What is MCC 4511?
MCC 4511 is the Merchant Category Code for Airlines, Air Carriers (not elsewhere classified). This four-digit code is used by credit card networks to classify businesses that sell airlines, air carriers (not elsewhere classified).
MCC 4511 is the Merchant Category Code for Airlines and Air Carriers. Direct airline tickets and airline-billed add-ons may post under this code.
Singapore context
The booking channel matters in Singapore: a direct airline charge may post as MCC 4511, while an online travel agency or travel agent generally posts under its own travel-agency code. Check the final merchant on the statement before relying on an airline bonus.
When you use your credit card at a merchant classified under MCC 4511, 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 4511
HSBC Revolution
4 MPDIncluded in whitelist
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
UOB Lady's Card
4 MPDEligible under Travel category
UOB Lady's Solitaire
4 MPDEligible under Travel category
Maybank XL Rewards
4 MPDEligible under Travel category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 4511:
Tips for Maximizing Rewards on MCC 4511
- 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 4511 — and what doesn’t
Usually MCC 4511: direct airline ticket purchases and airline-billed ancillaries. Usually not MCC 4511: travel-agency or OTA bookings, hotel charges, airport parking, in-flight purchases billed by another provider, or other travel transactions assigned to a specialised code. Some online-card rules also exclude travel MCCs in the 3000–3999 range.
Frequently Asked Questions
What is MCC 4511?
MCC 4511 is the Merchant Category Code for Airlines, Air Carriers (not elsewhere classified). Card networks assign it to airlines, air carriers (not elsewhere classified) transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 4511?
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.
What is MCC 4511 in Singapore?
It is the airline and air-carrier merchant category code used in Singapore and other markets. Singapore issuers apply their own reward rules, caps, and exclusions to the code.
Do travel-agency or OTA flights use MCC 4511?
Usually not. A travel agency or OTA generally bills under its own merchant category, so the same flight can earn differently depending on whether the airline or an intermediary appears on the statement.
Does MCC 4511 earn air miles?
Some Singapore cards include MCC 4511 in their bonus rules, subject to spend type, caps, and exclusions. Use the live card table for the current eligibility and rate rather than assuming every airline transaction qualifies.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 4511: