What is MCC 7512?
MCC 7512 is the Merchant Category Code for Automobile Rental Agency. This four-digit code is used by credit card networks to classify businesses that sell automobile rental agency.
MCC 7512 is the Merchant Category Code for automobile rental agencies. A rental normally posts under this code when the rental company bills the charge directly.
Singapore context
Direct rental-company billing and OTA billing can produce different rewards outcomes. A car booked through an online travel agency may post under the intermediary’s code, so check the merchant on the statement before relying on a car-rental bonus.
When you use your credit card at a merchant classified under MCC 7512, 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 7512
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
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Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 7512:
Tips for Maximizing Rewards on MCC 7512
- 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 7512 — and what doesn’t
Usually MCC 7512: direct automobile rentals, daily or weekly rental charges, and rental add-ons billed by the rental company. Usually not MCC 7512: car-sharing platforms, ride-hailing, fuel, parking, insurance, or rentals billed by an online travel agency or another intermediary.
Frequently Asked Questions
What is MCC 7512?
MCC 7512 is the Merchant Category Code for Automobile Rental Agency. Card networks assign it to automobile rental agency transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 7512?
2 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 a Singapore card give bonus miles on MCC 7512?
Some Singapore cards include MCC 7512, subject to online or foreign-currency conditions and monthly caps. Check the live card comparison for the current rules.
Why did my car rental not earn bonus miles?
The booking may have been billed by an OTA, the card cap may have been exhausted, or the merchant may have posted under another code. Compare the statement merchant and MCC with the card terms.
Do car-sharing services use MCC 7512?
Not necessarily. Car-sharing and mobility platforms can be classified under different merchant categories, so verify the exact provider and payment path instead of assuming it is a rental-agency transaction.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 7512: