Understanding Grab MCC Codes
Grab is Singapore's dominant ride-hailing and food delivery platform. Grab transactions can code under multiple MCCs: rides as MCC 4121 (Taxicabs), GrabFood as MCC 5812/5814 (Dining), and GrabPay as MCC 7399 (Business Services). Each MCC type qualifies for different card bonuses.
Grab MCC Codes
| Platform | MCC Code | Category |
|---|---|---|
| Grab | 4121 | Taxicabs / Restaurants / Fast Food |
| Grab | 5812 | Taxicabs / Restaurants / Fast Food |
| Grab | 5814 | Taxicabs / Restaurants / Fast Food |
Best Credit Cards for Grab
1. HSBC Revolution
Rewards Rate: 4 MPD
Eligible: Included in whitelist
Spend Cap: Cap at $1,500 a month
View all cards for MCC 41212. Citibank Rewards MasterCard
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Cap at $1,000 a month
Conditions: Online spend only - excludes travel-related MCCs (3000-3999 range)
View all cards for MCC 41213. Woman's World MasterCard
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Cap at $1,000 a month
Conditions: Online spend only
View all cards for MCC 41214. UOB Visa Signature
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Conditions: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
View all cards for MCC 41215. UOB Lady's Card
Rewards Rate: 4 MPD
Eligible: Eligible under Transport category
Spend Cap: Cap at $1,000 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 41216. UOB Lady's Solitaire
Rewards Rate: 4 MPD
Eligible: Eligible under Transport category
Spend Cap: Cap at $750 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 41217. UOB KrisFlyer
Rewards Rate: 2.4 MPD
Eligible: Eligible under Transport category
Spend Cap: Uncapped bonus
Conditions: Min S$1,000 annual spend on SIA Group required to unlock Accelerated Miles. Categories: Dining & Food Delivery, Online Shopping, Transport, and Online Travel (selected merchants).
View all cards for MCC 4121Cards That Do NOT Earn Bonuses on Grab
- OCBC Rewards — Not in whitelist
- UOB Preferred Platinum Visa — Not in whitelist
Tips to Maximize Grab Rewards
- For Grab rides, use UOB Visa Signature via contactless for 4 MPD
- For GrabFood, use HSBC Revolution or OCBC Rewards for 4 MPD dining bonus
- Avoid GrabPay wallet top-ups — they code as MCC 7399 and rarely earn bonuses
- Pay directly in the Grab app with your card instead of GrabPay balance
Frequently Asked Questions
What MCC code does Grab use?
Grab uses different MCCs depending on the service: rides are MCC 4121 (Taxicabs), GrabFood is MCC 5812/5814 (Dining), and GrabPay is MCC 7399 (Business Services).
Does Grab earn online shopping rewards?
Usually no. Grab transactions typically don't count as "online shopping" even in the app. Use dining or transport-specific bonus cards instead.
Last Updated: April 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.