Merchant MCC Guide

Kobo Us MCC & rewards

Reported MCC 5815 · Digital Goods: Books, Movies, Music

· OnlineVisit Kobo Us website

Kobo Us

Online storefront · SG

MCC 5815 · Website checkout

Officially verified · Website checkout

Verified MCC 5815 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)
  • 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 Kobo Us's MCC Code?

Kobo Us uses MCC 5815 (Digital Goods: Books, Movies, Music). This Merchant Category Code is used by credit card networks to classify transactions at Kobo Us.

When you use your credit card at Kobo Us, the transaction is tagged with MCC 5815. 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 Kobo Us

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

Maybank XL Rewards

4 MPD

Eligible under Play category

Cap: Cap at S$1,000 per calendar month across all bonus categories combined
Note: Earns 4 MPD on all foreign-currency (FCY) transactions regardless of MCC. Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD). SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Kobo Us:

✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer

Tips for Maximizing Rewards at Kobo Us

  • Use the card with the highest bonus rate for MCC 5815
  • 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 (5815) as Kobo Us:

Dancepoint Dan
• offline
Deezer
• online
Google Payment Singapore Pte Ltd
• offline
Googlepayme
• online
Health
• offline
Kkbox
• online
Kobo Canada
• offline
Noah
• offline
One Championship
• offline
Order
• online

Related Resources

Best cards for Kobo UsView MCC 5815 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Kobo Us use?

Kobo Us uses MCC 5815 (Digital Goods: Books, Movies, Music). This code classifies the merchant as a digital goods: books, movies, music business.

Which credit cards earn rewards at Kobo Us?

5 credit cards earn bonus rewards at Kobo Us: Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, Maybank XL Rewards, HSBC TravelOne.

What should I check before choosing a card for Kobo Us?

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 Kobo Us's MCC code?

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

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