What is MCC 5411?
MCC 5411 is the Merchant Category Code for Grocery Stores, Supermarkets. This four-digit code is used by credit card networks to classify businesses that sell grocery stores, supermarkets.
When you use your credit card at a merchant classified under MCC 5411, 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 5411
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
UOB Lady's Card
4 MPDEligible under Family category
UOB Lady's Solitaire
4 MPDEligible under Family category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5411:
Merchants Using MCC 5411
These merchants are classified under MCC 5411 (Grocery Stores, Supermarkets):
Tips for Maximizing Rewards on MCC 5411
- 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 5411 — and what doesn’t
Covers grocery stores and supermarkets selling food for off-premise consumption — in Singapore, the NTUC FairPrice, Cold Storage and Sheng Siong type of supermarket typically posts here. It does not cover hawker stalls and food courts (usually MCC 5812, Fast Food Restaurants), convenience-store formats without a grocery classification (often MCC 5499), or restaurants (MCC 5811). Hypermarkets with a grocery section can post under their own department/variety-store code instead, which is why grocery bonuses sometimes miss.
Frequently Asked Questions
What is MCC 5411?
MCC 5411 is the Merchant Category Code for Grocery Stores, Supermarkets. Card networks assign it to grocery stores, supermarkets transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 5411?
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.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 5411: