Understanding Travel MCC Codes
Find the best Singapore credit card for travel spending by separating flights, hotels and travel-agency bookings. Airlines often post as MCC 4511, travel agencies as MCC 4722 and hotels as MCC 7011, but the merchant of record and payment route still matter.
Travel MCC Codes
| Platform | MCC Code | Category |
|---|---|---|
| Travel | 4511 | Airlines, Travel Agencies and Hotels |
| Travel | 4722 | Airlines, Travel Agencies and Hotels |
| Travel | 7011 | Airlines, Travel Agencies and Hotels |
Best Credit Cards for Travel
1. HSBC Revolution
Rewards Rate: 4 MPD
Eligible: Included in whitelist
Spend Cap: Cap at $1,000 a month
View all cards for MCC 4511 · Calculate HSBC Revolution miles2. 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 4511 · Calculate Woman's World MasterCard miles3. 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 4511 · Calculate UOB Visa Signature miles4. UOB Lady's Card
Rewards Rate: 4 MPD
Eligible: Eligible under Travel 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 4511 · Calculate UOB Lady's Card miles5. UOB Lady's Solitaire
Rewards Rate: 4 MPD
Eligible: Eligible under Travel 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 4511 · Calculate UOB Lady's Solitaire miles6. Maybank XL Rewards
Rewards Rate: 4 MPD
Eligible: Eligible under Travel category
Spend Cap: Cap at S$1,000 per calendar month across all bonus categories combined
Conditions: Earns 4 MPD on all foreign-currency (FCY) transactions regardless of MCC. Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD). SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.
View all cards for MCC 4511 · Calculate Maybank XL Rewards milesCards That Do NOT Earn Bonuses on Travel
- OCBC Rewards — Not in whitelist
- UOB Preferred Platinum Visa — Not in whitelist
- Citibank Rewards MasterCard — Excluded in blacklist
- UOB KrisFlyer — Not in whitelist
Tips to Maximize Travel Rewards
- Match the card to the transaction type: airline, hotel or travel agency.
- Check whether a booking platform is treated as a travel agency or as an online merchant.
- Review foreign-currency fees, caps and exclusions alongside the headline miles rate.
- Keep the booking confirmation and posted transaction details so you can verify the MCC later.
Frequently Asked Questions
What MCC codes are used for travel?
Airlines commonly use MCC 4511, travel agencies and tour operators use MCC 4722, and hotels use MCC 7011. The final code depends on the merchant account and booking channel.
Is a travel booking platform always treated as travel?
No. Some platforms bill as a travel agency, hotel or another merchant category. Check the posted MCC and your card's exclusions before relying on a travel bonus.
Last Updated: September 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.