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MCC Code Singapore Guide

Master Merchant Category Codes for Singapore credit cards to maximize rewards, miles, and cashback

Last updated: April 2026

• 6 min read

🎯 What is MCC Code in Singapore?

MCC (Merchant Category Code) is a 4-digit number that classifies businesses. Singapore credit cards use these codes to determine bonus rewards rates—some MCCs earn 4 MPD while others earn only 1 MPD.

💡 Key Insight

Same store, different MCC: Online vs offline may differ

🎁 Maximize Rewards

Match MCC to card bonus categories

Popular Singapore Merchant MCCs

Knowing the MCC codes for popular Singapore merchants helps you choose the right card and maximize rewards.

Merchant	MCC Code	Category	Best Cards
Shopee	`5399`	Online Shopping	UOB PPV, UOB VS, HSBC Rev
Lazada	`5399`	Online Shopping	UOB PPV, UOB VS, HSBC Rev
GrabFood	`5814`	Fast Food	UOB PPV, Citi Rewards
Foodpanda	`5812`	Restaurants	UOB PPV, Citi Rewards
FairPrice	`5411`	Groceries	UOB VS, OCBC 365
Airbnb	`4722`	Travel Agencies	UOB PPV, UOB VS

Singapore Credit Cards & MCC Bonuses

UOB PPV (Personalised PayAll)

4 MPD on these MCCs:

• 5399 - Online Shopping (Shopee, Lazada)
• 5812, 5814 - Restaurants & Fast Food
• 3000-3299, 3501-3599, 4111, 4121, 4131, 4411, 4452, 4784, 4899, 7512 - Travel

UOB Visa Signature

4 MPD on most MCCs, excludes:

• 6012, 6051, 6513, 7511-7519 (Public utilities)
• 4812, 4813, 4900, 6530-6540 (Insurance, financial)
• 8211, 8220, 8241, 8398, 8299, 8699 (Education, government)

DBS Woman's World Card

4 MPD on these MCCs:

• 5399 - Online Shopping
• 5691, 5944, 7230, 7297, 7298 - Women's clothing, beauty, fitness

HSBC Revolution

4 MPD on whitelisted MCCs including:

• 5399 - Online Shopping
• 5812, 5814 - Dining
• 5691, 5944, 5947, 5970, 5992, 7230, 7296, 7297, 7298 - Fashion & Beauty
• 7832, 7911, 7997-7999 - Entertainment

💡 Singapore MCC Tips

Online vs Offline: Same brand may have different MCC for online store vs physical store
Payment Method: Some cards require contactless or mobile wallet for bonus rates
Foreign Currency: Check if card excludes foreign transactions from bonus categories
Monthly Caps: Track spending—bonuses often capped at $1,000-$2,000/month

🔍 Check Any Singapore Merchant's MCC

Look up MCC codes instantly and see which cards earn bonus rewards

Search Merchants Browse MCC Codes

Related Guides

What is an MCC Code?

Complete guide to understanding Merchant Category Codes

Maximizing Rewards with MCC

Strategies to earn more miles and cashback

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