Qoo10 MCC Code & Best Credit Card Rewards

What is Qoo10's MCC Code?

Qoo10 uses MCC 5262 (Markets). This Merchant Category Code is used by credit card networks to classify transactions at Qoo10.

When you use your credit card at Qoo10, the transaction is tagged with MCC 5262. 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 Qoo10

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 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 Qoo10:

✗OCBC Rewards

✗UOB Lady's Card

✗UOB Lady's Solitaire

✗UOB KrisFlyer

Tips for Maximizing Rewards at Qoo10

Use the card with the highest bonus rate for MCC 5262
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