Understanding Groceries MCC Codes
Find the best Singapore credit card for groceries by checking how supermarkets, convenience stores and specialty food merchants are classified. MCC 5411 is common for supermarkets, while MCC 5499 can cover convenience stores and other food shops; rewards depend on the code that actually posts.
Groceries MCC Codes
| Platform | MCC Code | Category |
|---|---|---|
| Groceries | 5411 | Grocery Stores, Supermarkets and Miscellaneous Food Stores |
| Groceries | 5499 | Grocery Stores, Supermarkets and Miscellaneous Food Stores |
| Groceries | 5812 | Grocery Stores, Supermarkets and Miscellaneous Food Stores |
Best Credit Cards for Groceries
1. UOB Preferred Platinum Visa
Rewards Rate: 4 MPD
Eligible: Included in whitelist and not excluded
Spend Cap: Cap at $600 a month per spend type
View all cards for MCC 5411 · Calculate UOB Preferred Platinum Visa miles2. 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 5411 · Calculate Citibank Rewards MasterCard miles3. 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 5411 · Calculate Woman's World MasterCard miles4. 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: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
View all cards for MCC 5411 · Calculate UOB Visa Signature miles5. UOB Lady's Card
Rewards Rate: 4 MPD
Eligible: Eligible under Family 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 5411 · Calculate UOB Lady's Card miles6. UOB Lady's Solitaire
Rewards Rate: 4 MPD
Eligible: Eligible under Family 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 5411 · Calculate UOB Lady's Solitaire milesCards That Do NOT Earn Bonuses on Groceries
- HSBC Revolution — Not in whitelist
- OCBC Rewards — Not in whitelist
- UOB KrisFlyer — Not in whitelist
- Maybank XL Rewards — Not in whitelist
Tips to Maximize Groceries Rewards
- Check whether the merchant posts as MCC 5411 or MCC 5499 before a large purchase.
- Review the card's monthly cap and minimum-spend rules before relying on a grocery bonus.
- Pay directly with the card when possible; wallets and marketplace checkout can change the merchant of record.
- Use CheckMCC to verify an unfamiliar supermarket, convenience store or delivery channel.
Frequently Asked Questions
What MCC codes do grocery purchases use in Singapore?
Supermarkets commonly use MCC 5411, while convenience stores and specialty food shops may use MCC 5499. The merchant account and payment channel determine the code that posts.
Does every supermarket earn a grocery bonus?
No. A grocery bonus depends on the posted MCC, the card's terms, monthly caps and exclusions. Verify the code before assuming a purchase qualifies.
Last Updated: September 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.