Understanding Ya Kun's MCC Patterns
Contactless & Card Payments → Mostly 5814
When you tap contactless or swipe a Visa/Mastercard, the vast majority of Ya Kun outlets code as MCC 5814 (Fast Food Restaurants). This is great news — 5814 qualifies as dining on most Singapore rewards cards.
Ya Kun App Payments → Wildly Variable
Paying through the Ya Kun app is where things get unpredictable. The same app payment can code as:
- 5411 (Grocery Stores) — surprisingly common; may trigger grocery bonuses instead of dining
- 5812 (Eating Places) — qualifies as dining on most cards
- 5734 (Bakery) — may or may not trigger dining bonuses depending on the card
The Maxwell Outlier: MCC 5921
The Maxwell outlet codes app/Mastercard payments as 5921 (Packaged Beer, Wine & Liquor) — an oddball that almost certainly won't trigger dining bonuses. If you want dining rewards at Maxwell, pay contactless instead.
Best Singapore Credit Cards for Ya Kun
Since most Ya Kun contactless payments code as 5814 (dining), these dining-focused cards are your best bet:
Choose “Dining” as your bonus category for elevated rewards on MCC 5812/5814.
Earns miles on dining; pair with contactless pay for consistent 5814 coding.
Bonus on dining and online — useful if your Ya Kun app payment codes as 5812.
Bonus rates on contactless and online dining payments.
⚠️ App payment warning: If your outlet's app payment codes as 5411 (Grocery), a grocery bonus card may outperform a dining card. Always check the table above before choosing your card.