Merchant MCC Guide

Polar Puffs & Cakes MCC & rewards

Reported MCC 5462 · Bakeries

· In-store

Polar Puffs & Cakes

On-site merchant · SG

MCC 5462 · In-store terminal

Officially verified · In-store terminal

Verified MCC 5462 for In-store terminal.

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 Polar Puffs & Cakes's MCC Code?

Polar Puffs & Cakes uses MCC 5462 (Bakeries). This Merchant Category Code is used by credit card networks to classify transactions at Polar Puffs & Cakes.

When you use your credit card at Polar Puffs & Cakes, the transaction is tagged with MCC 5462. 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 Polar Puffs & Cakes

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

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 Dine 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 Polar Puffs & Cakes:

✗OCBC Rewards
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer

Tips for Maximizing Rewards at Polar Puffs & Cakes

  • Use the card with the highest bonus rate for MCC 5462
  • 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

Related Merchants

These merchants use the same MCC code (5462) as Polar Puffs & Cakes:

Lavender Bakery (Mid Valley)
Malaysia • offline
Donq Editer And Mini One
Singapore • offline
Ruyi Sunny Cake Taipei Kaifeng Store
Taiwan • offline
Choc A Bloc
Singapore • offline
So Good Bakery
Singapore • offline
Pullman Bakery - 100 AM
Singapore • offline
Verona Hills (Mid Valley)
Malaysia • offline
Gokoku
Singapore • offline
Bao’s Pastry Paya Lebar Square
Singapore • offline
Arc-En-Ciel Patisserie
• offline

Related Resources

Best cards for Polar Puffs & CakesView MCC 5462 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Polar Puffs & Cakes use?

Polar Puffs & Cakes uses MCC 5462 (Bakeries). This code classifies the merchant as a bakeries business.

Which credit cards earn rewards at Polar Puffs & Cakes?

7 credit cards earn bonus rewards at Polar Puffs & Cakes: HSBC Revolution, UOB Preferred Platinum Visa, Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, Maybank XL Rewards, HSBC TravelOne.

What should I check before choosing a card for Polar Puffs & Cakes?

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 Polar Puffs & Cakes's MCC code?

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

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