Ya Kun MCC Tracker — Outlet-by-Outlet MCC Codes
Ya Kun Kaya Toast is a Singapore breakfast staple, but the same kaya toast can code as Fast Food (5814), Eating Places (5812), Grocery (5411) or even Bakery (5734) depending on which outlet you visit and how you pay. That single difference decides whether your dining bonus fires. This tracker maps 50+ outlets, payment method by payment method, so you know what to expect before you tap.
Last updated 21 June 2026. Community-sourced, with thanks to @MouseHunter88 for the original outlet reports. MCCs can change — treat this as a strong guide, not a guarantee.
The big picture
The MCC you get is driven by two things: the outlet and the payment method. Contactless tends to settle cleanly as 5814, but Ya Kun app payments are all over the map — the in-app purchase can route through a grocery or bakery merchant category. Check both before you commit a card.
Outlet MCC lookup
Search by outlet name, or filter by MCC to find which outlets code a particular category. Each entry shows the payment method alongside the MCC it produced.
Payment Method Legend
MCC Colour Key
⚡ Quick Patterns
- 5814 — commonly seen on contactless (PayWave) payments
- 5411 / 5812 / 5734 — often seen on app payments
- 5921 — rare oddball so far (Maxwell, app)
Showing 62 of 62 outlets
A
(6)100AM
313 Somerset
AMK Hub
Anchorpoint
Aperia Mall
Artra
B
(3)Bedok Mall
Bugis
Bukit Panjang Plaza
C
(9)Causeway Point
Century Square
Changi T2 Transit
Changi T3 B1
Chinatown Point
City Square Mall
Clarke Quay Central
Clementi Mall
Compass One
F
(3)Far East Square
Funan
Fusionopolis
G–H
(7)Great World
HarbourFront
HDB Hub
Heartland Mall / Kovan
Hillion
Holland V
Hong Leong Building
I–J
(4)IMM
ION Orchard
Jewel
Junction 8
L–M
(4)Lot One
Marina Square
Maxwell
Metropolis
N–O
(4)NEX Serangoon
Ng Teng Fong GH
One Holland Village
One Raffles Place
P–R
(7)Paragon
Parkway
Paya Lebar Square
Plaza Sing
Punggol Oasis Terraces
Raffles City
Rail Mall
S
(4)Seletar Mall
Sun Plaza
Suntec Basement 2
Suntec Level 2
T–W
(11)Takashimaya B2
Tang Plaza B1
Toa Payoh SAFRA
VivoCity B2
VivoCity
Waterway Point
Westgate
West Mall
White Sands
Woodleigh Mall
Woods Square
Reading the MCC patterns
Contactless leans dining
When you tap PayWave at the counter, the vast majority of Ya Kun outlets settle as 5814 (Fast Food). That is the most reliable path to a dining bonus. A handful settle as 5812 (Eating Places), which is still a dining category for most banks.
App payments are the wildcard
The Ya Kun app is where things get unpredictable. The same physical outlet can code 5411 (Grocery), 5812, or 5734 when paid through the app, because the payment is processed through a different merchant setup than the in-store terminal. If your card earns big on dining but nothing on grocery, the app can quietly cost you points.
The Maxwell oddball: 5921
The Maxwell outlet app payment reports as 5921 (Packaged Beer / Package Stores), which is almost certainly a terminal misconfiguration rather than a real category. It is a useful reminder that MCCs are assigned by acquirers and are not always logical — and that community reports catch things the official category would never tell you.
Which card to use at Ya Kun
Because most contactless Ya Kun spend codes 5814 or 5812, dining-category cards are the default pick. The catch is the app: if you pay in-app and it codes 5411, a dining card earns nothing extra. For app payments, lean toward a general rewards card instead.
Citi Rewards Card
Strong on online and in-app spend. A solid fallback when an app payment codes outside the dining category.
DBS Altitude Card
Earns miles on local dining and travel. Works well on the contactless 5814 path at most Ya Kun outlets.
UOB One Card
Flat high cashback once you hit the quarterly spend threshold — useful if Ya Kun is part of a regular daily routine.
Compare all dining cards
See every Singapore card that bonuses on 5814 / 5812 dining spend, side by side.
Card benefits change. Confirm current rates on the issuing bank's page before you apply.
Keep going
MCC data on this page is community-contributed and manually curated. It reflects reports current as of 21 June 2026 and may change as outlets update their terminals or payment processors. Have a fresh report? The tracker is maintained by hand — contributions are credited.