Merchant MCC Guide

Gopay-Gojek MCC & rewards

Community contributed on 14 Oct 2026

Reported MCC 4121 · Taxicabs and Limousines

Singapore · Online
Last updated: 14 Oct 2026

Gopay-Gojek

Online storefront · Singapore

MCC 4121 · Merchant app

Officially verified · Merchant app

Verified MCC 4121 for Merchant app.

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)
  • Citibank Rewards MasterCard4 MPD

    MCC is not excluded from the bonus blacklist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to online transactions only
    • Excluded MCCs: Travel-related MCCs (3000–3999 range) are excluded
    Editorial review (reviewed 2026-08-23)
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What is Gopay-Gojek's MCC Code?

Gopay-Gojek uses MCC 4121 (Taxicabs and Limousines). This Merchant Category Code is used by credit card networks to classify transactions at Gopay-Gojek.

When you use your credit card at Gopay-Gojek, the transaction is tagged with MCC 4121. 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 Gopay-Gojek

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

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 Transport 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 Transport 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 Gopay-Gojek:

✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Maybank XL Rewards

Tips for Maximizing Rewards at Gopay-Gojek

  • Use the card with the highest bonus rate for MCC 4121
  • 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 Resources

Best cards for Gopay-GojekView MCC 4121 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Gopay-Gojek use?

Gopay-Gojek uses MCC 4121 (Taxicabs and Limousines). This code classifies the merchant as a taxicabs and limousines business.

Which credit cards earn rewards at Gopay-Gojek?

8 credit cards earn bonus rewards at Gopay-Gojek: HSBC Revolution, Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, UOB KrisFlyer, HSBC TravelOne.

What should I check before choosing a card for Gopay-Gojek?

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 Gopay-Gojek's MCC code?

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

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