What is Muji's MCC Code?
Muji uses MCC 5331 (Variety Stores). This Merchant Category Code is used by credit card networks to classify transactions at Muji.
When you use your credit card at Muji, the transaction is tagged with MCC 5331. 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 Muji
HSBC Revolution
4 MPDIncluded in whitelist
Cap: Cap at $1,000 a month
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Cap: Cap at $600 a month per spend type
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
UOB Visa Signature
4 MPDNot 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 MPDEligible under Shop 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 Muji:
✗OCBC Rewards
✗UOB Lady's Card
✗UOB Lady's Solitaire
Tips for Maximizing Rewards at Muji
- Use the card with the highest bonus rate for MCC 5331
- 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