MCC 5499 · Miscellaneous Food Stores (Convenience, Markets, etc.) · Food Retail
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) 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)).
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: Dining
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: Caterers, eating places & restaurants, fast food, food deliveries.
Terms checked 2026-09-24 · Issuer terms ·
2.UOB Lady's Solitaire Card
Chosen bonus category: Dining
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: Caterers, eating places & restaurants, fast food, food deliveries.
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 ·
Highlighted merchants use MCC 5499 as their main code. Seen a different code? Report it.
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) 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)).
MCC 5499 is the merchant category code for Miscellaneous Food Stores (Convenience, Markets, etc.) (Food Retail). MCC 5499 covers miscellaneous food stores such as convenience stores, specialty food markets, delicatessens, bakeries selling for take-home, and health food shops. It is commonly confused with 5411 (grocery stores and supermarkets); smaller food stores and convenience chains often use 5499, so they may not qualify for supermarket rewards categories.
Merchants in Singapore seen with MCC 5499 include WhyQ, Cheers, 7-Eleven, Deliveroo, FoodPanda, Bee Cheng Hiang, Boost Juice Bar, Bottles and Bottles. 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.