What is MCC 5814?
MCC 5814 is the Merchant Category Code for Fast Food Restaurants. This four-digit code is used by credit card networks to classify businesses that sell fast food restaurants.
MCC 5814 is Fast Food Restaurants: quick-service, counter-service and fast-casual eateries. It is distinct from the broader full-service restaurant code MCC 5812.
Singapore context
Delivery platforms can add a second classification layer. CheckMCC verification reports Grab website checkout as MCC 7399, so a GrabFood order may not post as 5814 even when the underlying restaurant is a fast-food merchant. See the GrabFood, Foodpanda and Deliveroo card guides for the payment-path differences.
When you use your credit card at a merchant classified under MCC 5814, 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 5814
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
Maybank XL Rewards
4 MPDEligible under Dine category
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5814:
Merchants Using MCC 5814
These merchants are classified under MCC 5814 (Fast Food Restaurants):
Tips for Maximizing Rewards on MCC 5814
- 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 5814 — and what doesn’t
Usually 5814: international fast-food chains, local quick-service counters and food-court stalls whose terminal is registered as quick service. Usually not 5814: full-service restaurants (5812), cafes with table service, convenience-store food (often 5499), or an aggregated delivery checkout whose platform MCC differs.
Frequently Asked Questions
What is MCC 5814?
MCC 5814 is the Merchant Category Code for Fast Food Restaurants. Card networks assign it to fast food restaurants transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 5814?
7 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.
Do GrabFood and Foodpanda orders code as MCC 5814?
Not always. Platform checkouts can use the platform MCC; CheckMCC verification reports Grab website checkout as MCC 7399. Verify the transaction path and your card terms.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 5814: