Complete guide to Merchant Category Codes (MCC) for Singapore. Find out which MCC codes popular merchants like Shopee, Grab, and NTUC FairPrice use to maximize your credit card rewards.
Merchant Category Codes (MCC) are four-digit numbers assigned to businesses that accept credit card payments. In Singapore, MCC codes play a crucial role in determining your credit card rewards because many cards offer bonus cashback or points for specific spending categories.
For example, if your DBS Woman's Card offers 5% cashback on "Online Shopping," the bank uses MCC codes to determine which transactions qualify. Understanding MCC codes helps you choose the right card for each purchase and maximize your rewards.
Shopee is Singapore's most popular e-commerce platform. Most Shopee transactions code under MCC 5262 (Marketplaces), which typically qualifies for online shopping bonuses on cards like DBS Woman's Card and UOB One Card.
However, some Shopee transactions may code differently based on:
Grab uses different MCC codes for different services:
Pro tip: For maximum rewards, use a dining card for GrabFood and a transport card for GrabCar separately.
NTUC FairPrice uses MCC 5411 (Grocery Stores, Supermarkets) for most transactions. This qualifies for grocery bonus categories on cards like:
Note: FairPrice Online and FairPrice On may code differently. Always check your statement.
An MCC (Merchant Category Code) is a four-digit number that classifies businesses by type. In Singapore, MCC codes determine how credit card transactions are categorized, which affects whether you earn bonus cashback or rewards points on cards from DBS, UOB, OCBC, Citibank, and other banks.
Shopee primarily uses MCC 5262 (Marketplaces) for transactions in Singapore. Depending on what you purchase, it may also code under 5399 (General Merchandise) or other retail categories.
Grab uses different MCC codes for different services: GrabCar uses 4121 (Taxicabs), GrabFood uses 5812 (Restaurants), and GrabPay top-ups may use 6540 (Stored Value).
Yes, NTUC FairPrice typically codes under MCC 5411 (Grocery Stores, Supermarkets), which qualifies for grocery bonus categories on most Singapore credit cards.
The MCC code is determined by the merchant's payment processor registration, not by what you purchased. A merchant may have multiple MCC codes or use a general category. Some Singapore merchants also process through overseas entities, affecting the coding.
Cards like DBS Woman's Card, UOB One Card, OCBC 365 Card, and Citi Cash Back Card offer bonus rewards for specific MCC categories like dining, groceries, and transport. Check each card's terms as qualifying MCCs vary.
Use our database to find MCC codes for any merchant in Singapore and worldwide.