Merchant MCC Guide

St. Regis Hotel MCC & rewards

Reported MCC 3745 · St. Regis Hotel

· In-store

St. Regis Hotel

On-site merchant · SG

MCC 3745 · In-store terminal

Officially verified · In-store terminal

Verified MCC 3745 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 St. Regis Hotel's MCC Code?

St. Regis Hotel uses MCC 3745 (St. Regis Hotel). This Merchant Category Code is used by credit card networks to classify transactions at St. Regis Hotel.

When you use your credit card at St. Regis Hotel, the transaction is tagged with MCC 3745. 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 St. Regis Hotel

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

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 Travel 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 Travel 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 St. Regis Hotel:

✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗UOB KrisFlyer
✗Maybank XL Rewards

Tips for Maximizing Rewards at St. Regis Hotel

  • Use the card with the highest bonus rate for MCC 3745
  • 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 Resources

Best cards for St. Regis HotelView MCC 3745 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does St. Regis Hotel use?

St. Regis Hotel uses MCC 3745 (St. Regis Hotel). This code classifies the merchant as a st. regis hotel business.

Which credit cards earn rewards at St. Regis Hotel?

6 credit cards earn bonus rewards at St. Regis Hotel: HSBC Revolution, Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, HSBC TravelOne.

What should I check before choosing a card for St. Regis Hotel?

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 St. Regis Hotel's MCC code?

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

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