What is MCC 5399?
MCC 5399 is the Merchant Category Code for Miscellaneous General Merchandise. This four-digit code is used by credit card networks to classify businesses that sell miscellaneous general merchandise.
MCC 5399 is the Merchant Category Code for Miscellaneous General Merchandise Stores, a catch-all for variety retailers that do not fit a more specific retail code.
Singapore context
The Singapore rewards distinction is between general merchandise, supermarkets (MCC 5411), convenience and specialty food stores (MCC 5499), and department stores (MCC 5311). The same retail brand can post differently by outlet or payment path, so verify the exact transaction.
When you use your credit card at a merchant classified under MCC 5399, 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 5399
HSBC Revolution
4 MPDIncluded in whitelist
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Citibank Rewards MasterCard
4 MPDNot excluded
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
Maybank XL Rewards
4 MPDEligible under Shop category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5399:
Tips for Maximizing Rewards on MCC 5399
- 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 5399 — and what doesn’t
Usually MCC 5399: variety and general-merchandise retailers without a more specific category. Usually not MCC 5399: full-format supermarkets (5411), convenience or specialty food stores (5499), department stores (5311), or an online marketplace whose checkout uses the marketplace or another digital-retail code.
Frequently Asked Questions
What is MCC 5399?
MCC 5399 is the Merchant Category Code for Miscellaneous General Merchandise. Card networks assign it to miscellaneous general merchandise transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 5399?
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.
Is MCC 5399 the same as MCC 5411 groceries?
No. MCC 5411 is for grocery stores and supermarkets, while MCC 5399 is miscellaneous general merchandise. A supermarket-specific reward may not apply when the transaction posts as 5399.
Why did a general-merchandise purchase post as another MCC?
The acquirer classifies the merchant, outlet, and payment path. A mixed-basket retailer, department store, supermarket, or marketplace checkout can therefore use a different code than the product you bought suggests.
Which card is best for MCC 5399 in Singapore?
There is no permanent single best card because issuer rules, online conditions, caps, and exclusions change. Check the live MCC 5399 card comparison for current eligibility before paying.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 5399: