Merchant MCC Guide

Smrt MCC & rewards

Reported MCC 4111 · Local/Suburban Commuter Passenger Transportation

· In-store

Smrt

On-site merchant · SG

MCC 4111 · In-store terminal

Officially verified · In-store terminal

Verified MCC 4111 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 Smrt's MCC Code?

Smrt uses MCC 4111 (Local/Suburban Commuter Passenger Transportation). This Merchant Category Code is used by credit card networks to classify transactions at Smrt.

When you use your credit card at Smrt, the transaction is tagged with MCC 4111. 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 Smrt

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

UOB Lady's Card

4 MPD

Eligible under Transport category

Cap: Cap at $1,000 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

UOB Lady's Solitaire

4 MPD

Eligible under Transport category

Cap: Cap at $750 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Smrt:

✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗Maybank XL Rewards

Tips for Maximizing Rewards at Smrt

  • Use the card with the highest bonus rate for MCC 4111
  • 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 (4111) as Smrt:

BUS/MRT
Singapore • online
Horizon Fast Ferry
• offline
Klia Express
• offline
Ktmb
• offline
London Tube
• offline
Rottnest Express
• offline
Simplygo
• online
Transport For Nsw
• offline
Woodlands Transport
• offline
Woodlands Transport Solut
• offline

Related Resources

Best cards for SmrtView MCC 4111 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Smrt use?

Smrt uses MCC 4111 (Local/Suburban Commuter Passenger Transportation). This code classifies the merchant as a local/suburban commuter passenger transportation business.

Which credit cards earn rewards at Smrt?

6 credit cards earn bonus rewards at Smrt: Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, UOB KrisFlyer, HSBC TravelOne.

What should I check before choosing a card for Smrt?

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 Smrt's MCC code?

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

🔍 Look Up Any Merchant's MCC Code

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