Merchant MCC Guide

Google Ads (Purchases) MCC & rewards

Reported MCC 7399 · Business Services (Not Elsewhere Classified)

· OnlineVisit Google Ads (Purchases) website

Google Ads (Purchases)

Online storefront · SG

MCC 7399 · Website checkout

Officially verified · Website checkout

Verified MCC 7399 for Website checkout.

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 Google Ads (Purchases)'s MCC Code?

Google Ads (Purchases) uses MCC 7399 (Business Services (Not Elsewhere Classified)). This Merchant Category Code is used by credit card networks to classify transactions at Google Ads (Purchases).

When you use your credit card at Google Ads (Purchases), the transaction is tagged with MCC 7399. 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 Google Ads (Purchases)

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

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Google Ads (Purchases):

✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗Woman's World MasterCard
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
✗Maybank XL Rewards
✗HSBC TravelOne

Tips for Maximizing Rewards at Google Ads (Purchases)

  • Use the card with the highest bonus rate for MCC 7399
  • Track monthly caps to avoid missing out on bonus rewards
  • Check if mobile wallet vs direct payment 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 (7399) as Google Ads (Purchases):

Grab
Singapore • online
Air France Klm Miles Purchase
• offline
Alaska Air Miles Purchase
• online
Amazon Web Services
• online
American Club
• offline
August Bespoke
• offline
Avianca Miles Purchase
• online
Cabcharge Asia
• offline
Cardup
• online
Chifa
• offline

Related Resources

Best cards for Google Ads (Purchases)View MCC 7399 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Google Ads (Purchases) use?

Google Ads (Purchases) uses MCC 7399 (Business Services (Not Elsewhere Classified)). This code classifies the merchant as a business services (not elsewhere classified) business.

Which credit cards earn rewards at Google Ads (Purchases)?

1 credit cards earn bonus rewards at Google Ads (Purchases): UOB Visa Signature.

What should I check before choosing a card for Google Ads (Purchases)?

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 Google Ads (Purchases)'s MCC code?

Use CheckMCC's merchant lookup tool to verify Google Ads (Purchases)'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 7399? Search by merchant name to verify their code and find eligible bonus cards.

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