MCC 5411 · Grocery Stores, Supermarkets · Retail
For MCC 5411 (Grocery Stores, Supermarkets) 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 UOB One Card gives the highest cashback at 8% (cap: Additional cashback on all selected merchants combined capped at S$120 per statement 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: Family
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: Grocery stores, children's & infants' wear.
Terms checked 2026-09-24 · Issuer terms ·
2.UOB Lady's Solitaire Card
Chosen bonus category: Family
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: Grocery stores, children's & infants' wear.
Terms checked 2026-10-01 · Issuer terms ·
3.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Selected Online Transactions: Supermarkets, Dining and Food Delivery
Online retail transactions (local or overseas) via websites, not under recurring payment arrangements. 4 mpd = base UNI$1 + bonus UNI$9 per S$5. Issuer publishes ranges 5732-5735, 5944-5949, 5966-5970, 7998-7999 (expanded here).
Terms checked 2026-10-01 · Issuer terms ·
5.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
6.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
7.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.UOB One Card
Groceries (supermarkets/grocery stores)
Additional 0% (Tier 1), 2.67% (Tier 2), 4.67% (Tier 3) on MCC 5411 since 1 Jul 2025 = 3.33% / 6% / 8% total. Replaced DFI Retail Group merchant bonus (ended 31 Jul 2025).
Terms checked 2026-09-24 · Issuer terms ·
2.OCBC 365 Credit Card
Groceries
In-store (SG and overseas) and online grocery under MCC 5411.
Terms checked 2026-10-01 · Issuer terms ·
Highlighted merchants use MCC 5411 as their main code. Seen a different code? Report it.
For MCC 5411 (Grocery Stores, Supermarkets) 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 UOB One Card gives the highest cashback at 8% (cap: Additional cashback on all selected merchants combined capped at S$120 per statement month).
MCC 5411 is the merchant category code for Grocery Stores, Supermarkets (Retail). MCC 5411 covers grocery stores and supermarkets selling a full line of food for home preparation, including fresh produce, meat, dairy, and packaged goods, along with household items. It is commonly confused with 5499 (Miscellaneous Food Stores, including convenience stores and specialty food shops), 5300 (Wholesale Clubs), and 5310 (Discount Stores).
Merchants in Singapore seen with MCC 5411 include Makro, Jones The Grocer, 19 Marsiling, Sheng Siong, Cold Storage, Giant, AEON Supermarket, Aldi. 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.