What is MCC 4111?
MCC 4111 is the Merchant Category Code for Local/Suburban Commuter Passenger Transportation. This four-digit code is used by credit card networks to classify businesses that sell local/suburban commuter passenger transportation.
MCC 4111 is the Merchant Category Code for local and suburban commuter passenger transportation by railroad, ferry, and local water transport.
Singapore context
Rail and ferry commuter spend is frequent, low-ticket transport spending in Singapore, but the operator and payment setup determine the posted code. Verify the specific merchant before assuming a transport bonus applies.
When you use your credit card at a merchant classified under MCC 4111, the transaction is tagged with this code. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Credit Cards That Earn Bonus Rewards on MCC 4111
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
UOB Lady's Card
4 MPDEligible under Transport category
UOB Lady's Solitaire
4 MPDEligible under Transport category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 4111:
Tips for Maximizing Rewards on MCC 4111
- Use the card with the highest bonus rate for this MCC category
- Track monthly caps to avoid missing out on bonus rewards
- Check if online vs offline spending affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different MCCs
What typically codes as MCC 4111 — and what doesn’t
Usually MCC 4111: commuter rail, suburban rail, ferries, and local water transport. Usually not MCC 4111: taxicabs and ride-hailing (often MCC 4121), airlines (MCC 4511), buses or other operators using a separate transit classification, and wallet top-ups that do not pass through the transport operator.
Frequently Asked Questions
What is MCC 4111?
MCC 4111 is the Merchant Category Code for Local/Suburban Commuter Passenger Transportation. Card networks assign it to local/suburban commuter passenger transportation transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 4111?
4 cards earn the top bonus rate on this code — see the ranked cards above, including monthly caps and conditions.
Why didn’t my transaction earn the bonus category?
The transaction posts under the MCC the acquirer registered, which can differ from what you expect — marketplaces, payment wallets, app stores and booking platforms often re-code purchases. Verify the MCC before large purchases.
What is the difference between MCC 4111 and MCC 4121?
MCC 4111 covers scheduled commuter rail, ferry, and local water transport. MCC 4121 covers taxicabs and limousines; ride-hailing checkouts may use a platform code instead. Card rules can treat the two codes differently.
Does Singapore MRT or bus spending earn bonus miles?
It depends on the operator and payment path. A transport transaction may post under MCC 4111 or another transit code, so verify the posted MCC and then check your card’s caps and exclusions.
How can I verify a commuter transport MCC?
Check the merchant or operator in the Singapore MCC lookup and compare it with the code shown on your card statement. The exact payment path is more reliable than the merchant name alone.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 4111: