What is MCC 4814?
MCC 4814 is the Merchant Category Code for Telecommunication Services. This four-digit code is used by credit card networks to classify businesses that sell telecommunication services.
MCC 4814 is Telecommunication Services, including local and long-distance phone services and recurring telecom billing. Singapore mobile and internet bills may use 4814 or another telecom code depending on the product and acquirer.
Singapore context
Most Singapore rewards cards exclude telecom and bill payments from bonus categories, while AXS, SAM and bank-transfer payments do not create a card MCC at all. Confirm the code on the actual recurring charge; the same telco can use 4814 for one product and 4899 for another.
When you use your credit card at a merchant classified under MCC 4814, 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 4814
Citibank Rewards MasterCard
4 MPDNot excluded
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 4814:
Tips for Maximizing Rewards on MCC 4814
- 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 4814 — and what doesn’t
Usually 4814: mobile postpaid bills, local or long-distance voice services and recurring telecom billing. Usually not 4814: broadband/TV bundles often classified as 4899, prepaid top-ups sold by a retailer, telco device purchases, or AXS/SAM and bank-transfer payments.
Frequently Asked Questions
What is MCC 4814?
MCC 4814 is the Merchant Category Code for Telecommunication Services. Card networks assign it to telecommunication services transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 4814?
3 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 4814 and 4899?
MCC 4814 covers telecommunication services such as voice and recurring phone billing. MCC 4899 is a miscellaneous telecom category often used for broadband, cable and other services. The telco and product determine the posted code.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 4814: