Merchant MCC Guide

Uniqlo MCC Code: 5651 (Family Clothing Stores)

Complete guide to Uniqlo MCC code - which credit cards earn bonus rewards and how to maximize your spending.

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Uniqlo

On-site merchant · SG

MCC 5651 · In-store terminal

Officially verified · In-store terminal

Verified MCC 5651 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.

  • HSBC Revolution4 MPD

    MCC is included in the bonus whitelist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to both online and on-site transactions
    Issuer source (reviewed 2026-08-23)
  • Maybank XL Rewards4 MPD

    Eligible under the Shop category

    • 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.
    Issuer source (reviewed 2026-08-23)
  • OCBC Rewards4 MPD

    MCC is included in the bonus whitelist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to both online and on-site transactions
    Issuer source (reviewed 2026-08-23)
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Quick Stats for Uniqlo

📊 MCC Code
5651
Family Clothing Stores
💳 Eligible Cards
10
cards earn bonus
💰 Best Rate
4 MPD
miles per dollar

What is Uniqlo's MCC Code?

Uniqlo uses MCC 5651 (Family Clothing Stores). This Merchant Category Code is used by credit card networks to classify transactions at Uniqlo.

When you use your credit card at Uniqlo, the transaction is tagged with MCC 5651. 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 Uniqlo

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

OCBC Rewards

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

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)

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 Fashion 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 Fashion 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.

Maybank XL Rewards

4 MPD

Eligible under Shop category

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.

Tips for Maximizing Rewards at Uniqlo

  • Use the card with the highest bonus rate for MCC 5651
  • 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 UniqloView MCC 5651 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Uniqlo use?

Uniqlo uses MCC 5651 (Family Clothing Stores). This code classifies the merchant as a family clothing stores business.

Which credit cards earn rewards at Uniqlo?

10 credit cards earn bonus rewards at Uniqlo: HSBC Revolution, OCBC Rewards, UOB Preferred Platinum Visa, Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, UOB KrisFlyer, Maybank XL Rewards.

What is the best credit card for Uniqlo?

The best card for Uniqlo is HSBC Revolution, earning 4 MPD.

How do I verify Uniqlo's MCC code?

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

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