What is MCC 4121?
MCC 4121 is the Merchant Category Code for Taxicabs and Limousines. This four-digit code is used by credit card networks to classify businesses that sell taxicabs and limousines.
MCC 4121 is Taxicabs and Limousines: fares paid to taxi operators and limousine or chauffeur services. It is not a guarantee that every ride-hailing app checkout will use the taxi code.
Singapore context
CheckMCC verification reports Grab website checkout as MCC 7399, not 4121. GrabPay top-ups, in-app rides and taxi-operator app payments can use different paths, so a card that bonuses 4121 may not bonus every ride-hailing charge.
When you use your credit card at a merchant classified under MCC 4121, 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 4121
HSBC Revolution
4 MPDIncluded in whitelist
Citibank Rewards MasterCard
4 MPDNot excluded
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 4121:
Tips for Maximizing Rewards on MCC 4121
- 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 4121 — and what doesn’t
Usually 4121: taxi fares, app-booked rides billed directly by a taxi operator, limousines and chauffeur services. Usually not 4121: ride-hailing platform checkouts that use 7399, wallet top-ups, rail and bus transit, car rental or parking.
Frequently Asked Questions
What is MCC 4121?
MCC 4121 is the Merchant Category Code for Taxicabs and Limousines. Card networks assign it to taxicabs and limousines transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 4121?
6 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.
Do Grab rides code as MCC 4121?
Often not. CheckMCC verification reports Grab website checkout as MCC 7399; wallet top-ups and in-app payments can differ. Verify the code on the actual transaction.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 4121: