facebookPopular MCC Codes In Singapore For Credit Card Spenders And How to Find Them (2021)
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Popular MCC Codes In Singapore For Credit Card Spenders And How to Find Them (2021)

profileKenneth Lou
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Unfortunately, spending on your credit cards to earn cashback, miles or reward points is not straightforward, as banks will not award these rewards on all transactions.

Each credit card will have its own list of qualifying merchants that it will award rewards for.

This is why it is important for you to know the qualifying merchants for your credit card and their respective merchant category code (MCC).

After all, you would not want to make a big-ticket purchase, only to find that it does not qualify for credit card rewards.

But, we got you fam.

Here is a (non-exhaustive) list of the most popular MCC codes crowdsourced via the different banks MCC sheets and online sources like WhatCard and the Visa Supplier Locator to help you can get those credit card rewards.

So do save this article and return to it when you need to!

But, since the information is crowdsourced, it may not be 100% reliable. But they are most likely to be correct.

Do feel free to drop us a comment or email us at: [email protected] with any corrections or feedback.

In other words, they could also be wrong… But they’re most likely correct, lah. Feel free to leave a comment and ping us with any corrections to improve this list.

Do note that this information is accurate as of 6 Jan 2020.


TL;DR: Popular Merchant Category Codes (MCC) Singapore

Here are the various common categories which you can find for rebate category tiers: Simply click on the relevant category below:


What is an MCC?

If you want to make the most out of your credit card, there are four numbers you need to know.

The all-important MCC: a four-digit number listed in the ISO 18245 standard for retail financial services.

This MCC is used to categories a business by the types of goods or services it provides.

For the uninitiated, merchants that wish to set up a credit card payment system will need to first put in an application for a merchant bank account with the acquiring bank.

This MCC is important to companies as it used to determine the interchange rate – the rate at which card networks like Visa, MasterCard and American Express charges the merchant for its credit card payment service.

Typically, some merchants like charities, educational institutions, and government agencies are given a discount on the interchange rate.

As such, most credit cards do not give rewards for these types of transactions.

Also, do note that the card networks assign the MCCs separately, so they may differ.

But generally, Visa and Mastercard have very similar MCC codes.

Why is it important to consumers?

Because before you make a big purchase eg online or offline, or are selecting which card suits you the best, you would be keen to know what kind of transactions qualify in what category.

An Example of MCC: OCBC 365

To show how this works in real life, let’s take the example of the OCBC 365 credit card.

With the card, you get 6 per cent cashback on dining.

But what constitutes as dining you may ask?

Source: OCBC

Thus, OCBC refers to the MCC of the transaction. If your transaction’s MCC falls into any of the following categories, you get to enjoy the bonus cashback.

As such, this list will help provide greater clarity on which types of merchants qualify.

Category: Online Transactions MCC

Here are the popular online transactions MCCs you need to take note of:

MCCs for Online Shopping and Marketplaces in Singapore

MerchantMCCCategory
Amazon.sg5999Miscellaneous and Specialty Retail Stores | Online Shopping
Aliexpress5964Direct Marketing–Catalog Merchants | Online Shopping
Carousell5999Miscellaneous and Specialty Retail Stores | Online Shopping
EzBuy5691Men’s and Women’s Clothing Stores | Online Shopping
Lazada5311Department Stores | Online shopping
RedMart (via Lazada)5411Grocery Stores, Supermarkets, Groceries
Qoo10.sg5399Miscellaneous General Merchandise Stores
Shopee5399Miscellaneous General Merchandise Stores
Taobao (App)5311Department Stores | Online Shopping
Taobao (PC Browser)5411Grocery Stores, Supermarkets | Online Shopping

MCCs for Transport in Singapore

MerchantMCCCategory
Comfort Taxi4121Taxicabs and Limousines | Taxis & public transport
Grab (Taxi Rides)
GoJek
Ryde5734Computer Software Stores | Taxis & public transport
Ezlink6540POI (Point of Interaction) Funding Transactions (Excluding MoneySend) | Taxis & public transport
SimplyGo4111Transportation–Suburban and Local Commuter Passenger, including Ferries Taxis & public transport

MCCs for Food Delivery in Singapore

MerchantMCCCategory
GrabFood5499Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines
FoodPandaMiscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines
DeliverooMiscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines

This also heavily depends on the payment processors that these online sites use and whether they register the correct MCC or not.

Category: Shopping MCC Singapore – Clothing and Retail Outlets

Merchant ExampleMCCCategory
Dockers5611Men's Boys clothing and accessories stores
Forever215621Women's Ready to wear stores
6IXTY8IGHT5631Women's accessory and speciality stores
Bossini5651Family clothing stores
Aldo5661Shoe stores
Bershka5691Men's and women's clothing stores
Crumpler5699Misc Apparel and accessory shops
Daiso5311Department stores
Fox Kids & Baby5641Babies and Children's infants' wear stores
Hush Puppies5651Family clothing stores

Category: F&B Dining MCC

Merchant ExampleMCCCategory
Domino's Pizza5811Caterers
Toast Box5812Eating Places and Restaurants
Brotzeit German Restaurant and Bar5813Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns - Drinking Places (Alcoholic Beverages)
McDonald's5814Fast Food Restaurants
Bengawan Solo5462Bakeries

Category: Groceries MCC

Merchant ExampleMCCCategory
Boost5499Miscellaneous Food Stores (Convenience Stores, Markets, Specialty Stores, and Vending Machines)
Giant5411Grocery Stores, Supermarkets

Category: Beauty and Personal Care MCC

Merchant ExampleMCCCategory
Watsons, Guardian Etc.5912Drug stores and Pharmacies

Category: Electronics and Gadgets MCC

  • Merchant ExampleMCCCategory
    Helpling5045Computers, peripherals and software
    Challenger, Best Denki Etc.5732Electronics Stores
    Alan Photo5021Office, Photographic, Photocopy and Microfilm equipment
    Adobe Creative Cloud subscription5734Computer software store

Category: Petrol MCC

Merchant ExampleMCCCategory
7-Eleven5541 Service Stations (With or Without Ancillary Services)
Shell Petrol Kiosks5542Fuel Dispenser, Automated

Category: Telco MCC

Merchant ExampleMCCCategory
Singtel, M1, Starhub, etc.4814Telecommunication service including local and long-distance calls, credit card calls, calls through the use of magnetic-strip reading telephones and fax services

Category: Utilities MCC

Merchant ExampleMCCCategory
Singapore (SP), Geneco, etc.4900SP Services | Electricity Retailers
CPF, HDB, Town Council, etc.9399Government Services

Category: Insurance MCC

Merchant ExampleMCCCategory
-5960Direct Marketing Insurance services
AIA Insurance, Aviva, etc.6300 Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums)

Do note that most credit cards exclude insurance premiums in their rewards calcuations.

Category: Hospitals MCC

Merchant ExampleMCCCategory
Singapore General Hospital, Mount Alvernia, Mount Pleasant, etc.8062Hospital and medical fees

Common Credit Card Exclusions

Merchant ExampleMCCCategory
GrabPay Top-ups, FEVO Mastercards, etc.6051Quasi Cash Merchants:
Prepaid top-ups
AXS Payments9399Government Services–Not Elsewhere Classified | Excluded
Ez-Link Top-ups6540POI (Point of Interaction) Funding Transactions (Excluding MoneySend) | Taxis & public transport

How Do I Find My MCC Code Singapore?

Can’t find the merchant you want on this list?

You can head on over to WhatCard to search for a merchant and their MCC.

Visa Supplier Locator Singapore

Also, Visa has recently launched the Visa Supplier Locator in Singapore: a tool which will help you find the MCC of virtually any Visa supporting merchant in Singapore!

Source: Visa

Closing Thoughts: Try Your Best to Follow the MCC Codes

Ultimately it’s still your bank’s decision on whether to adopt and follow the MCC codes accordingly.

I have heard of horror stories of folks who got unfairly discounted because they felt that certain restaurants were not registered under the right MCC.

Sources: CITI Merchant Category codes, OCBC Merchant Category codes, WhatCard and the Visa Supplier Locator

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About Kenneth Lou
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