the NUHS app; other hospitals or HealthHub app payments may code differently. |
Kopitiam via Apple Pay: MCC 5814 (exception, user verified, risk: low)¶
User reported that kopitiam mobile payment terminals do not accept Apple Pay transactions linked to Visa credit cards, despite displaying the Apple Pay icon.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Kopitiam |
| Route | Apple Pay |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2018-05-31 |
| Last seen | 2018-05-31T08:44:48+00:00 |
| Observed result | Apple Pay tagged with Visa credit card is rejected at Kopitiam mobile payment terminals |
| Caveat | Only affects Visa cards linked to Apple Pay; Mastercard may still work |