DBS yuu Card Bonus MCC Categories
The DBS yuu Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Participating yuu Merchants — Up to 18% / 10 MPD
Bonus tiers are tied to named merchants, NOT MCCs — the full list per T&C Appendix 1 (7 Aug 2026): Cold Storage/CS Fresh/Jasons Deli; Giant/Giant Hypermart/Giant Express; Guardian Health & Beauty; 7-Eleven; foodpanda (delivery, pickup, shops, pandamart); Gojek; SimplyGo (rides only, not top-ups); Charge+; Singtel Shop & Exclusive Retailers; CHAGEE (app orders only). Top tier needs S$800 min spend + 4 distinct merchants per month.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Participating yuu Merchants | All | Cold Storage, Giant, 7-Eleven, foodpanda, Gojek, Guardian, SimplyGo, Charge+, Singtel Shop, CHAGEE |
Tips to Maximize DBS yuu Card Rewards
- MCC matching alone cannot classify bonus eligibility — the rule is merchant-list based, and you must scan/link your yuu ID AND pay with the card
- Top tier: 36x yuu Points = 18% / 10 MPD; below the tier: 5% / 2.8 MPD (still capped)
- Bonus cap is 28,800 yuu Points/month (≈S$822.86 spend)
- yuu Points expire after 90 days if the card is not linked to the yuu App
- Watch per-merchant exclusions: SimplyGo top-ups earn nothing, Cold Storage On The Go earns base only, Changi Airport 7-Eleven/Guardian stores are excluded, foodpanda dine-in/pandago/corporate orders earn nothing
Frequently Asked Questions
Which MCCs are excluded from DBS yuu?
Per the yuu Programme T&C clause 9f: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405 (14 codes added w.e.f. 1 May 2026), plus wallet terms like EZLINK, SHOPEEPAY, SINGTEL DASH.
Which merchants are in the DBS yuu programme?
Per T&C Appendix 1: Cold Storage (incl. CS Fresh, Jasons Deli), Giant (incl. Hypermart, Express), Guardian, 7-Eleven, foodpanda, Gojek, SimplyGo, Charge+, Singtel (Shop & Exclusive Retailers), and CHAGEE (app orders only). Each carries product-level exclusions — e.g. infant formula, tobacco, gift cards, Changi Airport stores, vending machines, PayPal-tagged foodpanda/Gojek rides.
Is DBS yuu a miles card?
It can be. yuu Points convert to KrisFlyer miles in the yuu App at 0.28 miles/point floor (10 MPD top tier), but at that conversion you forgo the 18% cash rebate — treat it as a cashback card unless topping up miles for a redemption.
What is the DBS yuu monthly cap?
28,800 bonus yuu Points per calendar month, equivalent to about S$822.86 of bonus-eligible spend (S$144 cash or 8,000 miles).
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.