MCC 5621 · Women's Ready-to-Wear Stores · Retail
For MCC 5621 (Women's Ready-to-Wear Stores) in Singapore, the Citi Rewards Card earns the most miles at 4 mpd (cap: 9,000 bonus ThankYou Points per statement month (~S$1,000 of 10X spend, shared with the online bonus); base points uncapped), and the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$50 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.Citi Rewards Card
10X Points: in-store shoes, bags & clothes (department stores, apparel, shoes, luggage/leather)
10X = 1 base + 9 bonus ThankYou Points per S$1 (rounded down per transaction); 25,000 TY points = 10,000 miles. Applies online or offline at merchants with these MCCs.
Terms checked 2026-09-24 · Issuer terms ·
2.OCBC Rewards Card
Shopping MCCs (10X OCBC$)
1 base + 9 bonus OCBC$ per S$1, awarded per S$5 block per transaction (25,000 OCBC$ = 10,000 KrisFlyer miles). Local and overseas, online and in-store. Bonus credited by end of next month.
Terms checked 2026-10-01 · Issuer terms ·
3.UOB Lady's Card
Chosen bonus category: Fashion
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: Department stores, clothing, shoes, accessories, luggage & leather stores.
Terms checked 2026-09-24 · Issuer terms ·
4.UOB Lady's Solitaire Card
Chosen bonus category: Fashion
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: Department stores, clothing, shoes, accessories, luggage & leather stores.
Terms checked 2026-10-01 · Issuer terms ·
5.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Selected Online Transactions: Department Stores and Retail Stores
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). MCC 5965 no longer earns (from 1 Oct 2024).
Terms checked 2026-10-01 · Issuer terms ·
7.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
8.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
9.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.DBS Live Fresh Card
Shopping Spend (in-store and online, SG and overseas)
0.3% base plus 5.7% bonus once monthly spend reaches S$800. MCC 5993 was removed from the Shopping list from 1 Dec 2025 and is now fully excluded. Excludes Table 5 merchant names (e.g. CARDUP, IPAYMY, AMAZE, SHOPEEPAY, YOUTRIP, FAVEPAY, crypto sites).
Terms checked 2026-09-24 · Issuer terms ·
Highlighted merchants use MCC 5621 as their main code. Seen a different code? Report it.
For MCC 5621 (Women's Ready-to-Wear Stores) in Singapore, the Citi Rewards Card earns the most miles at 4 mpd (cap: 9,000 bonus ThankYou Points per statement month (~S$1,000 of 10X spend, shared with the online bonus); base points uncapped), and the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$50 bonus cashback per calendar month).
MCC 5621 is the merchant category code for Women's Ready-to-Wear Stores (Retail). MCC 5621 covers women's ready-to-wear stores selling clothing for women, such as dresses, suits, coats, and sportswear. Stores selling clothing for the whole family use 5651, women's accessory and specialty shops use 5631, and men's and boys' clothing stores use 5611.
Merchants in Singapore seen with MCC 5621 include Kipling, Love Bonito, Forever21, Bega, bYSI, Clovers, Giordano Ladies, iROO. 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.