Confirmed Exceptions¶
Total claims: 222
Alipay / WeChat Pay via Alipay: MCC 5999 (exception, user verified, risk: low)¶
User reported that alipay and WeChat Pay transactions generally code under the online whitelist for the UOB Preferred Platinum Visa (PPV) to earn 4mpd, but specific mini-programs or apps can pass through their actual MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Alipay / WeChat Pay |
| Card | UOB Preferred Platinum Visa |
| Route | Alipay |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T05:39:44+00:00 |
| Observed result | Direct QR codes as 5999, but specific mini-programs pass through their actual MCCs (e.g., 4722 or 5542). |
| Caveat | Ctrip via Alipay codes as MCC 4722, and CNPC mini-program codes as MCC 5542, whereas direct QR scans code as MCC 5999. |
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. |
Singapore General Hospital (SGH) via Direct Card Payment: MCC 8062 (exception, user verified, risk: low)¶
User reported that at Singapore General Hospital (SGH), patients can make an advance deposit payment for future scheduled appointments, and any surplus is refunded via PayNow to the patient's NRIC after the bill is finalized.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singapore General Hospital (SGH) |
| Card | Trust Cashback Card |
| Route | Direct Card Payment |
| MCC | 8062 |
| Devaluation risk | low |
| Last seen | 2026-06-11T11:29:26+00:00 |
| Observed result | SGH Ambulatory Endoscopy Centre confirmed advance deposits are held and surplus is refunded via PayNow to patient's NRIC |
| Caveat | Requires a scheduled future appointment; refunds are sent to the patient's NRIC linked PayNow. |
NUHS Hospital: MCC 9399 (exception, user verified, risk: medium)¶
User reported that transactions at NUHS Hospital on the DBS Woman's World Mastercard code as MCC 9399 (Government Services), which is typically excluded from earning rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NUHS Hospital |
| Card | DBS Woman's World Mastercard |
| MCC | 9399 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 0 mpd |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:07:34+00:00 |
| Observed result | Coded as MCC 9399 |
| Public/official layer | Standard medical services usually code under MCC 8062/8011, but NUHS codes as 9399 |
| Caveat | Coded as government services instead of medical/hospital MCC |
Merchant via CardUp/SC EasyBill/SC Income Tax Payment Facility: MCC 9311 (exception, user verified, risk: low)¶
User reported that cardUp, SC EasyBill, and the SC Income Tax Payment Facility transactions count towards the S$2,000 minimum spend requirement for the Standard Chartered Visa Infinite 50,000 miles sign-up bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Standard Chartered Visa Infinite |
| Route | CardUp/SC EasyBill/SC Income Tax Payment Facility |
| MCC | 9311 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T13:37:16+00:00 |
| Observed result | Users confirmed these transactions successfully count towards the S$2,000 sign-up bonus spend. |
| Public/official layer | Tax payments (MCC 9311) are generally excluded from retail spend, but specific sign-up promo terms allow SC EasyBill, CardUp, and the SC Income Tax Payment Facility. |
| Caveat | General retail exclusions list MCC 9311 as excluded, but these specific payment routes/facilities are explicitly included for the sign-up bonus spend. |
Alipay / Shanghai Metro / DiDi via Amaze: MCC 4111, 4121, 5311 (exception, user verified, risk: low)¶
User reported that when using Amaze in China, direct Shanghai Metro transactions code as MCC 4111 and DiDi codes as MCC 4121, but transactions routed through Alipay often randomly code as MCC 5311 (Department Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Alipay / Shanghai Metro / DiDi |
| Route | Amaze |
| MCC | 5311, 4111, 4121 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T14:03:47+00:00 |
| Observed result | Alipay transactions randomly code as MCC 5311, while direct Shanghai Metro codes as MCC 4111. |
| Caveat | Alipay transactions can randomly code as MCC 5311 for metro, food, and shops. |
Singapore General Hospital via OTC/Online Payment: MCC 8062 (exception, user verified, risk: low)¶
User reported that singapore General Hospital (SGH) allows patients to make advance deposit payments if they have a future scheduled appointment, with any surplus refunded via PayNow to the patient's NRIC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singapore General Hospital |
| Route | OTC/Online Payment |
| MCC | 8062 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T11:29:26+00:00 |
| Observed result | SGH accepts advance deposit payments for future scheduled appointments and refunds excess via PayNow to the patient's NRIC. |
| Caveat | Requires a scheduled future appointment (e.g., at Ambulatory Endoscopy Centre). Surplus is refunded via PayNow to the patient's NRIC after the bill is finalized. |
WeChat Pay via WeChat Pay: MCC 5399, 5411, 5812, 7299, 7399 (exception, user verified, risk: low)¶
User reported that weChat Pay transactions linked to international cards like Revolut typically code under MCC 5399, 5411, 5812, 7399, or 7299.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | WeChat Pay |
| Card | Revolut |
| Route | WeChat Pay |
| MCC | 5399, 5411, 5812, 7399, 7299 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T14:33:26+00:00 |
| Observed result | WeChat Pay uses specific MCCs like 5399, 5411, 5812, 7399, 7299, but transport apps like DiDi may differ |
| Caveat | Transport services like DiDi or Metro may code under different MCCs |
Singapore General Hospital: MCC 8062 (exception, user verified, risk: low)¶
User reported that singapore General Hospital (SGH) allows advance payments (deposits) for future scheduled appointments, with any surplus refunded via PayNow to the patient's NRIC after the bill is finalized.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singapore General Hospital |
| MCC | 8062 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T11:29:26+00:00 |
| Observed result | User verified at SGH Ambulatory Endoscopy Centre that advance deposits can be made and surplus is refunded via PayNow to patient's NRIC. |
| Public/official layer | Deposits are held for future appointments and finalized after the visit. |
| Caveat | Requires a scheduled future appointment; refund goes to the patient's NRIC. |
Health Hub / Health Buddy via Health Hub: MCC 9399 (exception, user verified, risk: low)¶
User reported that payments made on Health Hub and Health Buddy apps code as MCC 9399 (Government Services) for non-DBS cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Health Hub / Health Buddy |
| Route | Health Hub |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T05:31:06+00:00 |
| Observed result | Health Hub and Health Buddy code as 9399 for non-DBS cards |
| Caveat | DBS cards may code differently; NUHS app might still code as MCC 8099. |
SimplyGo via SimplyGo: MCC 6540 (exception, user verified, risk: high)¶
User reported that simplyGo top-ups on both Mastercard and Visa networks have been reclassified to MCC 6540 (POI Funding/Stored Value Card Purchase/Load), which typically excludes them from earning card rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SimplyGo |
| Route | SimplyGo |
| MCC | 6540 |
| Devaluation risk | high |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T16:29:33+00:00 |
| Observed result | SimplyGo transactions coded as MCC 6540 on both Visa and Mastercard |
| Caveat | Top-ups up to 6 June 2026 were reported as still earning/safe, but subsequent tests on 9 and 10 June 2026 confirmed the change to MCC 6540. |
Points.com: MCC 7399 (exception, user verified, risk: low)¶
User reported that the Chocolate Visa Card classifies MCC 7399 (Points.com) as a bill payment, capping earnings at 100 Max Miles per month.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Points.com |
| Card | Chocolate Visa Card |
| MCC | 7399 |
| Programme | HeyMax |
| Programme type | other |
| Points currency | Max Miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T04:14:24+00:00 |
| Observed result | Classified as bill payment with a 100 Max Miles monthly cap |
NUHS (National University Health System): MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS (National University Health System) payments code as MCC 9399 (Government Services) instead of MCC 8062 (Hospitals), which excludes them from earning rewards on cards like the Citi Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS (National University Health System) |
| Card | Citi Woman's World Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:20:14+00:00 |
| Observed result | NUHS transactions coded as MCC 9399. |
| Public/official layer | Citi Woman's World Card excludes MCC 9399 (Government Services) from earning points. |
| Caveat | Other hospitals like SGH may code under MCC 8062, but KKH and NUHS are known to be difficult or code as government services. |
NextVisit via NextVisit: MCC 8062 (exception, user verified, risk: low)¶
User reported that payments made via the NextVisit app code as MCC 8062 (Hospitals) and successfully qualify for Trust Bank cashback and count towards UOB One card spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NextVisit |
| Card | Trust Cashback Card / UOB One Card |
| Route | NextVisit |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | medium |
| Last seen | 2026-06-10T18:04:45+00:00 |
| Observed result | NextVisit app payments code as MCC 8062 and successfully trigger Trust cashback and UOB One spend |
| Public/official layer | Hospital transactions are typically excluded from rewards on many cards |
| Caveat | Requires on-the-spot tap payment via the app |
Hospitals / Schools (exception, risk: low)¶
User reported that maybank credit cards generally do not exclude medical or education MCCs from earning rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Hospitals / Schools |
| Card | Maybank |
| MCC | Medical / Education |
| Last verified | 2026-04-14T08:17:05+00:00 |
| Last seen | 2026-04-14T08:17:05+00:00 |
| Observed result | Maybank continues to award points/cashback for these categories. |
| Public/official layer | Most banks exclude medical and education MCCs from rewards. |
| Caveat | Other standard exclusions still apply even for foreign currency transactions. |
Marks & Spencer via Samsung Pay: MCC 5311 (exception, user verified, risk: low)¶
User reported that citi Rewards Card earns 4 mpd on whitelisted MCCs (such as MCC 5311 Department Stores) when paid via in-store mobile wallets (Apple Pay, Google Pay, Samsung Pay), despite customer service officers sometimes incorrectly claiming they are excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Marks & Spencer |
| Card | Citi Rewards Card |
| Route | Samsung Pay |
| MCC | 5311 |
| Programme | Citi ThankYou Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last seen | 2026-06-10T13:07:36+00:00 |
| Observed result | CSOs incorrectly claim mobile wallets are excluded when users query missing points. |
| Public/official layer | In-store mobile wallet transactions on whitelisted MCCs earn 4 mpd. |
| Caveat | The transaction must fall under a whitelisted MCC; CSOs frequently give incorrect advice regarding mobile wallet exclusions. |
Shopee: MCC 5262 (exception, user verified, risk: high)¶
User reported that direct credit card payments for goods on Shopee have been observed coding as ShopeePay MP (MCC 5262) instead of standard e-commerce, affecting bonus earn rates on cards like UOB One, HSBC Revolution, and DBS WWMC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Shopee |
| Card | UOB One, HSBC Revolution, DBS WWMC |
| MCC | 5262 |
| Last verified | 2026-05-16T07:30:46+00:00 |
| Last seen | 2026-05-16T07:30:46+00:00 |
| Observed result | Direct payments coded as MCC 5262 (ShopeePay MP), potentially jeopardizing bonus cashback or miles. |
| Public/official layer | Direct purchases on Shopee should code as e-commerce/retail. |
| Caveat | May be related to auto top-up settings or a temporary platform glitch. |
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. |
Merchant: via Amaze (exception, user verified, risk: medium)¶
User reported that amaze refunds are credited to the currently linked card rather than the original card used for the purchase. If the currently linked card (e.g., Citi Rewards) excludes the refunded transaction's MCC (e.g., travel), no points are clawed back.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Card | Citi Rewards |
| Route | Amaze |
| Last verified | 2026-04-26T11:09:32+00:00 |
| Last seen | 2026-04-26T11:09:32+00:00 |
| Observed result | Refund is processed to the currently linked card, avoiding points clawback if the new card excludes the MCC. |
| Public/official layer | Refunds should reverse the points earned on the original card used for the transaction. |
| Caveat | May be considered gaming by the bank. | Stacking: Amaze -> Citi Rewards |
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. |
NHG (National Healthcare Group): via HealthHub app (exception, user verified, risk: low)¶
User reported that payments to NHG (National Healthcare Group) made via the HealthHub app code as Government Services.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NHG (National Healthcare Group) |
| Route | HealthHub app |
| MCC | Government Services |
| Devaluation risk | low |
| Last verified | 2026-06-09 |
| Last seen | 2026-06-09T14:43:26+00:00 |
| Observed result | Coded as Government Services |
| Caveat | This typically excludes the transaction from earning rewards on most credit cards. |
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. |
HeyMax: MCC 5311 (exception, user verified, risk: low)¶
User reported that heyMax Klook voucher purchases are intended to code as MCC 5311 (Department Stores). A bug that caused some transactions to code as MCC 5411 (Grocery)—which is excluded from rewards on cards like HSBC Revolution—has been fixed.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HeyMax |
| Card | HSBC Revolution |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-09 |
| Last seen | 2026-06-09T05:52:04+00:00 |
| Observed result | Some coded as 5411 due to a bug, which has since been fixed |
| Public/official layer | All vouchers bought via HeyMax should code as 5311 |
| Caveat | Past transactions that coded as 5411 did not receive HSBC Revolution bonus points. |
Woolworths: MCC 5411 (exception, user verified, risk: low)¶
User reported that accor gift cards purchased at Woolworths under MCC 5411 can be used to offset hotel bills, but they are only valid in Australia, New Zealand, and Fiji, and cannot be stacked with Accor Plus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Woolworths |
| MCC | 5411 |
| Programme | Accor Live Limitless |
| Programme type | hotel |
| Points currency | points |
| Award route / region | Australia, New Zealand, Fiji |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2026-06-08 |
| Last seen | 2026-06-08T08:15:40+00:00 |
| Observed result | Can be used to offset hotel bills by purchasing under grocery MCC |
| Public/official layer | Gift cards cannot stack with Accor Plus |
| Caveat | Only usable in Australia, New Zealand, and Fiji; explicitly cannot stack with Accor Plus |
GrabPay via GrabPay: MCC 6540 (exception, user verified, risk: medium)¶
User reported that grabPay top-ups count towards the $1,000 minimum credit card spend requirement for the Standard Chartered Bonus$aver account.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | GrabPay |
| Card | Standard Chartered Bonus$aver |
| Route | GrabPay |
| MCC | 6540 |
| Last verified | 2026-04-14T23:55:44+00:00 |
| Last seen | 2026-04-14T23:55:44+00:00 |
| Observed result | GrabPay top-ups count towards the $1k spend requirement. |
| Public/official layer | E-wallet top-ups are typically excluded from minimum spend requirements. |
| Caveat | Based on a single user confirmation; e-wallets are typically excluded in T&Cs. | Stacking: Standard Chartered Bonus$aver -> GrabPay |
Unity: MCC 5912 (exception, user verified, risk: medium)¶
User reported that topping up FairPrice physical gift cards at Unity outlets is restricted and no longer allowed by staff, blocking a common workaround for UOB Lady's Solitaire cardholders earning under the Beauty & Wellness category.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Unity |
| Card | UOB Lady's Solitaire |
| MCC | 5912 |
| Programme | UOB Lady's |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | high |
| Last verified | 2026-06-07 |
| Last seen | 2026-06-07T08:50:11+00:00 |
| Observed result | Staff refuse to process FairPrice physical gift card top-ups at the register. |
| Caveat | Specifically observed and reported at Westmall and NEX outlets. |
Basilico (Conrad Singapore Orchard): MCC 3598 (exception, user verified, risk: low)¶
User reported that basilico restaurant at Conrad Singapore Orchard codes under MCC 3598 (Conrad Hotels) rather than a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Basilico (Conrad Singapore Orchard) |
| MCC | 3598 |
| Devaluation risk | low |
| Last seen | 2026-06-06T13:40:57+00:00 |
| Observed result | Codes as MCC 3598 |
| Caveat | Transactions will code as hotel lodging, which may not trigger dining-specific card bonuses. |
Lazada: MCC 5262 (exception, user verified, risk: medium)¶
User reported that lazada purchases can code under MCC 5262 (Home Supply Warehouse), which falls outside the UOB Lady's Card 'Shopping' category. Large e-commerce platforms like Lazada, Shopee, Amazon, and Taobao use a pool of unpredictable MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Lazada |
| Card | UOB Lady's Card |
| MCC | 5262 |
| Programme | UOB Uni$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T09:31:25+00:00 |
| Observed result | Lazada transaction coded as MCC 5262 and did not qualify for the Shopping category bonus |
| Public/official layer | UOB Lady's Shopping category covers specific retail MCCs, but excludes MCC 5262 |
| Caveat | E-commerce platforms use multiple MCCs, making bonus point eligibility unpredictable |
Basilico (Conrad Singapore Orchard): MCC 3598 (exception, user verified, risk: low)¶
User reported that basilico restaurant (located at Conrad Singapore Orchard) codes under MCC 3598 (Conrad's hotel MCC) instead of a standard dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Basilico (Conrad Singapore Orchard) |
| MCC | 3598 |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T13:40:57+00:00 |
| Observed result | Codes as MCC 3598 |
| Caveat | Codes under the hotel's MCC rather than standard restaurant MCC 5812 |
Shisen Hanten: MCC 5812 (exception, user verified, risk: low)¶
User reported that shisen Hanten codes as MCC 5812 (Restaurants), not 5814 (Fast Food), making it eligible for HSBC Revolution bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shisen Hanten |
| Card | HSBC Revolution |
| MCC | 5812 |
| Last verified | 2026-05-08T13:49:04+00:00 |
| Last seen | 2026-05-08T13:49:04+00:00 |
| Observed result | Codes as 5812 and earns bonus on HSBC Revolution |
| Public/official layer | Heymax lists MCC as 5814 |
| Caveat | Heymax incorrectly lists it as 5814. |
Beyond the Dough: MCC 5814 (exception, user verified, risk: low)¶
User reported that beyond the Dough (pizza restaurant) codes under MCC 5814 (Fast Food Restaurants), which is excluded from earning bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Beyond the Dough |
| Card | HSBC Revolution |
| MCC | 5814 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T10:32:42+00:00 |
| Observed result | Coded as MCC 5814, no bonus points awarded |
| Public/official layer | HSBC Revolution excludes MCC 5814 from earning 4 mpd |
| Caveat | Does not earn bonus points on HSBC Revolution due to MCC 5814 exclusion |
SUSS: MCC 8220 (exception, user verified, risk: low)¶
User reported that the American Express True Cashback Card can be used to earn cashback on school fees (such as SUSS), provided the educational institution accepts American Express.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SUSS |
| Card | American Express True Cashback Card |
| MCC | 8220 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Miles / points | 1.5% cashback |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T08:54:32+00:00 |
| Observed result | Earns cashback on school fees |
| Public/official layer | Amex True Cashback Card generally does not exclude education/school fees from earning cashback, unlike most other bank cards. |
| Caveat | Subject to whether the school accepts Amex payments. |
Hotels (exception, user verified, risk: medium)¶
User reported that dBS Woman's World Mastercard (WWMC) may not earn bonus miles for hotel bookings if the hotel processes the charge offline later; UOB Lady's Card is safer as it relies on the Travel MCC rather than online transaction status.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Hotels |
| Card | DBS Woman's World Mastercard |
| Last verified | 2026-05-13T06:01:12+00:00 |
| Last seen | 2026-05-13T06:01:12+00:00 |
| Observed result | Hotel processed charge offline, resulting in no bonus miles |
| Public/official layer | DBS WWMC awards 4mpd on online transactions |
| Caveat | Applies to hotels that capture card details online but process the actual charge offline |
Merchant: via Amaze (exception, user verified, risk: low)¶
User reported that for the best results when testing merchant category codes (MCC) using an empty Amaze wallet, keep the Amaze card unlocked and ensure all payment settings (including overseas and contactless) are enabled.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Amaze |
| Route | Amaze |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T12:22:44+00:00 |
| Observed result | Declined transactions show up instantly in the app with MCC details when card is unlocked and settings are enabled |
| Caveat | Requires keeping the wallet empty to trigger a decline while still capturing the transaction details |
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. |
Singhealth / HealthHub: MCC 9399 (exception, risk: medium)¶
User reported that singhealth payments via HealthHub may code under MCC 9399 instead of MCC 8099, which could exclude them from MariBank bonus cashback.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Singhealth / HealthHub |
| Card | MariBank Debit Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | unknown |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Users flagged that HealthHub payments are now likely coding as MCC 9399. |
| Public/official layer | MCC 9399 is typically excluded from bank rewards and cashback programs. |
| Caveat | MCC classification may have recently changed from 8099 (Medical Services) to 9399 (Government Services). |
Mount Elizabeth Hospital: MCC 8062, 8071 (exception, user verified, risk: low)¶
User reported that hospital bills under MCC 8062 are excluded from earning points/miles on DBS Vantage, whereas dental bills under MCC 8071 are not excluded and will successfully earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Mount Elizabeth Hospital |
| Card | DBS Vantage |
| MCC | 8062, 8071 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | DBS Points |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T05:17:29+00:00 |
| Observed result | User received cashback/points for a dental transaction at Mount E (MCC 8071) but confirmed MCC 8062 yields no miles. |
| Public/official layer | MCC 8062 (Hospitals) is excluded from DBS rewards; MCC 8071 (Dental) is not on the exclusion list. |
| Caveat | Always verify the merchant's MCC via DBS Digibot before making large transactions. |
Mount Elizabeth Hospital / Dentist: MCC 8062, 8071 (exception, user verified, risk: low)¶
User reported that hospital bills under MCC 8062 are excluded from earning rewards on DBS Vantage, whereas dental services under MCC 8071 are not excluded and successfully earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Mount Elizabeth Hospital / Dentist |
| Card | DBS Vantage |
| MCC | 8062, 8071 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T05:17:29+00:00 |
| Observed result | User received cashback/rewards for a dental transaction at Mount E (MCC 8071) but noted hospital bills (MCC 8062) do not earn miles |
| Public/official layer | MCC 8062 (Hospitals) is typically excluded from DBS rewards, while MCC 8071 (Dental Laboratories/Services) is not on the standard exclusion list |
| Caveat | Always verify the merchant's specific MCC via Digibot before making large transactions |
Mount Elizabeth Orchard: MCC 8062, 8071 (exception, user verified, risk: low)¶
User reported that dBS Vantage excludes MCC 8062 (Hospitals) from earning rewards, but MCC 8071 (Dental) is not excluded and successfully earns rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Mount Elizabeth Orchard |
| Card | DBS Vantage Visa Infinite Card |
| MCC | 8062, 8071 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T05:17:29+00:00 |
| Observed result | User received rewards/cashback for a dental transaction at Mount Elizabeth Orchard under MCC 8071. |
| Public/official layer | DBS Vantage excludes MCC 8062 (Hospitals) from earning points/miles. |
| Caveat | Hospital bills under MCC 8062 are strictly excluded, but dental clinics typically code under MCC 8071 which is eligible. |
Mister Mobile (Parkway Parade): MCC 5814 (exception, user verified, risk: medium)¶
User reported that the Mister Mobile outlet at Parkway Parade codes under MCC 5814 (Fast Food Restaurants) instead of a standard telecom or retail MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Mister Mobile (Parkway Parade) |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:05:33+00:00 |
| Observed result | Codes as MCC 5814 |
| Caveat | This coding is highly unusual for a mobile phone shop and may be specific to the Parkway Parade outlet. |
SingHealth (via HealthHub): MCC 9399 (exception, user verified, risk: medium)¶
User reported that singHealth payments made via the HealthHub app code as MCC 9399 (Government Services) rather than MCC 8099.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | SingHealth (via HealthHub) |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Codes as MCC 9399 |
| Caveat | Previously coded as MCC 8099, but has shifted to MCC 9399 which is commonly excluded from credit card rewards |
Vivobarefoot via Global-E: MCC 5661 (exception, user verified, risk: medium)¶
User reported that online purchases from overseas merchants using the Global-E payment gateway (such as Vivobarefoot) are processed in Singapore, which can prevent them from earning foreign currency transaction bonuses on cards that require overseas processing.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Vivobarefoot |
| Card | UOB Visa Signature |
| Route | Global-E |
| MCC | 5661 |
| Devaluation risk | low |
| Last verified | 2026-06-03 |
| Last seen | 2026-06-03T06:53:29+00:00 |
| Observed result | Processed in Singapore, failing the overseas processing requirement for FCY bonus |
| Caveat | Transaction is processed in Singapore despite being in USD on a US website |
On Running: MCC 5655 (exception, user verified, risk: low)¶
User reported that on Running online store and Wheelock physical store code as MCC 5655 (Sports/Riding Apparel Shops), with the online store transactions being processed in Hong Kong (HKG).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | On Running |
| MCC | 5655 |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T14:07:04+00:00 |
| Observed result | On Running online store is processed in HKG and codes as MCC 5655 instead of 5999. |
| Caveat | Online transactions processed in HKG may incur foreign transaction fees or DCC depending on the card used. |
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 $1,500 spend at a car brake dealer using Atome via Hitpay (MCC 5999). |
| Caveat | Requires the merchant to support Hitpay and Atome payment options. |
Tourist attractions / farms: MCC 5812, 5814 (exception, user verified, risk: low)¶
User reported that some tourist attractions and farms code under dining MCCs such as 5812 (Restaurants) or 5814 (Fast Food).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Tourist attractions / farms |
| MCC | 5812, 5814 |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T02:42:17+00:00 |
| Observed result | A farm visited by a user coded as MCC 5814 |
| Caveat | Coding is highly merchant-dependent and unpredictable |
Klook, KKday, Trip.com: MCC 4722, 7991 (exception, user verified, risk: low)¶
User reported that mCC 7991 (Tourist Attractions and Exhibits) is not classified as Travel under the UOB Lady's Card, but booking the same attractions via Online Travel Agencies (OTAs) like Klook or KKday (which code as MCC 4722) will successfully trigger the Travel category bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Klook, KKday, Trip.com |
| Card | UOB Lady's Card |
| MCC | 7991, 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T06:23:41+00:00 |
| Observed result | Attraction websites code as MCC 7991 (not travel), but OTAs code as MCC 4722 (travel). |
| Public/official layer | MCC 4722 is eligible for Travel category; MCC 7991 is not. |
| Caveat | Booking directly on attraction websites often codes as MCC 7991, which is excluded from the Travel category. |
Citibank Korea via ATM Withdrawal: MCC 6011 (exception, user verified, risk: low)¶
User reported that for fee-free ATM cash withdrawals in South Korea using a Trust Card, users can use Citibank Korea ATMs and select the 'Citibank' option on the screen. NH Bank ATMs have started charging fees.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Citibank Korea |
| Card | Trust Link Card |
| Route | ATM Withdrawal |
| MCC | 6011 |
| Programme | Trust Bank |
| Programme type | other |
| Award route / region | South Korea |
| Fees / surcharges | Saves 4,500 to 5,000 KRW local ATM fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T03:30:23+00:00 |
| Observed result | Citibank Korea ATMs do not charge withdrawal fees when selecting the 'Citibank' option, whereas NH Bank ATMs now charge a fee of around 4,500 to 5,000 KRW. |
| Caveat | Users must actively select the 'Citibank' option on the ATM screen during withdrawal. Citibank ATMs are relatively rare in South Korea. |
Transit Link / SimplyGo via SimplyGo: MCC 4111 (exception, user verified, risk: low)¶
User reported that aMEX transit promotion spend requirements (e.g., spend S$10 on MRT/Bus for cashback or bonus miles) are cumulative across multiple rides rather than requiring a single S$10 transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Transit Link / SimplyGo |
| Card | AMEX Platinum Credit Card |
| Route | SimplyGo |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback/miles |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T02:18:04+00:00 |
| Observed result | Multiple smaller transit transactions accumulate to hit the S$10 target. |
| Public/official layer | Spend S$10 on transit to receive the offer reward. |
| Caveat | Must register for the specific Amex Offer first. |
Incheon Airport Limousine via Amaze: MCC 4131 (exception, user verified, risk: low)¶
User reported that transactions under MCC 4131 (Bus Lines), such as the Incheon Airport Limousine bus, routed through Amaze linked with the Citi Rewards Mastercard award 10x points (4 mpd).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Incheon Airport Limousine |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 4131 |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last seen | 2026-06-01T15:26:44+00:00 |
| Observed result | Amaze+CRMC awarded 10x points for MCC 4131 |
Taoyuan Airport MRT: MCC 4111 (exception, user verified, risk: low)¶
User reported that travel on the Taoyuan Airport MRT between Terminal 1, Terminal 2, and the Airport Hotel station (A14a) is free of charge (0 fare) when swiping an IC card such as EasyCard (Yo-Yo Card).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Taoyuan Airport MRT |
| MCC | 4111 |
| Programme type | other |
| Award route / region | TPE Airport Terminals to Airport Hotel |
| Fees / surcharges | 0 fare |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2026-06-01 |
| Last seen | 2026-06-01T08:30:35+00:00 |
| Observed result | Swiping an EasyCard results in a 0 fare charge for this route. |
| Public/official layer | Free transit is provided between Taoyuan Airport terminals and the Airport Hotel station when using an electronic IC card. |
| Caveat | You must use an IC card to tap in and out to get the free fare; single journey tickets are not free. |
Kebab shop: MCC 5462 (exception, user verified, risk: medium)¶
User reported that some kebab shops may code unexpectedly as Bakery (MCC 5462) rather than Dining/Restaurant, requiring a general spend card like UOB PRVI Miles to avoid missing out on specialized dining multipliers.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Kebab shop |
| Card | UOB PRVI Miles Mastercard |
| MCC | 5462 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2026-06-01 |
| Last seen | 2026-06-01T06:08:45+00:00 |
| Observed result | Kebab shop coded as bakery, prompting the user to use UOB PRVI Miles Mastercard instead of a dining card |
| Caveat | Merchant category codes are determined by the acquiring bank and can vary by outlet |
Kappadokia Kebabs: MCC 5462 (exception, user verified, risk: low)¶
User reported that kappadokia Kebabs codes under MCC 5462 (Bakeries) instead of a standard restaurant or eating place MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Kappadokia Kebabs |
| Card | UOB PRVI Miles Mastercard |
| MCC | 5462 |
| Devaluation risk | low |
| Last verified | 2026-06-01 |
| Last seen | 2026-06-01T06:08:45+00:00 |
| Observed result | Codes as MCC 5462 (Bakeries) |
| Caveat | Tested and verified by user before making the full transaction |
NUHS Pte Ltd: MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS Pte Ltd codes as MCC 9399 (Government Services) and has been observed to count towards the UOB One Card minimum spend requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS Pte Ltd |
| Card | UOB One |
| MCC | 9399 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-31 |
| Last seen | 2026-05-31T13:36:41+00:00 |
| Observed result | Counted towards the UOB One minimum $500 spending for interest |
| Public/official layer | Government services are typically excluded from UOB One spend |
| Caveat | MCC 9399 is typically excluded from rewards, but was observed to count towards the UOB One minimum spend for interest |
Suica via Amaze: MCC 4112 (exception, user verified, risk: medium)¶
User reported that mastercard Travel Rewards Suica top-up rebate (200 JPY rebate for 3,000 JPY top-up) is no longer eligible for Singapore-issued Mastercards like DBS WWMC and Citi Prestige, but still works via Amaze.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | Amaze |
| Route | Amaze |
| MCC | 4112 |
| Programme | Mastercard Travel Rewards |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Miles / points | 200 JPY rebate |
| Devaluation risk | medium |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T13:54:04+00:00 |
| Observed result | Singapore Mastercards failed/ineligible, Amaze still works |
| Public/official layer | Mastercard Travel Rewards offers Suica top-up rebates for eligible Mastercards |
| Caveat | Singapore-issued Mastercards are reported as ineligible directly |
DBS Bill Pay via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS credit cards can be used to pay other banks' credit card bills via DBS Bill Pay, which processes as an AXS payment. While it codes as MCC 6012 and does not earn miles, the transaction counts towards the DBS Altitude card's annual fee waiver spending.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | DBS Bill Pay |
| 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 | Processes successfully as an AXS payment, counts towards annual fee waiver, but yields no miles. |
| Public/official layer | Credit card to credit card payments are typically blocked or treated as cash advances. |
| Caveat | Does not earn miles or points; codes as MCC 6012. |
Other banks' credit card billing via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS Bill Pay allows users to pay other banks' credit card bills using a DBS credit card. This transaction codes as MCC 6012, meaning it does not earn miles or rewards, but the transaction amount still counts towards the DBS card's annual fee waiver.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Other banks' credit card billing |
| Card | DBS Altitude |
| Route | DBS Bill Pay |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | No miles awarded, but counts towards annual fee waiver |
| Public/official layer | MCC 6012 is excluded from earning rewards |
| Caveat | Does not earn any miles or rewards |
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 |
AXS via AXS: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS credit cards can pay other banks' credit card bills via the AXS integration in the DBS app. 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 | AXS |
| Card | DBS Credit Cards |
| Route | AXS |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | Counts towards annual fee waiver spending despite earning no rewards |
| Public/official layer | MCC 6012 is excluded from rewards |
| Caveat | Does not earn any miles or points. |
Eight telco: MCC 4814, 5732 (exception, user verified, risk: low)¶
User reported that eight telco physical top-up machines can code as either MCC 4814 (under KM Facilities Management) or MCC 5732 (under 11 Communication Pte Ltd) depending on the specific terminal used.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Eight telco |
| MCC | 4814/5732 |
| Devaluation risk | low |
| Last verified | 2026-05-22T06:24:29+00:00 |
| Last seen | 2026-05-22T06:25:10+00:00 |
| Observed result | Some terminals coded as MCC 5732 (Electronics Stores), allowing cards like HSBC Revolution to earn bonus miles. |
| Public/official layer | Telco top-ups typically code as MCC 4814. |
| Caveat | MCC varies by the specific payment terminal used at the event/location. |
11 Communication Pte. Ltd: MCC 5732 (exception, user verified, risk: low)¶
User reported that 11 Communication Pte. Ltd codes as MCC 5732 (Electronics Sale) instead of 4814
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | 11 Communication Pte. Ltd |
| MCC | 5732 |
| Devaluation risk | low |
| Last verified | 2026-05-22T05:19:02+00:00 |
| Last seen | 2026-05-22T05:21:50+00:00 |
| Observed result | Coded as 5732, which can earn bonus miles on cards like HSBC Revolution |
| Caveat | Terminal setups may be inconsistent across branches |
Eight Telecom via Paywave: MCC 4814 (exception, user verified, risk: medium)¶
User reported that topping up Eight telecom at their physical Citylink event via Paywave may not post under the standard 4814 telecommunication MCC, instead appearing as '11 Communication Pte. Ltd' or 'KM facilities management pte ltd'.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Eight Telecom |
| Route | Paywave |
| Devaluation risk | low |
| Last verified | 2026-05-22T04:53:15+00:00 |
| Last seen | 2026-05-22T04:53:15+00:00 |
| Observed result | Transactions posted under unexpected merchant names, potentially affecting category bonus eligibility. |
| Public/official layer | Telecom top-ups typically code as MCC 4814. |
| Caveat | Terminal setup at the event appears inconsistent. |
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 |
Marche: MCC 5309 (exception, user verified, risk: low)¶
User reported that marche (Changi Airport) codes as MCC 5309 (Duty Free Store) instead of a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Marche |
| MCC | 5309 |
| Last verified | 2026-05-17T06:18:29+00:00 |
| Last seen | 2026-05-17T06:24:05+00:00 |
| Observed result | Transaction posted as MCC 5309 (Duty Free Store). |
| Public/official layer | Restaurants typically code as MCC 5812 or 5814. |
| Caveat | Likely specific to the Changi Airport outlet. |
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 |
Accor / Mondrian Hong Kong: MCC 5814, 7011 (exception, user verified, risk: medium)¶
User reported that accor app prepaid hotel bookings typically code as MCC 7011, but alternative payment web links sent directly by the hotel (e.g., Mondrian Hong Kong) can code as MCC 5814.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Accor / Mondrian Hong Kong |
| MCC | 7011, 5814 |
| Last verified | 2026-05-13T10:05:25+00:00 |
| Last seen | 2026-05-13T10:05:25+00:00 |
| Observed result | A payment link sent by Mondrian HK after an initial card decline coded as MCC 5814. |
| Public/official layer | Hotel room bookings should code as lodging/hotels (e.g., 7011). |
| Caveat | Alternative payment links sent by hotels may code as dining/fast food instead of lodging. |
Accor ALL: MCC 7991 (exception, user verified, risk: medium)¶
User reported that accor ALL app hotel bookings have been observed to code as MCC 7991.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Accor ALL |
| MCC | 7991 |
| Last verified | 2026-05-13T04:54:27+00:00 |
| Last seen | 2026-05-13T06:01:12+00:00 |
| Observed result | Accor ALL app booking coded as 7991. |
| Public/official layer | Hotel bookings typically code under 7011 or specific hotel chain MCCs. |
| Caveat | Using online-focused cards like DBS WWMC carries a risk if the hotel processes the charge offline later; UOB Lady's Card is recommended as a safer alternative. |
Colony (Ritz-Carlton): MCC 3710, 5812, 7011 (exception, user verified, risk: medium)¶
User reported that colony restaurant at Ritz-Carlton can code as a Hotel (MCC 3710 or 7011) instead of Dining (MCC 5812) depending on the terminal used.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony (Ritz-Carlton) |
| MCC | 3710, 7011, 5812 |
| Last verified | 2026-05-12T10:28:43+00:00 |
| Last seen | 2026-05-12T10:28:43+00:00 |
| Observed result | Codes as hotel MCC 3710 or 7011, potentially voiding dining bonuses. |
| Public/official layer | Restaurants should code under dining MCCs like 5812. |
| Caveat | Use Chope or specific terminals to ensure MCC 5812; otherwise risk hotel MCC. |
Colony (Ritz Carlton): MCC 3710 (exception, user verified, risk: medium)¶
User reported that dining at Colony (Ritz Carlton) bills under hotel MCC 3710 instead of a dining MCC
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony (Ritz Carlton) |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Transaction posts as Ritz Carlton under MCC 3710 |
| Public/official layer | Dining establishments typically bill under dining MCCs like 5812 or 5814 |
Colony: MCC 3710 (exception, user verified, risk: low)¶
User reported that dining at Colony restaurant codes as Ritz Carlton (MCC 3710) instead of a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as hotel MCC 3710 (Ritz Carlton). |
| Public/official layer | Restaurants typically code under dining MCCs like 5812. |
| Caveat | Transaction description may only show Ritz Carlton without mentioning Colony. |
Colony: MCC 3710 (exception, user verified, risk: medium)¶
User reported that colony restaurant at Ritz Carlton codes as Ritz Carlton (MCC 3710 - Hotels) instead of dining
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as hotel (MCC 3710), which may affect dining bonus categories |
| Public/official layer | Restaurants typically code as dining (e.g., MCC 5812) |
| Caveat | Transaction description shows as Ritz Carlton, not Colony |
Colony: MCC 3710 (exception, user verified, risk: medium)¶
User reported that dining at Colony codes under Ritz Carlton with Hotel MCC 3710 instead of a dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Colony |
| MCC | 3710 |
| Last verified | 2026-05-12T10:22:40+00:00 |
| Last seen | 2026-05-12T10:22:40+00:00 |
| Observed result | Codes as Hotel MCC 3710 |
| Public/official layer | Should code under a dining/restaurant MCC like 5812 |
| Caveat | Transaction description appears as Ritz Carlton without mentioning Colony |
Attractions/Berggasthauses (Switzerland) (exception, risk: low)¶
User reported that f&B establishments at attractions and mountain inns (berggasthauses) in Switzerland may code under accommodation MCCs instead of dining.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Attractions/Berggasthauses (Switzerland) |
| MCC | Accommodation |
| Last verified | 2026-05-12T10:04:32+00:00 |
| Last seen | 2026-05-12T10:04:32+00:00 |
| Observed result | Often code as accommodation. |
| Public/official layer | F&B outlets should code as dining. |
| Caveat | Use Amaze to check the MCC beforehand if unsure. |
Switzerland F&B / Berggasthauses (exception, risk: medium)¶
User reported that in Switzerland, F&B at attractions or mountain inns (berggasthauses) may code as accommodation instead of dining.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Switzerland F&B / Berggasthauses |
| MCC | Accommodation |
| Last verified | 2026-05-12T10:04:32+00:00 |
| Last seen | 2026-05-12T10:04:32+00:00 |
| Observed result | F&B at Swiss attractions or mountain inns may code as accommodation. |
| Public/official layer | F&B should code under dining MCCs. |
Switzerland Attractions/Berggasthauses F&B (exception, user verified, risk: medium)¶
User reported that f&B outlets at attractions and berggasthauses in Switzerland may code under accommodation MCCs instead of dining.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Switzerland Attractions/Berggasthauses F&B |
| MCC | Accommodation |
| Last verified | 2026-05-12T10:04:32+00:00 |
| Last seen | 2026-05-12T10:04:32+00:00 |
| Observed result | Codes as accommodation, potentially missing dining bonus points |
| Public/official layer | Restaurants should code under dining MCCs |
| Caveat | Use Amaze to verify MCC before paying |
Switzerland F&B at attractions (exception, risk: medium)¶
User reported that restaurant MCCs in Switzerland are generally accurate, but F&B establishments at attractions or berggasthauses may code as accommodation.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Switzerland F&B at attractions |
| MCC | Accommodation |
| Last verified | 2026-05-12T10:04:32+00:00 |
| Last seen | 2026-05-12T10:04:32+00:00 |
| Observed result | F&B at Swiss attractions/berggasthauses sometimes code as accommodation. |
| Public/official layer | F&B should code under dining MCCs. |
| Caveat | Use Amaze to check MCC beforehand for peace of mind. |
F&B at attractions/berggasthauses (Switzerland) (exception, risk: medium)¶
User reported that f&B outlets at attractions or berggasthauses in Switzerland may code under accommodation MCCs instead of dining.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | F&B at attractions/berggasthauses (Switzerland) |
| MCC | Accommodation |
| Last verified | 2026-05-12T10:04:32+00:00 |
| Last seen | 2026-05-12T10:04:32+00:00 |
| Observed result | May code as accommodation, affecting dining bonus miles. |
| Public/official layer | F&B should code as dining. |
| Caveat | Use Amaze to check MCC if unsure. |
ClassPass: MCC 5734 (exception, user verified, risk: medium)¶
User reported that uOB Preferred Platinum Visa (UOB PV) awards only base points for recurring ClassPass monthly subscriptions, but successfully awards bonus points for ad-hoc ClassPass credit purchases.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | ClassPass |
| Card | UOB Preferred Platinum Visa |
| MCC | 5734 |
| Last verified | 2026-04-19T06:06:15+00:00 |
| Last seen | 2026-04-19T06:06:15+00:00 |
| Observed result | Ad-hoc ClassPass purchases earned bonus points, but recurring monthly subscriptions only earned base points. |
| Public/official layer | Online transactions earn 4mpd, but UOB excludes certain recurring payments. |
| Caveat | Recurring subscriptions may not earn bonus miles on UOB PV. |
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 |
Accor Plus: MCC 8699 (exception, user verified, risk: medium)¶
User reported that accor Plus payments may post as MCC 8699 instead of the official 7997. Despite MCC 8699 being a common exclusion, Citi Rewards Visa still awards 4 mpd for it as an eligible online transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Accor Plus |
| Card | Citi Rewards Visa |
| MCC | 8699 |
| Last verified | 2026-05-11T12:25:22+00:00 |
| Last seen | 2026-05-11T12:25:22+00:00 |
| Observed result | Posted as MCC 8699 and earned 4 mpd on Citi Rewards Visa. |
| Public/official layer | Accor Plus officially codes as MCC 7997. |
| Caveat | Depends on the exact MCC it hits; 8699 is risky for other banks. |
HeyMax Vouchers via HeyMax: MCC 5411 (exception, user verified, risk: medium)¶
User reported that heyMax voucher purchases (e.g., Klook, FairPrice) may code as MCC 5411 (Grocery Stores) instead of the usual MCC 5311 (Department Stores)
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | HeyMax Vouchers |
| Route | HeyMax |
| MCC | 5411 |
| Last verified | 2026-05-10T13:44:29+00:00 |
| Last seen | 2026-05-10T13:44:29+00:00 |
| Observed result | Users observed Klook and FairPrice voucher purchases coding as MCC 5411 |
| Public/official layer | HeyMax voucher purchases typically code as MCC 5311 |
| Caveat | Inconsistent behavior observed; some transactions still code as 5311 | Stacking: HeyMax -> Vouchers |
Merchant via Heymax: MCC 5812 (exception, user verified, risk: medium)¶
User reported that heymax MCC prediction may not always match the final posted MCC
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Route | Heymax |
| MCC | 5812 |
| Last verified | 2026-05-10T01:32:22+00:00 |
| Last seen | 2026-05-10T01:32:22+00:00 |
| Observed result | Actual posted MCC was 5812 instead of the predicted 5814 |
| Public/official layer | Heymax provides MCC lookup before purchase |
| Caveat | User experienced Heymax predicting 5814 but actual transaction posted as 5812 |
Merchant via Heymax: MCC 5812 (exception, user verified, risk: medium)¶
User reported that heymax's MCC search tool can be inaccurate; a user reported it showing MCC 5814 before purchase, but the transaction actually posted as MCC 5812.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Route | Heymax |
| MCC | 5812 |
| Last verified | 2026-05-10T01:32:22+00:00 |
| Last seen | 2026-05-10T01:32:50+00:00 |
| Observed result | The actual posted MCC differed from the Heymax prediction (5812 instead of 5814). |
| Public/official layer | Heymax displays the expected MCC for a merchant. |
| Caveat | Heymax dataset relies on crowdsourced or historical data and may not reflect the exact MCC at the time of purchase. |
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. |
Restaurants via Alipay: MCC 5399, 5999 (exception, user verified, risk: medium)¶
User reported that alipay often masks restaurant transactions to MCC 5399 or 5999 instead of dining MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Restaurants |
| Route | Alipay |
| MCC | 5399, 5999 |
| Last verified | 2026-05-07T10:23:23+00:00 |
| Last seen | 2026-05-07T10:23:23+00:00 |
| Observed result | Transactions coded as 5399 or 5999. |
| Public/official layer | Restaurants typically code as 5812 or 5814. |
| Caveat | May result in lost dining bonus miles/cashback. |
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. |
Dining (China): via Alipay (exception, user verified, risk: medium)¶
User reported that uOB Lady's Card linked to Alipay for direct dining charges in China may not award bonus miles, likely due to Alipay masking the MCC.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | Dining (China) |
| Card | UOB Lady's Card |
| Route | Alipay |
| Last verified | 2026-05-07T09:03:51+00:00 |
| Last seen | 2026-05-07T09:03:51+00:00 |
| Observed result | No bonus miles awarded for dining paid via Alipay. |
| Public/official layer | Dining category should earn bonus miles on UOB Lady's Card. |
| Caveat | Alipay may mask the underlying MCC, preventing category bonuses. |
Singtel via Physical Kiosk: MCC 5999 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4mpd for Singtel bills online, but earns 4mpd when paid via Paywave at a physical Singtel kiosk under MCC 5999.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Singtel |
| Card | UOB Preferred Platinum Visa |
| Route | Physical Kiosk |
| MCC | 5999 |
| Last verified | 2026-05-07T03:41:23+00:00 |
| Last seen | 2026-05-07T03:41:23+00:00 |
| Observed result | Paywave at kiosk posts as MCC 5999 and earns 4mpd. |
| Public/official layer | Telecommunication bills are typically excluded from rewards. |
| Caveat | Must use physical Paywave at the kiosk; online payment is not whitelisted. |
SingTel: MCC 5999 (exception, user verified, risk: low)¶
User reported that singTel bill payments via PayWave at physical kiosks code as MCC 5999 and earn 4mpd with UOB Preferred Platinum Visa (PPV), bypassing the online payment exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | SingTel |
| Card | UOB Preferred Platinum Visa |
| MCC | 5999 |
| Last verified | 2026-05-07T03:41:23+00:00 |
| Last seen | 2026-05-07T03:42:08+00:00 |
| Observed result | PayWave at physical kiosk codes as MCC 5999 and earns 4mpd. |
| Public/official layer | Online telecommunication bill payments are typically excluded from 4mpd. |
| Caveat | Must pay via physical PayWave at the kiosk; online payment is not whitelisted. |
Shophouse cafes (hotel-affiliated) (exception, user verified, risk: medium)¶
User reported that cafes located on the ground floor of shophouse hotels may code under a Travel MCC instead of a Dining MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shophouse cafes (hotel-affiliated) |
| MCC | Travel |
| Last verified | 2026-05-06T09:51:22+00:00 |
| Last seen | 2026-05-06T09:51:22+00:00 |
| Observed result | Coded as Travel MCC due to the hotel on the upper floors. |
| Public/official layer | Standalone cafes typically code as Dining. |
| Caveat | Always check if the cafe shares the MCC of the hotel above it. |
Merchant via Amaze: MCC 4722 (exception, user verified, risk: medium)¶
User reported that amaze empty wallet MCC checks can sometimes show a different MCC than the actual posted transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Card | DBS Woman's World Mastercard |
| Route | Amaze |
| MCC | 4722 |
| Last verified | 2026-04-28T15:47:50+00:00 |
| Last seen | 2026-04-28T16:09:43+00:00 |
| Observed result | Actual transaction posted as MCC 4722 despite the empty wallet check showing MCC 7991. |
| Public/official layer | Amaze declined transaction check should reflect the actual merchant MCC. |
| Caveat | User observed MCC 7991 on the declined Amaze check, but the actual transaction posted as MCC 4722 on the DBS WWMC. | Stacking: DBS Woman's World Mastercard -> Amaze -> Merchant |
GetYourGuide via Amaze: MCC 7991 (exception, user verified, risk: low)¶
User reported that getYourGuide codes as MCC 7991 when routed through Amaze, but may code as MCC 4722 when billed directly.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | GetYourGuide |
| Route | Amaze |
| MCC | 7991 |
| Last verified | 2026-04-28T15:40:51+00:00 |
| Last seen | 2026-04-28T15:40:51+00:00 |
| Observed result | Amaze transaction posted as 7991, while direct check showed 4722. |
| Caveat | Direct billing MCC may vary; digibot showed 4722 for a direct transaction. | Stacking: Card -> Amaze -> GetYourGuide |
Food places and mama shops in China: MCC 5399, 5812 (exception, user verified, risk: medium)¶
User reported that in China, many food places code as MCC 5399 (Miscellaneous General Merchandise) instead of dining, while convenience/mama shops may code as MCC 5812 (Eating Places/Restaurants).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Food places and mama shops in China |
| MCC | 5399, 5812 |
| Last verified | 2026-04-28T06:00:21+00:00 |
| Last seen | 2026-04-28T06:00:21+00:00 |
| Observed result | Food places coded as 5399, mama shops coded as 5812. |
| Public/official layer | Food places should code under dining MCCs like 5812 or 5814. |
| Caveat | MCCs in China can be highly unpredictable. |
Running Lab: MCC 5047 (exception, user verified, risk: medium)¶
User reported that running Lab codes as MCC 5047 (Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies) instead of a typical retail or sporting goods MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Running Lab |
| MCC | 5047 |
| Last verified | 2026-04-27T09:47:15+00:00 |
| Last seen | 2026-04-27T09:50:23+00:00 |
| Observed result | Codes as MCC 5047 (Medical Equipment and Supplies). |
| Public/official layer | Sports apparel and shoe stores typically code under retail or sporting goods MCCs. |
| Caveat | May not trigger retail or shopping bonus categories due to the medical equipment MCC. |
F&B in China: MCC 5812, 5814, 7299 (exception, user verified, risk: medium)¶
User reported that local F&B shops in China frequently code as MCC 5812 or 7299, whereas international chains typically code as 5814.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | F&B in China |
| MCC | 5812, 5814, 7299 |
| Last verified | 2026-04-25T19:28:52+00:00 |
| Last seen | 2026-04-25T19:28:52+00:00 |
| Observed result | Local F&B shops in China sometimes code as 7299. |
| Public/official layer | F&B merchants should code under dining MCCs. |
| Caveat | MCC 7299 is a non-dining category, which may affect dining bonus miles/cashback. |
Shopee: MCC 6540 (exception, user verified, risk: high)¶
User reported that shopee checkout transactions may unexpectedly code as ShopeePay (MCC 6540) and be excluded from rewards
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | DBS Woman's World Mastercard |
| MCC | 6540 |
| Last verified | 2026-04-16T06:54:11+00:00 |
| Last seen | 2026-04-16T06:54:11+00:00 |
| Observed result | Transactions coded as ShopeePay (MCC 6540) and earned no points. |
| Public/official layer | Regular Shopee purchases should code as MCC 5262 and earn online rewards. |
| Caveat | Users report regular purchases coding as e-wallet top-ups, resulting in zero points on DBS WWMC and exclusion from OCBC sign-up promos. | Stacking: Shopee -> ShopeePay -> DBS WWMC |
Dental clinics: MCC 8021 (exception, user verified, risk: medium)¶
User reported that uOB Preferred Platinum Visa (PPV) can earn 4mpd at certain dental clinics, depending on the specific clinic's MCC.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Merchant | Dental clinics |
| Card | UOB Preferred Platinum Visa |
| MCC | 8021 |
| Last verified | 2026-04-22T15:00:41+00:00 |
| Last seen | 2026-04-22T15:03:07+00:00 |
| Observed result | User successfully earned 4mpd at their family dentist using UOB PPV. |
| Public/official layer | Medical and dental MCCs (like 8021) are typically excluded from UOB PPV rewards. |
| Caveat | Depends on the specific clinic's MCC not falling under UOB's blacklist. |
Unity: MCC 5411 (exception, user verified, risk: medium)¶
User reported that unity pharmacy outlets located inside FairPrice without their own dedicated checkout counters code as MCC 5411 (Supermarkets) instead of Pharmacies.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Unity |
| MCC | 5411 |
| Last verified | 2026-04-22T00:51:57+00:00 |
| Last seen | 2026-04-22T00:51:57+00:00 |
| Observed result | Codes as Supermarket (MCC 5411) |
| Public/official layer | Unity normally codes as Pharmacy (MCC 5912) |
| Caveat | Applies to outlets absorbed into FairPrice without separate counters |
CapitaLand Parking: MCC 6513 (exception, user verified, risk: low)¶
User reported that amex KrisFlyer Ascend earns 1.2 mpd on MCC 6513 (Real Estate Agents and Managers - Rentals), such as CapitaLand monthly parking.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | CapitaLand Parking |
| Card | AMEX KrisFlyer Ascend |
| MCC | 6513 |
| Last verified | 2026-04-20T04:11:59+00:00 |
| Last seen | 2026-05-07T06:08:41+00:00 |
| Observed result | Amex KrisFlyer Ascend successfully awards 1.2 mpd on MCC 6513 for recurring CapitaLand parking charges. |
| Public/official layer | Most banks exclude MCC 6513 (Real Estate/Rentals) from rewards. |
| Caveat | DBS, UOB, and Citi explicitly exclude MCC 6513. |
Claude.ai / YouTube: MCC 5734 (exception, user verified, risk: high)¶
User reported that claude.ai and YouTube subscriptions code as MCC 5734 and do not earn 10x points (4mpd) on the Citi Rewards Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Claude.ai / YouTube |
| Card | Citi Rewards Visa |
| MCC | 5734 |
| Last verified | 2026-04-19T10:20:08+00:00 |
| Last seen | 2026-04-19T10:20:08+00:00 |
| Observed result | Coded as 5734 and did not award 10x points despite being processed as online transactions. |
| Public/official layer | Online transactions generally earn 10x points on Citi Rewards unless specifically excluded. |
| Caveat | User plans to test PayPal as a workaround to trigger the online bonus. |
Google Play Store: MCC 7372 (exception, user verified, risk: high)¶
User reported that google Play Store transactions (e.g., game top-ups) have started randomly coding as MCC 7372 instead of 5818, resulting in no bonus points on the DBS Woman's World Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Google Play Store |
| Card | DBS Woman's World Mastercard |
| MCC | 7372 |
| Last verified | 2026-04-19T10:17:53+00:00 |
| Last seen | 2026-04-19T10:17:53+00:00 |
| Observed result | Transactions coding as MCC 7372 do not earn bonus points. |
| Public/official layer | Online transactions earn 4mpd unless excluded. |
| Caveat | Coding is inconsistent; some transactions may still code as 5818. |
Google PlayStore / Discord: MCC 7372 (exception, user verified, risk: high)¶
User reported that google PlayStore and Discord subscriptions code as MCC 7372 and no longer earn bonus miles on the OCBC Women's World Mastercard (WWMC).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Google PlayStore / Discord |
| Card | OCBC Women's World Mastercard |
| MCC | 7372 |
| Last verified | 2026-04-19T10:17:53+00:00 |
| Last seen | 2026-04-19T10:17:53+00:00 |
| Observed result | Transactions coded as 7372 and failed to earn bonus miles. |
| Public/official layer | Online transactions should generally earn 4mpd on WWMC. |
| Caveat | Google PlayStore MCC changes to 7372 started around November 2025 and can be random. |
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. |
Eagle Eye Centre via FavePay: MCC 5311 (exception, user verified, risk: low)¶
User reported that eagle Eye Centre payments via FavePay code as MCC 5311 (Department Stores), earning 4mpd with cards like Citi Rewards or UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Eagle Eye Centre |
| Card | Citi Rewards, UOB PPV |
| Route | FavePay |
| MCC | 5311 |
| Last verified | 2026-04-18T02:19:20+00:00 |
| Last seen | 2026-04-18T02:19:20+00:00 |
| Observed result | Coded as 5311 via FavePay, allowing 4mpd. |
| Public/official layer | Medical services typically code under medical MCCs which are often excluded from rewards. |
Shopee: MCC 5331 (exception, user verified, risk: low)¶
User reported that oCBC Rewards awards bonus points for Shopee purchases based on merchant name rather than MCC, earning bonuses even if the MCC is 5331 (Variety Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | OCBC Rewards |
| MCC | 5331 |
| Last verified | 2026-04-17T14:58:01+00:00 |
| Last seen | 2026-04-17T14:59:46+00:00 |
| Observed result | Shopee transactions earn bonus points based on merchant description regardless of the underlying MCC (except ShopeePay). |
| Public/official layer | OCBC Rewards typically awards bonuses based on specific whitelisted MCCs. |
| Caveat | ShopeePay top-ups (MCC 5262) are excluded. |
Helpling: MCC 5734 (exception, user verified, risk: medium)¶
User reported that helpling direct charges (MCC 5734) earn bonus points on Citi Rewards Mastercard (CRM) and DBS Woman's World Mastercard (WWMC), but not on Citi Rewards Visa (CRV) which codes it as offline.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Helpling |
| Card | Citi Rewards Mastercard |
| MCC | 5734 |
| Last verified | 2026-04-17T05:43:38+00:00 |
| Last seen | 2026-04-17T05:43:38+00:00 |
| Observed result | CRV treated it as offline (no 10x), while CRM and WWMC treated it as online (earned bonus). |
| Public/official layer | Online transactions earn bonus points. |
| Caveat | CRV does not earn 10x. |
HealthHub / Health Buddy: MCC 8099, 9399 (exception, risk: low)¶
User reported that healthHub (non-NUHS) and Health Buddy code as MCC 8099 (Medical) when using DBS cards, but code as MCC 9399 (Government Services) for other banks' cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | HealthHub / Health Buddy |
| Card | DBS cards |
| MCC | 8099, 9399 |
| Last verified | 2026-04-17T03:47:21+00:00 |
| Last seen | 2026-04-17T03:47:21+00:00 |
| Observed result | DBS cards get MCC 8099, while other cards get MCC 9399. |
| Caveat | Applies to non-NUHS transactions. |
Agoda: MCC 4722 (exception, user verified, risk: medium)¶
User reported that a user reported not receiving 4 mpd for Agoda (MCC 4722) under the UOB Lady's Card Travel category, with a CSO claiming it falls under Transportation, though T&Cs do not list 4722 under Transportation.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | Agoda |
| Card | UOB Lady's Card |
| MCC | 4722 |
| Last verified | 2026-04-16T01:57:06+00:00 |
| Last seen | 2026-04-16T02:05:27+00:00 |
| Observed result | User did not receive 4 mpd for Agoda under the Travel category. |
| Public/official layer | MCC 4722 is typically considered Travel and is not listed under Transportation in the T&Cs. |
| Caveat | It is unclear if UOB silently changed the category mapping or if the CSO provided incorrect information. |
Manulife (exception, user verified, risk: medium)¶
User reported that dBS Vantage card awarded points for a Manulife insurance transaction despite customer service stating it would not earn points due to the MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Manulife |
| Card | DBS Vantage |
| MCC | Insurance |
| Last verified | 2026-04-15T13:33:06+00:00 |
| Last seen | 2026-04-15T14:20:22+00:00 |
| Observed result | Points were successfully awarded for the transaction. |
| Public/official layer | Insurance transactions typically do not earn points. |
| Caveat | CSO stated it shouldn't earn points, so there may be clawback risk or inconsistency. |
ISCA (exception, user verified, risk: low)¶
User reported that iSCA course fees earn 4 mpd when paid with the DBS Woman's World Mastercard (WWMC).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | ISCA |
| Card | DBS Woman's World Mastercard |
| Last verified | 2026-04-14T07:02:46+00:00 |
| Last seen | 2026-04-14T07:02:46+00:00 |
| Observed result | User successfully earned 4 mpd on ISCA course fees using DBS WWMC. |
| Public/official layer | Education MCCs are typically excluded from rewards by most banks. |
Healthbuddy: via Healthbuddy app (exception, user verified, risk: medium)¶
User reported that medical bills paid via the Healthbuddy app using DBS Woman's Card code as 'Health and Fitness' instead of a medical MCC
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Healthbuddy |
| Card | DBS Woman's World Card |
| Route | Healthbuddy app |
| MCC | Health and Fitness |
| Last verified | 2026-04-11T23:33:36+00:00 |
| Last seen | 2026-04-11T23:33:36+00:00 |
| Observed result | Transaction coded as 'Health and Fitness', potentially bypassing the medical exclusion |
| Public/official layer | Medical transactions are typically excluded from DBS WWMC bonus points |
| Caveat | Stacking: Healthbuddy app -> DBS Woman's World Card |
Cat Cafe Mocha Lounge Shinjuku: MCC 7399 (exception, user verified, risk: medium)¶
User reported that cat Cafe Mocha Lounge Shinjuku codes as MCC 7399 (Business Services Not Elsewhere Classified).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cat Cafe Mocha Lounge Shinjuku |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-08T11:20:54+00:00 |
| Last seen | 2026-04-08T11:20:54+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Cafes typically code under dining MCCs like 5812 or 5814. |
| Caveat | MCC 7399 is typically excluded from rewards by most banks. |
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 |
Senoko Energy: MCC 5734 (exception, user verified, risk: low)¶
User reported that senoko Energy transactions code under MCC 5734 (Computer Software Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Senoko Energy |
| MCC | 5734 |
| Devaluation risk | low |
| Last seen | 2026-04-05T12:54:19+00:00 |
| Observed result | Bills under MCC 5734. |
| Public/official layer | Utilities typically bill under MCC 4900. |
NTUC Income via CardUp: MCC 6300 (exception, user verified, risk: low)¶
User reported that nTUC Income insurance premiums cannot be paid via CardUp.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NTUC Income |
| Route | CardUp |
| MCC | 6300 |
| Devaluation risk | low |
| Last verified | 2026-04-04T08:46:24+00:00 |
| Last seen | 2026-04-04T08:46:24+00:00 |
| Observed result | NTUC Income does not accept CardUp payments. |
| Public/official layer | CardUp generally supports insurance payments. |
Fast Food, Travel Agencies: MCC 4722, 5814 (exception, risk: medium)¶
User reported that hSBC Revolution excludes MCC 5814 (Fast Food) and MCC 4722 (Travel Agencies) from earning bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fast Food, Travel Agencies |
| Card | HSBC Revolution |
| MCC | 5814, 4722 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2026-03-24T14:04:31+00:00 |
| Public/official layer | HSBC Revolution T&Cs exclude MCC 5814 and 4722 from 10X reward points. |
Turkish Airlines: MCC 3000 (exception, user verified, risk: high)¶
User reported that turkish Airlines (TK) offered an error fare for one-way Business Class flights from Vancouver (YVR) to Europe for approximately CAD 600, featuring 2-3-2 seating on the B77W and 2-2 on the A321Neo.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Turkish Airlines |
| MCC | 3000 |
| Programme | Turkish Airlines |
| Programme type | airline |
| Award route / region | YVR to Europe |
| Cabin / tier | Business |
| Fees / surcharges | CAD 600 |
| Sweet spot | yes |
| Devaluation risk | unknown |
| Last verified | 2026-04-03T04:17:24+00:00 |
| Last seen | 2026-04-03T04:17:24+00:00 |
| Observed result | Users successfully booked the fare for CAD 600. |
| Public/official layer | Business class fares from North America to Europe typically cost thousands of dollars. |
| Caveat | Error fares carry a high risk of cancellation by the airline. |
Food truck via Amaze: MCC 5499 (exception, user verified, risk: low)¶
User reported that amaze linked to UOB Lady's Card was declined for a food truck (MCC 5499) despite uplifting security parameters, while Amaze linked to Citi Rewards Mastercard succeeded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Food truck |
| Card | UOB Lady's Card |
| Route | Amaze |
| MCC | 5499 |
| Devaluation risk | low |
| Last verified | 2026-04-01T07:42:12+00:00 |
| Last seen | 2026-04-01T07:42:12+00:00 |
| Observed result | Transaction declined on UOB Lady's but approved on Citi Rewards Mastercard. |
| Caveat | May be specific to UOB's fraud/security parameters for certain MCCs via Amaze. |
Airpay terminals (Japan) via Airpay: MCC 7299 (exception, user verified, risk: medium)¶
User reported that airpay payment terminals in Japan (small black machines) often code as MCC 7299, including at restaurants like Narikura.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Airpay terminals (Japan) |
| Route | Airpay |
| MCC | 7299 |
| Devaluation risk | unknown |
| Last verified | 2026-04-01T06:17:32+00:00 |
| Last seen | 2026-04-01T06:17:32+00:00 |
| Observed result | Transactions via Airpay terminals coded as MCC 7299 (Miscellaneous General Services). |
| Public/official layer | Restaurants should typically code as dining MCCs like 5812 or 5814. |
| Caveat | May affect category-specific bonus earn rates if the card excludes MCC 7299. |
EZ-Link: MCC 6540 (exception, user verified, risk: low)¶
User reported that eZ-Link top-ups using the DBS Woman's World Mastercard still earn base points (0.4 mpd / 1X points).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | EZ-Link |
| Card | DBS Woman's World Mastercard |
| MCC | 6540 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 0.4 mpd |
| Devaluation risk | medium |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T23:53:23+00:00 |
| Observed result | User observed that base points were still awarded for EZ-Link top-up. |
| Public/official layer | Points are typically excluded for prepaid account top-ups. |
| Caveat | Only base points are awarded, not the bonus 4 mpd. |
Hoshino Resorts / Time Design: MCC 4722 (exception, user verified, risk: high)¶
User reported that hoshino Resorts direct website bookings (often handled by Time Design) post as MCC 4722 (Travel Agencies and Tour Operations), which does not earn bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hoshino Resorts / Time Design |
| Card | HSBC Revolution |
| MCC | 4722 |
| Devaluation risk | low |
| Last verified | 2026-04-01T02:50:07+00:00 |
| Last seen | 2026-04-01T02:50:47+00:00 |
| Observed result | Posted as MCC 4722, resulting in no bonus points on HSBC Revolution |
| Public/official layer | Direct hotel bookings typically post as MCC 7011 |
Shell: via Gogo Energy (exception, user verified, risk: low)¶
User reported that gogo Energy Shell payments incur a 1.8% admin fee but earn 4 mpd with the Citi Rewards Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Shell |
| Card | Citi Rewards Mastercard |
| Route | Gogo Energy |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-23T04:08:32+00:00 |
| Last seen | 2026-03-23T04:08:32+00:00 |
| Observed result | Earns 4 mpd when paid via Gogo Energy app. |
| Public/official layer | Citi Rewards excludes petrol transactions (MCC 5541/5542). |
| Caveat | Incurs a 1.8% admin fee. |
Japanese restaurants with automated payment machines: MCC 5411, 5812 (exception, user verified, risk: medium)¶
User reported that in Japan, restaurants switching from human cashiers to automated payment machines may change their MCC from 5812 (Dining) to 5411 (Supermarkets/Groceries).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Japanese restaurants with automated payment machines |
| MCC | 5812, 5411 |
| Award route / region | Japan |
| Devaluation risk | low |
| Last verified | 2026-03-30T09:55:05+00:00 |
| Last seen | 2026-03-30T09:55:05+00:00 |
| Observed result | Automated payment machine coded as 5411 (Supermarkets/Groceries). |
| Public/official layer | Restaurants should code as 5812 (Dining). |
| Caveat | Always test the MCC when a merchant changes their payment system. |
Family Mart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that family Mart in Taiwan codes as MCC 7399 (Business Services Not Elsewhere Classified) instead of a standard convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Family Mart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Coded as MCC 7399. |
| Public/official layer | Convenience stores typically code under MCC 5499. |
FamilyMart Taiwan: MCC 7399 (exception, user verified, risk: low)¶
User reported that familyMart in Taiwan codes as MCC 7399 (Business Services) instead of a typical convenience store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FamilyMart Taiwan |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:25:18+00:00 |
| Last seen | 2026-03-26T14:25:18+00:00 |
| Observed result | Codes as MCC 7399 |
| Public/official layer | Convenience stores typically code as MCC 5499 |
Taipei Metro: MCC 5499 (exception, user verified, risk: low)¶
User reported that taipei Metro codes as MCC 5499 (Miscellaneous Food Stores) instead of a standard transit MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Taipei Metro |
| MCC | 5499 |
| Devaluation risk | low |
| Last verified | 2026-03-26T14:24:34+00:00 |
| Last seen | 2026-03-26T14:24:34+00:00 |
| Observed result | Coded as MCC 5499. |
| Public/official layer | Transit merchants typically code under transportation MCCs like 4111 or 4131. |
Goldheart: MCC 5944 (exception, user verified, risk: medium)¶
User reported that goldheart codes as MCC 5944 (Jewelry Stores), but bonus points may not post automatically and require manual CSO intervention.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Goldheart |
| MCC | 5944 |
| Devaluation risk | low |
| Last verified | 2026-03-26T09:16:22+00:00 |
| Last seen | 2026-03-26T09:16:22+00:00 |
| Observed result | Bonus points were omitted by the system but awarded after CSO verified the MCC. |
| Public/official layer | MCC 5944 is eligible for bonus points on certain cards. |
| Caveat | Requires calling CSO to manually credit missing bonus points. |
Happy Lamb Hot Pot: MCC 5814 (exception, user verified, risk: medium)¶
User reported that hSBC excludes MCC 5814 (Fast Food) from bonus points. Restaurants like Happy Lamb Hot Pot may unexpectedly code as 5814 instead of 5812, resulting in only 0.4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Happy Lamb Hot Pot |
| Card | HSBC Revolution |
| MCC | 5814 |
| Programme | HSBC Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2026-03-26T07:28:55+00:00 |
| Last seen | 2026-03-26T07:28:55+00:00 |
| Observed result | Happy Lamb Hot Pot coded as 5814, earning only 0.4 mpd. |
| Public/official layer | HSBC excludes MCC 5814 from 4mpd bonus categories. |
| Caveat | Always verify MCC as some restaurants code as fast food. |
Cheers: MCC 5499 (exception, user verified, risk: low)¶
User reported that uOB Lady's Card with the Dining category selected earns bonus miles at Cheers (MCC 5499).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cheers |
| Card | UOB Lady's Card |
| MCC | 5499 |
| Devaluation risk | low |
| Last seen | 2026-03-25T12:08:46+00:00 |
| Observed result | Cheers MCC 5499 successfully triggers the Dining bonus category on UOB Lady's Card. |
| Caveat | Requires Dining to be selected as the quarterly bonus category. |
Cow Play Cow Moo: MCC 4900 (exception, user verified, risk: low)¶
User reported that cow Play Cow Moo arcade codes as MCC 4900 (Utilities) and does not earn points for contactless payments.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cow Play Cow Moo |
| MCC | 4900 |
| Devaluation risk | low |
| Last verified | 2026-03-24T12:41:30+00:00 |
| Last seen | 2026-03-24T12:41:30+00:00 |
| Observed result | Arcade transactions coded as 4900 and earned no points. |
| Public/official layer | MCC 4900 (Utilities) is generally excluded from credit card rewards. |
KKKL Travel Tours Pte Ltd: MCC 4722 (exception, user verified, risk: low)¶
User reported that kKKL Travel Tours Pte Ltd codes as MCC 4722 (Travel Agencies) but processes as a foreign entity, incurring a 1% fee and failing local travel category criteria for Maybank cards even when charged in SGD.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | KKKL Travel Tours Pte Ltd |
| Card | Maybank |
| MCC | 4722 |
| Fees / surcharges | 1% Foreign Entity Fee |
| Devaluation risk | low |
| Last verified | 2026-03-23T07:35:52+00:00 |
| Last seen | 2026-03-23T07:35:52+00:00 |
| Observed result | Processed as foreign entity despite SGD charge, incurring 1% fee and missing local travel bonus. |
| Public/official layer | Local travel categories require local entity processing. |
| Caveat | Change currency to non-SGD to qualify for foreign spend categories instead. |
CardUp via CardUp: MCC 7399 (exception, user verified, risk: low)¶
User reported that cardUp transactions (which code as MCC 7399) for car loans successfully earn cashback on the Maybank Platinum Visa Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Maybank Platinum Visa |
| Route | CardUp |
| MCC | 7399 |
| Programme | Maybank TREATS |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 3.33% cashback |
| Fees / surcharges | CardUp fee applies (e.g., 1.73% promo fee) |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T02:04:03+00:00 |
| Observed result | User received cashback on Maybank Platinum Visa for CardUp car loan payments. |
| Caveat | Verified specifically for car loan payments; mortgage payments were not explicitly confirmed by the user. |
Goldheart: MCC 5499 (exception, user verified, risk: medium)¶
User reported that goldheart transactions may anomalously code as MCC 5499 (Misc Food Store) instead of a jewelry MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Goldheart |
| Card | HSBC Revolution |
| MCC | 5499 |
| Devaluation risk | low |
| Last verified | 2026-03-23T04:14:01+00:00 |
| Last seen | 2026-03-23T04:14:01+00:00 |
| Observed result | Coded as MCC 5499 (Misc Food Store). |
| Public/official layer | Jewelry stores typically code under MCC 5094 or 5944. |
| Caveat | Observed on HSBC Revolution; may result in unexpected points earning. |
Ming Ang (exception, user verified, risk: medium)¶
User reported that maybank Family & Friends prioritizes the Dining category over the MYR spend category for Malaysian restaurant spend, which can consume the Dining sublimit instead of the MYR sublimit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ming Ang |
| Card | Maybank Family & Friends |
| MCC | Dining |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-03-22T10:08:01+00:00 |
| Last seen | 2026-03-22T12:30:30+00:00 |
| Observed result | SGD30 equivalent spent at a restaurant in MYR was posted to the Dining category, causing the $375 Dining sublimit to burst while the MYR sublimit remained unused. |
| Caveat | Only applies if the transaction MCC falls under Dining. |
Australia Visa, HealthHub, SimplyGo: via Chocolate Finance (exception, user verified, risk: low)¶
User reported that chocolate Finance blocks Australian visa payments (likely Government Services MCC) and some retail, but allows SimplyGo, HealthHub, and overseas parking.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Australia Visa, HealthHub, SimplyGo |
| Route | Chocolate Finance |
| MCC | Government Services |
| Devaluation risk | unknown |
| Last verified | 2026-03-22T03:51:14+00:00 |
| Last seen | 2026-03-22T03:51:38+00:00 |
| Observed result | Visa payment blocked, SimplyGo and HealthHub went through successfully. |
| Caveat | HealthHub works despite being a government service. |
Zenith Tuition via CardUp: MCC 7399 (exception, risk: low)¶
User reported that zenith tuition payments processed via CardUp are billed directly under the merchant name 'Zenith' (MCC 7399) rather than 'CardUp', allowing specialized 4mpd cards to earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Zenith Tuition |
| Card | UOB Preferred Platinum Visa / HSBC Visa Signature / Citi Rewards |
| Route | CardUp |
| MCC | 7399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.75% to 1.95% CardUp admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T10:51:41+00:00 |
| Observed result | The transaction is billed directly as Zenith (MCC 7399), bypassing the standard CardUp exclusions. |
| Public/official layer | CardUp payments are generally excluded from 4mpd specialized spending categories. |
| Caveat | This relies on CardUp's direct-billing integration for specific merchants where the transaction is not masked as CardUp. |
Merchant: via Contactless PayWave (exception, user verified, risk: low)¶
User reported that cover or tape the EMV chip on the physical HSBC Revolution card when using it overseas (e.g. Japan) to prevent cashiers from inserting it, which would transact via contact chip and miss out on the contactless bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | HSBC Revolution |
| Route | Contactless PayWave |
| Programme | HSBC Revolution |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T13:14:14+00:00 |
| Observed result | Inserting the chip results in a contact transaction earning only base points. |
| Public/official layer | Contactless or online transactions on whitelisted MCCs earn bonus points. |
| Caveat | Cashiers in Japan may attempt to insert the card if they are used to chip transactions. |
Takashimaya B2 / Fairs: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) food stalls and fairs (e.g., mooncakes) may code as MCC 5814 (Fast Food) instead of department store.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya B2 / Fairs |
| MCC | 5814 |
| Last verified | 2025-10-04T11:07:13+00:00 |
| Last seen | 2025-10-04T11:07:13+00:00 |
| Observed result | Transactions coded as MCC 5814 (Fast Food). |
| Public/official layer | Takashimaya usually codes as Department Store (MCC 5311). |
| Caveat | Receipt still shows Takashimaya; verified via HeyMax. |
Takashimaya: MCC 5814 (exception, user verified, risk: medium)¶
User reported that takashimaya B2 stalls and basement fairs can code as MCC 5814 (Fast Food) instead of Department Store
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:07:13+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Purchases at B2 stalls and basement fairs coded as MCC 5814 |
| Public/official layer | Takashimaya transactions typically code as MCC 5311 (Department Stores) |
| Caveat | Depends on the specific stall or fair; luggage fairs might still code as 5311 |
Takashimaya Basement Fair: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) food fairs can code as MCC 5814 (Fast Food) instead of the expected department store MCC, even if the receipt is under Takashimaya.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya Basement Fair |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Transaction coded as MCC 5814 (Fast Food). |
| Public/official layer | Takashimaya transactions typically code as MCC 5311 (Department Stores). |
| Caveat | Depends on the specific stall or type of fair; non-food fairs like luggage may code as 5311. |
Takashimaya: MCC 5814 (exception, user verified, risk: low)¶
User reported that purchases at Takashimaya basement fair (e.g., food, mooncakes) may code as MCC 5814 (Fast Food) instead of MCC 5311 (Department Store), despite the receipt showing Takashimaya.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Basement fair food stalls coded as MCC 5814. |
| Public/official layer | Takashimaya usually codes as MCC 5311 (Department Store). |
| Caveat | Depends on the specific terminal/stall used at the fair. |
Takashimaya: MCC 5814 (exception, user verified, risk: low)¶
User reported that purchases at Takashimaya B2 food fairs and mooncake stalls may code as MCC 5814 (Fast Food) instead of the main department store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Transactions coded as 5814 Fast Food on HeyMax despite the receipt showing Takashimaya. |
| Caveat | Depends on the specific terminal used by the stall; non-food fairs (e.g., luggage) may still code as MCC 5311. |
Takashimaya: MCC 5814 (exception, user verified, risk: medium)¶
User reported that purchases at Takashimaya basement (B2) fairs can code as MCC 5814 (Fast Food) instead of the usual department store MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Takashimaya |
| MCC | 5814 |
| Last verified | 2025-10-04T11:03:41+00:00 |
| Last seen | 2026-05-14T14:39:56+00:00 |
| Observed result | Coded as 5814 |
| Public/official layer | Takashimaya usually codes as 5311 |
| Caveat | Depends on the specific stall or fair type. |
Wogi: MCC 5947 (exception, user verified, risk: low)¶
User reported that wogi codes under MCC 5947 (Gift, Novelty, and Souvenir Shops) and successfully qualifies for bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Wogi |
| Card | HSBC Revolution |
| MCC | 5947 |
| Programme | HSBC Reward Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2025-01-31 |
| Last seen | 2025-01-31T17:06:00+00:00 |
| Observed result | User confirmed receiving bonus points on HSBC Revolution for Wogi transactions. |
| Public/official layer | HSBC Revolution whitelists MCC 5947 for bonus points. |
| Caveat | Some platforms previously listed Wogi as MCC 5999. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ (base or bonus) for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:38:37+00:00 |
| Observed result | SPC transaction on PPV posted with 0 UNI$. |
| Public/official layer | UOB rewards terms exclude SPC petrol from earning base UNI$ on most cards. |
| Caveat | UOB Lady's Card (with Transport selected) can earn bonus UNI$ at SPC, but PPV and Visa Signature do not. |
SPC: MCC 5541, 5542 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards; bonus UNI$ are only awarded on the UOB Lady's Card if the Transport category is selected, while UOB Visa Signature and Preferred Platinum Visa (PPV) earn no UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Lady's Card |
| MCC | 5541/5542 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | PPV transaction at SPC on Jan 2 posted on Jan 3 with 0 UNI$. Lady's Card earns bonus UNI$ only if Transport is selected. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning due to existing SMART$ or petrol discount partnerships. |
| Caveat | UOB Visa Signature has no bonus UNI$ for SPC, and PPV earns no UNI$ at all for SPC transactions. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | No UNI$ posted for SPC transaction on PPV. |
| Public/official layer | UOB SMART$ merchants (like SPC) typically do not earn regular UNI$ on most UOB cards unless specified. |
| Caveat | UOB Lady's Card (with Transport selected) earns bonus UNI$ at SPC, but no base UNI$. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards, but earn bonus UNI$ on UOB Visa Signature and UOB Lady's Card (with Transport category selected). UOB Preferred Platinum Visa (PPV) does not earn UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ on PPV, bonus only on VS/Lady's |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:30:42+00:00 |
| Observed result | PPV transaction on 2 Jan posted with no UNI$. VS and Lady's (Transport) earn bonus UNI$ only. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning. |
| Caveat | UOB Preferred Platinum Visa (PPV) earns 0 UNI$ at SPC. UOB Visa Signature and Lady's Card only earn bonus points, no base points. |
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 Suntec City via In-app payment: MCC 5734, 5812 (exception, user verified, risk: low)¶
User reported that ya Kun outlets at Suntec City code differently depending on the location: the Level 2 outlet codes as MCC 5734 via app (Visa), while the Basement 1 outlet codes as MCC 5812 via app (Mastercard).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ya Kun Suntec City |
| Route | In-app payment |
| MCC | 5734, 5812 |
| Devaluation risk | low |
| Last verified | 2024-12-27 |
| Last seen | 2024-12-27T00:36:54+00:00 |
| Observed result | Suntec Level 2 coded as MCC 5734 via Visa app payment; Suntec Basement 1 coded as MCC 5812 via Mastercard app payment. |
| Caveat | MCC varies by specific outlet location and card network used in-app. |
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. |
Sevenrooms (exception, user verified, risk: low)¶
User reported that restaurant reservation payments made on Sevenrooms are coded as Travel, making them eligible for online travel bonus rates on cards like the DBS Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Sevenrooms |
| Card | DBS Woman's World Card |
| MCC | Travel |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-12-13 |
| Last seen | 2024-12-13T12:48:25+00:00 |
| Observed result | Tagged as Travel and successfully earned bonus points on DBS WWMC |
Merchant via SimplyGo: MCC 4111, 4900, 8211, 8220, 8241, 8244, 8249, 8299 (exception, user verified, risk: low)¶
User reported that the Maybank FC Barcelona Visa card offers 1.6% cashback with no minimum spend and includes commonly excluded categories such as education, utilities, and public transport (SimplyGo).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Maybank FC Barcelona |
| Route | SimplyGo |
| MCC | 8211, 8220, 8241, 8244, 8249, 8299, 4900, 4111 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.6% |
| Devaluation risk | low |
| Last verified | 2024-12-10 |
| Last seen | 2024-12-10T14:47:50+00:00 |
| Observed result | Cashback awarded for education, utilities, and SimplyGo transactions |
| Public/official layer | 1.6% cashback on local retail transactions with no minimum spend |
| Caveat | Government services are excluded, unlike Amex True Cashback |
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 |
Shangri-La The Line via Amaze: MCC 7011 (exception, user verified, risk: low)¶
User reported that dining at Shangri-La 'The Line' codes under MCC 7011 (Lodging/Hotels), meaning it only earns 0.4 mpd on the Citi Rewards Card (even via Amaze) due to the travel exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Shangri-La The Line |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 7011 |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T08:34:59+00:00 |
| Observed result | 0.4 mpd |
| Public/official layer | Citi Rewards excludes MCC 7011 from 10X points |
| Caveat | Codes as hotel lodging instead of dining, which is excluded from Citi Rewards 10X bonus |
AIA via SimplyGo EZ-Link: MCC 6300 (exception, user verified, risk: low)¶
User reported that aIA insurance premiums can be paid using a SimplyGo EZ-Link card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | AIA |
| Route | SimplyGo EZ-Link |
| MCC | 6300 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T07:32:49+00:00 |
| Observed result | User successfully paid their AIA insurance premium using a SimplyGo EZ-Link card. |
| Caveat | Requires topping up the SimplyGo EZ-Link card beforehand; check if your credit card rewards EZ-Link top-ups. |
Dairy Farm Group: MCC 5411 (exception, user verified, risk: low)¶
User reported that physical card transactions at Dairy Farm Group merchants post on the same day, making them reliable for meeting last-minute UOB One card monthly spend deadlines.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Dairy Farm Group |
| Card | UOB One Card |
| MCC | 5411 |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-29 |
| Last seen | 2024-11-29T11:54:49+00:00 |
| Observed result | Physical card transactions at Dairy Farm merchants post on the same day. |
| Caveat | Must use the physical card; online transactions typically do not post on the same day. |
Guardian: MCC 5912 (exception, user verified, risk: low)¶
User reported that transactions made with a physical UOB One card at Guardian post on the same day, making it a viable option for meeting last-minute monthly spend thresholds.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Guardian |
| Card | UOB One |
| MCC | 5912 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T03:52:48+00:00 |
| Observed result | Transaction posted on the same day |
| Caveat | Must be physical card transaction |
Guardian: MCC 5912 (exception, user verified, risk: low)¶
User reported that physical transactions made at Guardian using a physical UOB One credit card post on the same day, which can help meet last-minute monthly spend requirements.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Guardian |
| Card | UOB One |
| MCC | 5912 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T03:53:43+00:00 |
| Observed result | Transaction posted on the same day as the purchase. |
| Caveat | Requires physical card transaction; Guardian is under the DFI Retail Group. |
Suica via Apple Pay: MCC 4111 (exception, user verified, risk: low)¶
User reported that topping up a Suica card with Japanese Yen via Apple Wallet/Apple Pay successfully triggers the American Express overseas spend promotion credits.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | American Express Cards |
| Route | Apple Pay |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T05:21:52+00:00 |
| Observed result | User topped up 1,200 JPY to Suica on Nov 18 and received the Amex overseas spend credit on Nov 27. |
| Caveat | Only American Express-issued cards are eligible for Amex Offers; bank-issued Amex cards (e.g., UOB/DBS) are excluded. |
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 |
YouTube Premium: MCC 5816 (exception, user verified, risk: low)¶
User reported that youTube Premium transactions code under MCC 5816 (Digital Goods - Games) rather than MCC 5968, which prevents them from earning bonus points on cards like the UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | UOB Preferred Platinum Visa |
| MCC | 5816 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:17:13+00:00 |
| Observed result | UOB confirmed the MCC is 5816 and the transaction did not earn mobile contactless/online bonus points |
| Caveat | Often misidentified as MCC 5968 on some crowdsourced databases |
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 |
Pelago: MCC 4722 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa does not earn 4 mpd (10X UNI$) for online transactions under MCC 4722 (such as Pelago or Kris+ in-app payments) because MCC 4722 is not on the card's online whitelist, and in-app payments do not qualify as mobile contactless spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pelago |
| Card | UOB Preferred Platinum Visa |
| MCC | 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T05:39:00+00:00 |
| Observed result | No bonus miles awarded for MCC 4722 online/in-app transactions |
| Public/official layer | UOB PPV earns 10X UNI$ on mobile contactless transactions and selected online whitelisted MCCs only |
| Caveat | In-app payments do not trigger the mobile contactless (offline) bonus |
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. |
Pocket Concierge via Pocket Concierge: MCC 5812 (exception, user verified, risk: low)¶
User reported that booking Japan restaurants via Pocket Concierge charges the Amex Platinum Charge card immediately at the time of booking, allowing users to trigger the current year's $200 overseas dining credit for a future year's reservation.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pocket Concierge |
| Card | Amex Platinum Charge |
| Route | Pocket Concierge |
| MCC | 5812 |
| Programme | Amex Global Dining Credit |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Miles / points | $200 rebate |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T15:23:43+00:00 |
| Observed result | Pre-paying via Pocket Concierge triggers the $200 rebate in the month of booking, even if the dining date is in the next year. |
| Public/official layer | Amex overseas dining credit requires payment at participating overseas restaurants. |
| Caveat | Any additional orders made during the actual dining session will be charged to the same card later. |
SPC via Mobile Contactless: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) earns 4 mpd (10X UNI$) 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 |
Hitpay / Atome via Atome via Hitpay: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome via Hitpay for purchases codes as MCC 5999 (instead of the merchant's direct MCC like 5533), which successfully qualifies for the DBS Shop Dine Travel promotion cashback.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hitpay / Atome |
| Card | DBS Cards |
| Route | Atome via Hitpay |
| MCC | 5999 |
| Programme | DBS Shop Dine Travel Promotion |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T10:13:42+00:00 |
| Observed result | User successfully received $100 cashback on a $1,500 spend at a brake dealer using this route. |
| Public/official layer | Direct credit card payments to automotive/brake shops (MCC 5533) may be excluded or fail to trigger the DBS promo, but routing through Atome/Hitpay masks the MCC to 5999. |
| Caveat | Requires the merchant to support Hitpay and Atome payment options |
government services, hawkers via Amex Pay: MCC 9399 (exception, user verified, risk: low)¶
User reported that aMEX True Cashback Card can earn cashback on government services (such as road tax paid via PayPal) and can be used via Amex Pay at supported SGQR hawkers.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | government services, hawkers |
| Card | AMEX True Cashback Card |
| Route | Amex Pay |
| MCC | 9399 |
| Points currency | cashback |
| Miles / points | 1.5% cashback |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T15:10:48+00:00 |
| Observed result | Earns cashback on government services via PayPal and works at Amex Pay-enabled hawkers. |
| Caveat | Merchant must support the AMEX network on their SGQR code for Amex Pay to work. |
PRAIRIE - CLUNY COURT: MCC 5814 (exception, user verified, risk: low)¶
User reported that pRAIRIE at Cluny Court Singapore is officially coded under MCC 5814 (Fast Food Restaurants), despite some aggregators showing it as MCC 5812.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | PRAIRIE - CLUNY COURT |
| Card | DBS Cards |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T04:18:49+00:00 |
| Observed result | DBS transaction data shows Merchant Category as Fast Food Restaurants (MCC 5814) |
| Caveat | HeyMax may display it incorrectly as MCC 5812 (Eating Places) |
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. |
Starbucks Shinsaibashi Osaka L2 via Amaze: MCC 5999 (exception, user verified, risk: low)¶
User reported that in-person purchases at Starbucks Shinsaibashi Osaka L2 code under MCC 5999 (Miscellaneous and Specialty Retail) instead of the typical dining or fast food MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Starbucks Shinsaibashi Osaka L2 |
| 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 | 2024-11-23T05:38:06+00:00 |
| Observed result | Coded as MCC 5999 |
| Caveat | Using Amaze with Citi Rewards Mastercard on MCC 5999 successfully yields 4 mpd as it is classified as retail. |
Amazon Marketplace SG via Amaze: MCC 5311 (exception, user verified, risk: low)¶
User reported that amazon Marketplace SG transactions code as MCC 5311 (Department Stores) when paid directly, but change to MCC 5999 (Miscellaneous and Specialty Retail Shops) with the description 'AMAZON Retail SG' when routed through Amaze.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Amazon Marketplace SG |
| Card | Amaze |
| Route | Amaze |
| MCC | 5311 |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T08:22:59+00:00 |
| Observed result | Direct payment coded as MCC 5311, Amaze payment coded as MCC 5999 |
| Caveat | Observed on toys delivered from the US |
Amazon SG: MCC 5311, 5999 (exception, user verified, risk: low)¶
User reported that amazon Marketplace SG transactions code as MCC 5311 (Department Stores), whereas AMAZON Retail SG transactions code as MCC 5999 (Miscellaneous and Specialty Retail Shops).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Amazon SG |
| MCC | 5311, 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T09:35:18+00:00 |
| Observed result | Amazon Marketplace SG coded as 5311, AMAZON Retail SG coded as 5999, but testing showed some inconsistency. |
| Caveat | The coding can be unpredictable; a test transaction for an item showed MCC 5999 but the actual purchase posted as MCC 5311. |
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. |
Fairmont Singapore: MCC 5812 (exception, user verified, risk: low)¶
User reported that for the Amex Raffles City spend promotion, receipts from Clove, Prego, and Asian Market Cafe (ACM) are eligible for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fairmont Singapore |
| Card | American Express Cards |
| MCC | 5812 |
| Programme | Amex Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-22T15:05:27+00:00 |
| Observed result | Hotel staff confirmed that Clove, Prego, and ACM receipts are accepted for the promotion, but Mikuni is not. |
| Public/official layer | Mikuni is excluded from the eligible merchant list for the Raffles City spend promotion. |
| Caveat | Mikuni is specifically excluded from the eligible list of merchants for this redemption. |
Raffles City Singapore: MCC 5812 (exception, user verified, risk: medium)¶
User reported that for the Raffles City $180 spend promotion, dining receipts from Clove, Prego, and Asian Market Cafe are accepted for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Raffles City Singapore |
| Card | AMEX Platinum |
| MCC | 5812 |
| Programme | Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-24T11:32:06+00:00 |
| Observed result | Clove, Prego, and Asian Market Cafe receipts are accepted; Mikuni is excluded |
| Public/official layer | Spend $180 at Raffles City to redeem promotion rewards |
| Caveat | Based on mall staff verbal confirmation; Mikuni is explicitly not on the accepted list. |
WeChat Pay / Alipay via Amaze: MCC 5399, 5999 (exception, user verified, risk: medium)¶
User reported that when using Amaze linked to a Citi Rewards Mastercard, WeChat Pay transactions code as MCC 5999 (Miscellaneous/Specialty Retail) and Alipay transactions code as MCC 5399 (General Merchandise) for merchants like 7-Eleven and grocery stores.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | WeChat Pay / Alipay |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5999, 5399 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-11-18 |
| Last seen | 2024-11-18T05:38:16+00:00 |
| Observed result | WeChat Pay coded as MCC 5999, Alipay coded as MCC 5399 |
| Caveat | Avoid using whitelist-only cards since the mapped MCCs (5999/5399) might not match specific bonus categories. |
Favepay / Shopback: via FavePay (exception, user verified, risk: medium)¶
User reported that favepay or Shopback QR scans performed on-site can count as online transactions for the UOB KrisFlyer Credit Card, earning bonus miles if the merchant's MCC is eligible.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Favepay / Shopback |
| Card | UOB KrisFlyer Credit Card |
| Route | FavePay |
| Programme | KrisFlyer |
| Programme type | airline |
| Points currency | KrisFlyer miles |
| Devaluation risk | low |
| Last verified | 2024-11-04 |
| Last seen | 2024-11-04T14:14:10+00:00 |
| Observed result | Favepay / shopback QR scan on-site can still count as online with naked UOB KFCC, provided MCC falls into bonus category for online shopping |
| Public/official layer | UOB KrisFlyer Credit Card online shopping bonus applies to online transactions. |
| Caveat | The underlying merchant's MCC must fall into the bonus category for online shopping. |
Disneyworld resort food court restaurants: MCC 3780, 7996 (exception, user verified, risk: medium)¶
User reported that payments at Disneyworld resort food court restaurants code as MCC 3780 (Hotel/Travel) when using contactless payment, but code as MCC 7996 (Amusement Parks/Entertainment) when using chip insertion.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Disneyworld resort food court restaurants |
| Card | UOB Lady's Card |
| MCC | 3780, 7996 |
| Devaluation risk | low |
| Last seen | 2024-11-01T01:55:45+00:00 |
| Observed result | Contactless payment resulted in MCC 3780, while chip payment resulted in MCC 7996. |
| Caveat | Observed on UOB Lady's Card; users are advised to test with an empty Amaze wallet first. |
Disneyworld Resorts: MCC 3780, 7996 (exception, user verified, risk: medium)¶
User reported that disneyworld resort food court transactions can code differently based on payment method: contactless payments code as Hotel MCC 3780 (Travel), while chip insertion codes as Amusement Parks MCC 7996 (Entertainment).
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Disneyworld Resorts |
| Card | UOB Lady's Card |
| MCC | 3780, 7996 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T01:55:45+00:00 |
| Observed result | Contactless payment yielded MCC 3780 (Travel) while chip payment yielded MCC 7996 (Entertainment). |
| Caveat | Observed specifically at Disneyworld food courts; users should test with an empty Amaze wallet first to verify the MCC. |
Disneyworld Resort Food Court: MCC 3780, 7996 (exception, user verified, risk: medium)¶
User reported that payments at Disneyworld resort food court restaurants can code under different MCCs depending on the payment method used.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Disneyworld Resort Food Court |
| Card | UOB Lady's Card |
| MCC | 3780, 7996 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-11-01 |
| Last seen | 2024-11-01T01:55:45+00:00 |
| Observed result | Contactless payment resulted in MCC 3780 (Travel), while chip payment resulted in MCC 7996 (Entertainment). |
| Caveat | Using contactless payment codes as Hotel MCC 3780 (Travel), while inserting the physical chip codes as Amusement Parks MCC 7996 (Entertainment). |
Singtel via MySingtel App: MCC 5968 (exception, user verified, risk: low)¶
User reported that to earn the 8% cash rebate on Singtel bills with the Maybank Family & Friends card, pay manually via the MySingtel app instead of using recurring payments via Amaze (which codes as MCC 5968 and is excluded).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Maybank Family & Friends |
| Route | MySingtel App |
| MCC | 5968 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 8% cashback |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T10:55:46+00:00 |
| Observed result | Amaze recurring codes as MCC 5968 (non-eligible), while manual payment via MySingtel app codes as eligible telco spend. |
| Public/official layer | Data communication and telecommunications category qualifies for 8% cash rebate. |
| Caveat | Recurring payments via Amaze code as MCC 5968 and do not qualify for the data communication category. |
Parks Canada / Banff & Lake Louise Tourism: MCC 8398, 9399 (exception, user verified, risk: low)¶
User reported that purchasing a Parks Canada Discovery Pass via the official Parks Canada website codes as MCC 9399 (Government Services), whereas purchasing it via the Banff & Lake Louise Tourism website codes as MCC 8398 (Charitable and Social Service Organisations).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Parks Canada / Banff & Lake Louise Tourism |
| MCC | 9399, 8398 |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T02:50:28+00:00 |
| Observed result | Parks Canada website codes as MCC 9399; Banff & Lake Louise Tourism website codes as MCC 8398. |
| Caveat | Buying via the tourism website allows avoiding the government services MCC exclusion on many credit cards. |
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 |
HealthHub via HealthHub online portal: MCC 8062 (exception, user verified, risk: medium)¶
User reported that online medical bill payments via HealthHub earn rewards on DBS WWMC and Citi Rewards, but do not qualify for rewards on UOB Signature or UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | HealthHub |
| Card | Citi Rewards |
| Route | HealthHub online portal |
| MCC | 8062 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:21:56+00:00 |
| Observed result | Citi Rewards and DBS WWMC successfully earn rewards for HealthHub, while UOB Signature and UOB PPV do not. |
| Public/official layer | Citi Rewards excludes hospital MCCs (e.g., 8062). |
| Caveat | Citi Rewards officially excludes hospitals, but online processing via HealthHub is reported to work. |
Suica via Apple Pay/Google Pay: MCC 4112 (exception, user verified, risk: medium)¶
User reported that dBS Woman's World Mastercard (WWMC) transactions for Suica top-ups (MCC 4112) are frequently blocked by default, but the restriction can be temporarily lifted by calling DBS customer service.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | DBS Woman's World Card |
| Route | Apple Pay/Google Pay |
| MCC | 4112 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:17:26+00:00 |
| Observed result | DBS blocks the transaction until the user calls in to temporarily lift the restriction. |
| Public/official layer | Transactions should go through if security parameters are met. |
| Caveat | Requires calling the bank to manually and temporarily lift the security block. |
HealthHub via HealthHub: MCC 8062 (exception, user verified, risk: low)¶
User reported that dBS Woman's World Mastercard and Citi Rewards Card earn rewards for online medical bill payments via HealthHub, whereas UOB Signature and UOB Preferred Platinum Visa do not.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HealthHub |
| Card | DBS Woman's World Mastercard |
| Route | HealthHub |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:21:56+00:00 |
| Observed result | DBS WWMC and Citi Rewards earn points, UOB Signature and PPV do not |
| Caveat | UOB Signature and UOB PPV do not work for this route |
The Lake Suite Ko No Sumika: MCC 7011 (exception, user verified, risk: low)¶
User reported that physical payment at checkout at The Lake Suite Ko No Sumika codes as MCC 7011 (Lodging), whereas its online payment link codes as MCC 5964.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | The Lake Suite Ko No Sumika |
| Card | UOB Visa Signature |
| MCC | 7011 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T00:49:41+00:00 |
| Observed result | Physical checkout coded as MCC 7011; online link coded as MCC 5964 |
| Caveat | Online payment link codes as MCC 5964 (Direct Marketing) |
Sydney Trains / Transit via Amaze: MCC 4111 (exception, user verified, risk: low)¶
User reported that citi Rewards Mastercard (CRMC) cannot be used for transit rides (such as Sydney trains), even when paired with Amaze.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Sydney Trains / Transit |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 4111 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T02:36:47+00:00 |
| Observed result | Transaction fails / card not supported for transit. |
| Caveat | Fails when tapped directly or via Amaze for transit. |
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 |
Singtel via Amaze: MCC 5968 (exception, user verified, risk: medium)¶
User reported that recurring Singtel bill payments made via Amaze code as MCC 5968 (Direct Marketing) instead of telecom, failing to trigger the 8% cashback on the Maybank Family & Friends Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Maybank Family & Friends |
| Route | Amaze |
| MCC | 5968 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 8% |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T15:04:16+00:00 |
| Observed result | Recurring payment via Amaze coded as MCC 5968 and did not qualify for the 8% cashback. |
| Public/official layer | Maybank Family & Friends requires specific telecom MCCs for the 8% cashback category. |
| Caveat | Users should pay manually via the Singtel app instead of setting up recurring payments to ensure correct MCC coding. |
7-Eleven, FamilyMart, Lawson, New Days: MCC 5499 (exception, user verified, risk: low)¶
User reported that trust Cashback Card earns 15% cashback at major Japanese convenience stores (7-Eleven, FamilyMart, Lawson) which reliably code as MCC 5499, but New Days stores in JR stations are unpredictable and may not code as 5499.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | 7-Eleven, FamilyMart, Lawson, New Days |
| Card | Trust Cashback Card |
| MCC | 5499 |
| Programme | Trust Bank |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Miles / points | 15% cashback |
| Devaluation risk | low |
| Last seen | 2024-10-29T10:57:49+00:00 |
| Observed result | 7-Eleven, FamilyMart, and Lawson reliably code as 5499; New Days sometimes does not |
| Caveat | New Days outlets in JR buildings are an exception and may not code as 5499 |
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) |
Cedele / Paris Baguette / Polar via Kris+: MCC 5814 (exception, user verified, risk: medium)¶
User reported that kris+ transactions at bakeries like Cedele, Paris Baguette, and Polar often code as MCC 5814 (Fast Food) instead of MCC 5812 (Dining), making them ineligible for HSBC Revolution bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Cedele / Paris Baguette / Polar |
| Card | HSBC Revolution |
| Route | Kris+ |
| MCC | 5814 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T02:46:54+00:00 |
| Observed result | Kris+ transactions at Cedele and other bakeries coded as 5814 and did not receive bonus points. |
| Public/official layer | HSBC Revolution earns bonus points on MCC 5812 but excludes MCC 5814. |
| Caveat | Avoid using HSBC Revolution for Kris+ dining if unsure of the exact MCC, as MCC 5814 is excluded from the HSBC Revolution bonus whitelist. |
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 |
Medical clinics: via Amaze (exception, user verified, risk: low)¶
User reported that amaze paired with Citi Rewards Mastercard can earn 4 mpd on medical, dental, or ophthalmology clinic transactions, provided the merchant's MCC is not classified as a hospital.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Medical clinics |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | not hospital |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T23:14:07+00:00 |
| Observed result | 4 mpd awarded on non-hospital medical MCCs |
| Caveat | Hospital MCCs are excluded from earning bonus points |
Gain City: MCC 5732 (exception, user verified, risk: low)¶
User reported that gain City allows customers to make split payments online via custom payment links sent by staff, enabling users to break down large transactions to fit within monthly credit card rewards caps.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gain City |
| Card | Citi Rewards Card |
| MCC | 5732 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 10x points |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T00:58:00+00:00 |
| Observed result | Staff can generate multiple online payment links for a single invoice to spread payments across statement months. |
| Caveat | Requires coordinating with Gain City staff to generate and send the online payment links. |
Japan pharmacies, cosmetics, and railway station shops: via Suica (exception, user verified, risk: low)¶
User reported that topping up Suica or Pasmo with 4-5 mpd cards is a reliable way to pay at Japanese merchants with unpredictable MCCs (such as pharmacies, cosmetic shops, and railway station-owned buildings) to guarantee high miles earning.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Japan pharmacies, cosmetics, and railway station shops |
| Route | Suica |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4-5 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T02:00:30+00:00 |
| Observed result | Bypasses unpredictable credit card MCCs at Japanese merchants |
| Caveat | Suica has a maximum holding limit of 20,000 JPY (~200 SGD) |
GrabMart: MCC 5814 (exception, user verified, risk: low)¶
User reported that grabMart orders (such as ordering from Don Don Donki via GrabMart) code as MCC 5814 (Fast Food Restaurants) instead of the merchant's native MCC (such as MCC 5411 for grocery).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | GrabMart |
| MCC | 5814 |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T05:00:11+00:00 |
| Observed result | Coded as MCC 5814 instead of MCC 5411 |
| Caveat | Observed for Don Don Donki orders via GrabMart; other merchants on GrabMart may also code under food/delivery MCCs. |
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. |
Small shops in Osaka & Kyoto: MCC 7299 (exception, user verified, risk: low)¶
User reported that many smaller shops in Osaka and Kyoto using small black contactless readers linked to an iPad app code under MCC 7299.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Small shops in Osaka & Kyoto |
| MCC | 7299 |
| Award route / region | Japan |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T06:51:54+00:00 |
| Observed result | Transactions coded as MCC 7299 |
| Caveat | Applies to merchants using iPad-linked contactless readers |
ShopBack Vouchers via Amaze: MCC 7299 (exception, user verified, risk: medium)¶
User reported that shopBack voucher MCCs can vary wildly. A declined transaction (e.g. using Amaze lock card method) may show MCC 7299, but the actual successful transaction can post under a different merchant-specific MCC, such as MCC 5311 for Uniqlo vouchers.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | ShopBack Vouchers |
| Card | Amaze |
| Route | Amaze |
| MCC | 7299 |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T15:38:57+00:00 |
| Observed result | Amaze lock method showed MCC 7299 on decline, but successful purchase posted as MCC 5311 |
| Caveat | Declined transaction MCC and successful transaction MCC can differ on ShopBack |
ShopBack via Amaze: MCC 5311 (exception, user verified, risk: medium)¶
User reported that shopBack voucher purchases can exhibit unpredictable MCCs, where a blocked or declined transaction may show a different MCC (such as 7299) compared to the actual successful transaction (such as 5311 for a Uniqlo voucher).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | ShopBack |
| Route | Amaze |
| MCC | 5311 |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T15:38:57+00:00 |
| Observed result | Declined transaction showed 7299, but successful payment posted as 5311 |
| Caveat | Declined transactions may show MCC 7299, but successful ones can post under merchant-specific MCCs like 5311 |
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. |
Giant / Cold Storage / CS Fresh: MCC 5411 (exception, user verified, risk: medium)¶
User reported that purchasing gift cards and vouchers at DFI retail stores (Giant, Cold Storage, CS Fresh) using the DBS yuu Card still awards the bonus 10 mpd (18% cash rebate) despite official T&C exclusions.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Giant / Cold Storage / CS Fresh |
| Card | DBS yuu Card |
| MCC | 5411 |
| Programme | yuu |
| Programme type | bank_transfer |
| Points currency | yuu Points |
| Transfer partner | KrisFlyer |
| Transfer ratio | 3.6 yuu Points -> 1 KrisFlyer Mile |
| Miles / points | 10 mpd |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-10-19 |
| Last seen | 2024-10-19T10:30:26+00:00 |
| Observed result | DBS yuu card-side bonus points have consistently posted for voucher purchases at DFI outlets |
| Public/official layer | Gift cards and vouchers are officially excluded from earning points under DBS yuu T&Cs |
| Caveat | The yuu app itself will not award points for voucher purchases, but the DBS yuu card-side bonus points still post |
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. |
Bottega Veneta: MCC 5651 (exception, user verified, risk: low)¶
User reported that oCBC Titanium Rewards card earns 10x points (4 mpd) on overseas luxury fashion purchases, but manual disputes may be required if the merchant is not automatically recognized.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Bottega Veneta |
| Card | OCBC Titanium Rewards |
| MCC | 5651 |
| Programme | OCBC$ |
| Programme type | bank_transfer |
| Points currency | OCBC$ |
| Transfer partner | Singapore Airlines KrisFlyer |
| Miles / points | 10x points |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T15:46:31+00:00 |
| Observed result | Points for Bottega Veneta Milan did not post automatically but were successfully credited after raising a dispute with CSO. |
| Public/official layer | Earns 10x OCBC$ on eligible clothes, shoes, and department store spend. |
| Caveat | Keep your physical receipts as proof to raise a dispute with customer service if the 10x points do not post automatically. |
CardUp via CardUp: MCC 6513 (exception, user verified, risk: medium)¶
User reported that cardUp payments are not affected by Citibank's exclusion categories, whereas iPaymy codes under MCC 6513 and is excluded from earning points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Citi credit cards |
| Route | CardUp |
| MCC | 6513 |
| Devaluation risk | medium |
| Last verified | 2018-08-08 |
| Last seen | 2018-08-08T14:55:34+00:00 |
| Observed result | CardUp confirmed unaffected by Citi exclusions; iPaymy excluded under MCC 6513 |
| Caveat | Based on August 2018 policy updates; CardUp does not earn 10x on rewards cards but still earns base miles. |
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 |
7-Eleven via Apple Pay: MCC 5411 (exception, risk: medium)¶
User reported that to utilize Apple Pay promotions for Qoo10 purchases, users can buy Qoo10 gift cards at 7-Eleven stores using Apple Pay.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | 7-Eleven |
| Route | Apple Pay |
| MCC | 5411 |
| Devaluation risk | low |
| Last verified | 2018-05-31 |
| Last seen | 2018-05-31T15:12:47+00:00 |
| Observed result | Suggested as a workaround to trigger Apple Pay promos for Qoo10 spend |
| Caveat | Subject to 7-Eleven store POS allowing gift card purchases with mobile contactless payments |