Maybank Horizon Visa Signature Bonus MCC Categories
The Maybank Horizon Visa Signature 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. Air Tickets + Foreign Currency — 2.8 MPD
All FCY transactions and air-ticket purchases earn 7X with S$800/mo retail spend. Air-ticket bonus capped at S$10,000/mo; FCY bonus uncapped.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Air Tickets + Foreign Currency | All | Singapore Airlines, Airlines, Overseas retailers |
2. Local Whitelist Spend — 1.2 MPD
Local groceries, dining/delivery, transport, petrol, retail and travel MCCs earn 3X (1.2 MPD) with no min spend. Plus the full airlines/hotels/travel 3000-3999 MCC range.
Tips to Maximize Maybank Horizon Visa Signature Rewards
- Everything outside the local whitelist earns just 0.4 MPD — the whitelist is broad though (groceries, dining, transport, petrol, retail)
- "Selected Categories" (insurance, medical, education, rentals, CardUp) earn only ~0.16 MPD, capped S$3,000/mo
- Lounge visits need a S$1,000 single receipt
- TREATS points expire after 1 year unless Rewards Infinite qualifies via S$24k/12mo spend (not automatic)
Frequently Asked Questions
Which MCCs earn 1.2 MPD locally on Maybank Horizon?
Per the Horizon benefits T&C: groceries 5411/5441/5462/5499; dining & delivery 5811-5814; transport 4011/4111/4112/4121/4131/4214/4215/4789; petrol 5172/5541/5542/5552 (+8699 via Diamond Sky Fuel Card); retail 4816/5045/5262/5309-5311/5331/5399/5611/5621/5631/5641/5651/5655/5661/5691/5699/5732-5735/5912/5942/5944-5949/5964-5970/5977/5992/5999; travel 3000-3999/7011/4411/4722/4511.
What are the caps on Maybank Horizon?
Air-ticket bonus capped at S$10,000/month (40,000 bonus TREATS Points). The FCY 7X bonus is uncapped. Local 3X has no stated cap.
Is Maybank Horizon good for overseas spend?
Yes — 2.8 MPD uncapped on all FCY with S$800/mo spend, and Maybank's FX fee (2.25% + up to 1% network) is lower than most banks' 3.25%.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.