Merchant MCC Guide

Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena MCC & rewards

Community contributed on 4 Oct 2026

Reported MCC 3501 · Hotels, Motels, Resorts

Singapore · In-store
Last updated: 4 Oct 2026

Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena (201 balestier road Holiday Inn Express & Suites, 201 Balestier Rd, Lobby Level, Singapore 329926)

On-site merchant · Singapore

MCC 3501 · In-store terminal

Officially verified · In-store terminal

Verified MCC 3501 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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Cards that may earn bonus rewards

General comparison — no shortlist or Wallet in use.

  • DBS yuu CardUp to 10 MPD / 18% at participating yuu merchants

    MCC is not excluded from the bonus blacklist

    • Merchant-list rule: Bonus tied to named participating yuu merchants, not MCCs. Must scan/link yuu ID AND pay with card. Merchants (T&C Appendix 1, 7 Aug 2026): Cold Storage/CS Fresh/Jasons Deli, Giant/Hypermart/Express, Guardian, 7-Eleven, foodpanda (delivery/pickup/shops/pandamart), Gojek, SimplyGo (rides only, no top-ups), Charge+, Singtel Shop/Exclusive Retailers, CHAGEE (app orders only). Per-merchant exclusions apply (e.g. Changi Airport 7-Eleven/Guardian stores, Cold Storage On The Go = base only, foodpanda PayPal-tagged/dine-in/pandago/corporate excluded)
    • Top-tier unlock: 10 MPD/18% tier needs S$800 min spend AND ≥4 distinct participating merchants per calendar month, else 2.8 MPD/5%
    • Monthly cap: 28,800 bonus yuu Points/month (≈S$822.86 spend; S$144 cash or 8,000 miles)
    Editorial review (reviewed 2026-10-18)
  • The American Express Platinum Charge Card5.0 MPD at 10Xcelerator partners enrolled, first S$16,000 partner spend/yr (20 MR per S$1.60)

    MCC is not excluded from the bonus blacklist

    • Merchant-list bonus: 10Xcelerator is a named-partner list (not MCC); requires annual enrolment (go.amex/bonusmrenrolment-plat), direct partner payment only (Kris+/PayPal excluded); above the S$16,000 partner-spend cap earns 10 MR/S$1.60 (~2.5 MPD). SIA/Scoot direct flights earn 5 MR/S$1.60 (1.25 MPD)
    • Annual fee: S$1,744 charge card, non-waivable. Category exclusions per amex-sg-exclusions.pdf; education exclusion does NOT apply to The Platinum Card
    Editorial review (reviewed 2026-10-18)
  • DCS Imperium World Elite Card4 MPD overseas FCY (6X + 4X) with S$4,000/mo foreign spend

    MCC is not excluded from the bonus blacklist

    • Overseas threshold: 4 MPD requires S$4,000/mo FOREIGN-currency spend (else 2.4 MPD overseas); local earns 1.6 MPD. DCC transactions excluded
    • Invite-only: Invite/waitlist acquisition; S$1,294.92 annual fee non-waivable (comes with 40,000-mile gift); lifetime cap 2,000,000 Imperium Points (~800,000 miles)
    Editorial review (reviewed 2026-10-18)
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What is Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena's MCC Code?

Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena uses MCC 3501 (Hotels, Motels, Resorts). This Merchant Category Code is used by credit card networks to classify transactions at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena.

When you use your credit card at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena, the transaction is tagged with MCC 3501. 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 Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Not excluded

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200

UOB Lady's Card

4 MPD

Eligible under Travel category

Cap: Cap at $1,000 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

UOB Lady's Solitaire

4 MPD

Eligible under Travel category

Cap: Cap at $750 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena:

✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗UOB KrisFlyer
✗Maybank XL Rewards

Tips for Maximizing Rewards at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena

  • Use the card with the highest bonus rate for MCC 3501
  • 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 (3501) as Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena:

Holiday Inns
• offline

Related Resources

Best cards for Express Cafe & Bar @ Holiday Inn Express & Suites Singapore NovenaView MCC 3501 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena use?

Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena uses MCC 3501 (Hotels, Motels, Resorts). This code classifies the merchant as a hotels, motels, resorts business.

Which credit cards earn rewards at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena?

6 credit cards earn bonus rewards at Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena: HSBC Revolution, Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, HSBC TravelOne.

What should I check before choosing a card for Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena?

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 Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena's MCC code?

Use CheckMCC's merchant lookup tool to verify Express Cafe & Bar @ Holiday Inn Express & Suites Singapore Novena's MCC code before making large purchases. MCC codes can change, so it's always good to double-check.

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