MCC 4111 · Local and Suburban Commuter Passenger Transportation · Transportation
For MCC 4111 (Local and Suburban Commuter Passenger Transportation) in Singapore, the UOB Lady's Card earns the most miles at 4 mpd (cap: Bonus UNI$1,800 per calendar month (= S$1,000 spend)), and the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$20 bonus cashback per calendar month).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.UOB Lady's Card
Chosen bonus category: Transport
Select 1 of 7 categories via uob.com.sg/ladys-enrol; changes take effect next calendar quarter. 4 mpd = base UNI$1 + bonus 9X UNI$ per S$5. Issuer description: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-09-24 · Issuer terms ·
2.UOB Lady's Solitaire Card
Chosen bonus category: Transport
Select up to 2 of 7 categories via uob.com.sg/ladys-enrol; changes take effect next calendar quarter. 4 mpd = base UNI$1 + bonus 9X UNI$ per S$5. Issuer description: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-10-01 · Issuer terms ·
4.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
6.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
11.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.DBS Live Fresh Card
Transport Spend (public transport, ride-hailing, taxis; SG and overseas)
0.3% base plus 5.7% bonus. MCC 7511 was removed from the list from 1 Dec 2025. EZ-Link, TRANSIT and FLASHPAY ATU top-ups are excluded by merchant name.
Terms checked 2026-09-24 · Issuer terms ·
3.OCBC 365 Credit Card
Land transport
Includes ride-hailing and taxis (MCC 4121). EZ-Link and TransitLink top-ups are excluded. Only account-based ticketing / contactless fare payments qualify.
Terms checked 2026-10-01 · Issuer terms ·
Highlighted merchants use MCC 4111 as their main code. Seen a different code? Report it.
For MCC 4111 (Local and Suburban Commuter Passenger Transportation) in Singapore, the UOB Lady's Card earns the most miles at 4 mpd (cap: Bonus UNI$1,800 per calendar month (= S$1,000 spend)), and the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$20 bonus cashback per calendar month).
MCC 4111 is the merchant category code for Local and Suburban Commuter Passenger Transportation (Transportation). Covers local and suburban commuter passenger transportation, including metro, light rail, commuter rail, public buses and ferries operating on regular routes within a metropolitan area. Long-distance passenger rail uses 4112 and intercity bus lines use 4131, while taxis and limousines fall under 4121.
Merchants in Singapore seen with MCC 4111 include ComfortDelGro, Horizon Fast Ferry, Klia Express, Ktmb, Rottnest Express, Simplygo, Woodlands Transport, Woodlands Transport Solut. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.