Merchant MCC Guide

Trainline MCC & rewards

Community contributed on 16 Oct 2026

Reported MCC 4112 · Passenger Railways

United Kingdom · In-store
Last updated: 16 Oct 2026

Trainline

On-site merchant · United Kingdom

MCC 4112 · In-store terminal

Officially verified · In-store terminal

Verified MCC 4112 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.

  • Maybank XL Rewards4 MPD

    Foreign-currency transactions earn the bonus rate regardless of MCC

    • Min spend: Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD)
    • Monthly cap: Cap at S$1,000 per calendar month across all bonus categories combined
    • FCY bonus: Earns 4 MPD on all foreign-currency transactions regardless of MCC
    • Excluded local categories: SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.
    Editorial review (reviewed 2026-08-23)
  • UOB Preferred Platinum Visa4 MPD

    MCC is not excluded from the on-site blacklist

    • Monthly cap: Cap at $600 a month per spend type
    • Payment mode: Bonus rate applies to both online and on-site transactions
    • Offline rule: On-site transactions use blacklist rules only; online transactions use the MCC whitelist
    Bank terms (reviewed 2026-08-23)
  • UOB Visa Signature4 MPD

    Foreign-currency transactions earn the bonus rate regardless of MCC

    • Spend window: On Site: local contactless spend between $1,000–$1,200 | FCY: foreign currency transactions between $1,000–$1,200
    • Payment mode: Bonus rate applies to on-site contactless / foreign-currency transactions only
    Editorial review (reviewed 2026-08-23)
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What is Trainline's MCC Code?

Trainline uses MCC 4112 (Passenger Railways). This Merchant Category Code is used by credit card networks to classify transactions at Trainline.

When you use your credit card at Trainline, the transaction is tagged with MCC 4112. 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 Trainline

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Eligible via foreign-currency (FCY) transactions regardless of MCC

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 via foreign-currency (FCY) transactions regardless of MCC

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 Trainline:

✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer

Tips for Maximizing Rewards at Trainline

  • Use the card with the highest bonus rate for MCC 4112
  • 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 TrainlineView MCC 4112 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Trainline use?

Trainline uses MCC 4112 (Passenger Railways). This code classifies the merchant as a passenger railways business.

Which credit cards earn rewards at Trainline?

4 credit cards earn bonus rewards at Trainline: Woman's World MasterCard, UOB Visa Signature, Maybank XL Rewards, HSBC TravelOne.

What should I check before choosing a card for Trainline?

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 Trainline's MCC code?

Use CheckMCC's merchant lookup tool to verify Trainline'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

Not sure if a merchant uses MCC 4112? Search by merchant name to verify their code and find eligible bonus cards.

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