What is MCC 5499?
MCC 5499 is the Merchant Category Code for Miscellaneous Food Stores. This four-digit code is used by credit card networks to classify businesses that sell miscellaneous food stores.
MCC 5499 is Miscellaneous Food Stores — Convenience Stores and Specialty Markets. It covers food retailers that are not full supermarkets, such as convenience shops, bakeries and specialty-food stores.
Singapore context
MCC 5411 is the full-supermarket code; MCC 5499 is the convenience and specialty-food distinction that can change rewards. A card offering a supermarket bonus may exclude 5499, so verify the outlet rather than relying on the merchant name.
When you use your credit card at a merchant classified under MCC 5499, 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 5499
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 Dining category
UOB Lady's Solitaire
4 MPDEligible under Dining category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5499:
Tips for Maximizing Rewards on MCC 5499
- 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 5499 — and what doesn’t
Usually 5499: convenience stores such as 7-Eleven or Cheers-type formats, specialty food shops, retail bakeries and candy or snack stores. Usually not 5499: full supermarkets (5411), restaurants and fast food (5812/5814), petrol kiosks or a mini-mart inside a department store that posts under the parent retailer.
Frequently Asked Questions
What is MCC 5499?
MCC 5499 is the Merchant Category Code for Miscellaneous Food Stores. Card networks assign it to miscellaneous food stores transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 5499?
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.
Does MCC 5499 count as groceries for card rewards?
It depends on the card. Supermarket bonuses often restrict eligibility to MCC 5411, while some food or grocery cards include 5499. Check the card terms and the transaction MCC.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 5499: