Merchant MCC Guide

Ministry of Defence MCC & rewards

Reported MCC 9399 · Government Services (Not Elsewhere Classified)

Singapore · OnlineVisit Ministry of Defence website
Last updated: 23 Apr 2026

Ministry of Defence

Online storefront · Singapore

MCC 9399 · Website checkout

Officially verified · Website checkout

Verified MCC 9399 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.

  • 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)
  • The American Express Platinum Credit Card~2.84 MPD at 10Xcelerator partners (10 MR per S$1.60, merchant-list based)

    MCC is not excluded from the bonus blacklist

    • Merchant-list bonus: 10Xcelerator bonus applies at ~50 named luxury/dining/retail partners (go.amex/10xceleratorsg), not MCCs; bonus posts ~12 weeks after spend; excludes third-party payments (Kris+, PayPal)
    • Annual fee: S$327 non-waivable. Category exclusions (cash advance, insurance, SPC, utilities, education etc.) per amex-sg-exclusions.pdf §2
    Editorial review (reviewed 2026-10-18)
  • AMEX KrisFlyer Credit Card2 MPD on SIA/Scoot/KrisShop/Pelago (+Grab subcap)

    MCC is not excluded from the bonus blacklist

    • Bonus categories: 2 MPD on SIA/Scoot/KrisShop/Pelago (uncapped) and Grab (capped S$200/mo); 1.1 MPD flat elsewhere. Same category-based exclusion list as Ascend
    Editorial review (reviewed 2026-10-18)
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What is Ministry of Defence's MCC Code?

Ministry of Defence uses MCC 9399 (Government Services (Not Elsewhere Classified)). This Merchant Category Code is used by credit card networks to classify transactions at Ministry of Defence.

When you use your credit card at Ministry of Defence, the transaction is tagged with MCC 9399. 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 Ministry of Defence

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 Ministry of Defence:

✗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 Ministry of Defence

  • Use the card with the highest bonus rate for MCC 9399
  • 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 (9399) as Ministry of Defence:


Related Resources

Frequently Asked Questions

What MCC code does Ministry of Defence use?

Ministry of Defence uses MCC 9399 (Government Services (Not Elsewhere Classified)). This code classifies the merchant as a government services (not elsewhere classified) business.

Which credit cards earn rewards at Ministry of Defence?

1 credit cards earn bonus rewards at Ministry of Defence: UOB Visa Signature.

What should I check before choosing a card for Ministry of Defence?

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 Ministry of Defence's MCC code?

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

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