Maybank World Mastercard Bonus MCC Categories
The Maybank World Mastercard 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. Foreign Currency (tiered) — 2.8-3.2 MPD
All foreign-currency transactions earn 8X (3.2 MPD) with S$4,000/mo retail spend or 7X (2.8 MPD) with S$800/mo. Miss the S$800 floor and ALL foreign spend drops to 0.4 MPD.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency (tiered) | All | Overseas retailers, Overseas dining, Travel spend |
2. 10X TREATS Merchants — 4 MPD
Merchant-name-based bonus (list at maybank.sg/wmc): all SG petrol stations, golf and dining boutiques. In-store only, not stackable with the FCY tiers.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| 10X TREATS Merchants | All | Shell, Caltex, Esso, SPC, Petrol stations |
Tips to Maximize Maybank World Mastercard Rewards
- Local spend always earns just 0.4 MPD — this is a foreign-spend and petrol card
- Retail transactions after the 6th of the month count toward NEXT month's tier
- Min-spend counts retail only: insurance, government, AXS/SAM and NETS don't count
- Auto-enrolled in Rewards Infinite: points never expire while qualified; income S$80,000
Frequently Asked Questions
Which MCCs are excluded from Maybank World Mastercard?
Per the World Mastercard promo T&C + general TREATS T&C clause 2.2: 6012, 6051, 6540 (promo) plus 4829, 4900, 5960, 6010, 6011, 6050, 6211, 6300, 6381, 6399, 6529, 6530, 6534, 6543, 7349, 7511, 7523, 7995, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405 — plus wallet terms (EZ-Link, PAYPAL, RAZERPAY, SINGTEL DASH, SIMPLYGO, OANDA, YOUTRIP).
What happens if I miss the S$800 minimum spend?
ALL foreign-currency spending drops from 2.8-3.2 MPD to the base 0.4 MPD. The 10X merchant bonus is unaffected (it has no min spend).
Do Maybank TREATS points expire?
Not while you stay enrolled in Rewards Infinite (auto-enrolled on this card). Otherwise TREATS points expire after 1 year.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.