Merchant MCC Guide

Citibank MCC & rewards

Reported MCC 6012 · Financial Institutions - Merchandise and Services

· In-store

Citibank

On-site merchant · SG

MCC 6012 · In-store terminal

Officially verified · In-store terminal

Verified MCC 6012 for In-store terminal.

Processing can still vary by channel or card network for some merchants, which may change the MCC.

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No catalogued card currently earns a bonus rate on this MCC.

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What is Citibank's MCC Code?

Citibank uses MCC 6012 (Financial Institutions - Merchandise and Services). This Merchant Category Code is used by credit card networks to classify transactions at Citibank.

When you use your credit card at Citibank, the transaction is tagged with MCC 6012. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.

Best Credit Cards for Citibank

No bonus cards found for Citibank (MCC 6012). Most cards will earn base rewards (1 MPD) on this category.

Tips for Maximizing Rewards at Citibank

  • Use the card with the highest bonus rate for MCC 6012
  • Track monthly caps to avoid missing out on bonus rewards
  • Check if contactless vs inserted card affects your rewards rate
  • Verify the MCC before making large purchases to ensure bonus eligibility
  • Consider having multiple cards to maximize rewards across different spending categories

Related Merchants

These merchants use the same MCC code (6012) as Citibank:

Airwallex
• online
American Express
• offline
Bank Of China
• offline
Citibank Atm
• offline
Coinhako.Com
• online
Dbs
• offline
Hsbc
• offline
Pay Later Instalment Pl
• offline
Posb
• offline
Revolut
• online

Related Resources

Best cards for CitibankView MCC 6012 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Citibank use?

Citibank uses MCC 6012 (Financial Institutions - Merchandise and Services). This code classifies the merchant as a financial institutions - merchandise and services business.

Which credit cards earn rewards at Citibank?

Most credit cards earn base rewards (1 MPD) at Citibank. Check our MCC lookup tool to find cards with bonuses.

What should I check before choosing a card for Citibank?

Compare the reward rate, monthly caps, minimum spend and payment-mode conditions. The issuer's terms determine the final reward for a transaction.

How do I verify Citibank's MCC code?

Use CheckMCC's merchant lookup tool to verify Citibank's MCC code before making large purchases. MCC codes can change, so it's always good to double-check.

🔍 Look Up Any Merchant's MCC Code

Not sure if a merchant uses MCC 6012? Search by merchant name to verify their code and find eligible bonus cards.

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