MCC 5814 · Fast Food Restaurants · Food
For MCC 5814 (Fast Food Restaurants) 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 5814 as their main code. Seen a different code? Report it.
For MCC 5814 (Fast Food Restaurants) 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 5814 is the merchant category code for Fast Food Restaurants (Food). Covers fast food restaurants where customers order and pay at a counter before receiving food, typically for takeaway or quick consumption. Full-service, sit-down restaurants use 5812, and bakeries use 5462; the split between 5812 and 5814 is a common source of confusion for dining rewards.
Merchants in Singapore seen with MCC 5814 include Boost Juice, 4Fingers Crispy Chicken, ChaTraMue, Chicha San Chen, Chagee, Food Junction, Genki Sushi, Koufu. 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.