Merchant MCC Guide

Ultimate Financial Services MCC & rewards

Reported MCC 6010 · Financial Institutions - Manual Cash Disbursements

· In-store

Ultimate Financial Services

On-site merchant · SG

MCC 6010 · In-store terminal

Officially verified · In-store terminal

Verified MCC 6010 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.

  • 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

    MCC is not excluded from the bonus blacklist

    • 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)
  • Standard Chartered Beyond Card3.0 MPD FCY standalone (up to 8.0 MPD FCY dining, Priority Private)

    MCC is not excluded from the bonus blacklist

    • Relationship tiers: Rates by relationship: 1.5/3.0 standalone; 2.0/3.5 Priority (S$200k); 2.0/8.0 FCY dining + 4.0 FCY others Priority Private (S$1.5M fresh funds). Tier changes lag one statement cycle
    • Annual fee: S$1,635 strictly non-waivable; renewal gift 80,000 miles requires S$200k AUM
    Editorial review (reviewed 2026-10-18)
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What is Ultimate Financial Services's MCC Code?

Ultimate Financial Services uses MCC 6010 (Financial Institutions - Manual Cash Disbursements). This Merchant Category Code is used by credit card networks to classify transactions at Ultimate Financial Services.

When you use your credit card at Ultimate Financial Services, the transaction is tagged with MCC 6010. 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 Ultimate Financial Services

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)

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

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Ultimate Financial Services:

✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Woman's World MasterCard
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
✗Maybank XL Rewards
✗HSBC TravelOne

Tips for Maximizing Rewards at Ultimate Financial Services

  • Use the card with the highest bonus rate for MCC 6010
  • 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 Ultimate Financial ServicesView MCC 6010 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Ultimate Financial Services use?

Ultimate Financial Services uses MCC 6010 (Financial Institutions - Manual Cash Disbursements). This code classifies the merchant as a financial institutions - manual cash disbursements business.

Which credit cards earn rewards at Ultimate Financial Services?

2 credit cards earn bonus rewards at Ultimate Financial Services: Citibank Rewards MasterCard, UOB Visa Signature.

What should I check before choosing a card for Ultimate Financial Services?

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 Ultimate Financial Services's MCC code?

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

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