What is MCC 7997?
MCC 7997 is the Merchant Category Code for Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses. This four-digit code is used by credit card networks to classify businesses that sell membership clubs (sports, recreation, athletic), country clubs, and private golf courses.
MCC 7997 is the Merchant Category Code for membership clubs covering sports, recreation, athletics, country clubs, and private golf courses.
Singapore context
Club bills, private-course fees, and online payments can be treated differently by an issuer even when the merchant category matches. Pay attention to online-only conditions, monthly caps, and whether an independent lesson provider or attraction uses another code.
When you use your credit card at a merchant classified under MCC 7997, 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 7997
HSBC Revolution
4 MPDIncluded in whitelist
Citibank Rewards MasterCard
4 MPDNot excluded
Woman's World MasterCard
4 MPDNot excluded
UOB Visa Signature
4 MPDNot excluded
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 7997:
Tips for Maximizing Rewards on MCC 7997
- 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 7997 — and what doesn’t
Usually MCC 7997: country-club memberships, private golf-course charges, green fees, club facilities, and sports or recreation club dues. Usually not MCC 7997: public attractions, cinemas, independent personal services such as salons, or golf lessons billed by an unaffiliated academy using another merchant category.
Frequently Asked Questions
What is MCC 7997?
MCC 7997 is the Merchant Category Code for Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses. Card networks assign it to membership clubs (sports, recreation, athletic), country clubs, and private golf courses transactions, and your card issuer uses it — not the merchant name — to decide which bonus category applies.
Which credit cards earn rewards on MCC 7997?
4 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.
Which credit card is best for MCC 7997 in Singapore?
The best option depends on whether the club charge is online or offline and whether your card’s monthly cap or selected category applies. Use the live MCC 7997 card table for current eligibility and conditions.
Do golf lessons count under MCC 7997?
They may when billed directly by a private club or course. An independent golf academy can use another code, so verify the provider and posted transaction before relying on the category.
Are country-club membership fees always MCC 7997?
No. The club, acquirer, and payment path determine the final classification. Check the MCC on the statement, especially for dues collected through a third-party payment platform.
Related MCC Codes
Neighbouring categories — check these when a purchase doesn’t post as MCC 7997: