MCC 5977 · Cosmetic Stores · Cosmetic Stores
For MCC 5977 (Cosmetic Stores) 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$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.UOB Lady's Card
Chosen bonus category: Beauty & Wellness
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: Discount/mass/drug stores, cosmetics stores, barber & beauty shops, health & beauty spas, massage parlours.
Terms checked 2026-09-24 · Issuer terms ·
2.UOB Lady's Solitaire Card
Chosen bonus category: Beauty & Wellness
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: Discount/mass/drug stores, cosmetics stores, barber & beauty shops, health & beauty spas, massage parlours.
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
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 5977 as their main code. Seen a different code? Report it.
For MCC 5977 (Cosmetic Stores) 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$50 bonus cashback per calendar month).
MCC 5977 is the merchant category code for Cosmetic Stores (Cosmetic Stores). Covers cosmetic stores selling makeup, skincare, fragrance and beauty products. Pharmacies and drugstores use 5912, and beauty salons providing services use 7230. Some department stores selling cosmetics use their own department store code instead, and online beauty retailers may be coded here or elsewhere.
Merchants in Singapore seen with MCC 5977 include Scentses + Co, 36 Celcius, Aesop, Bath & Body Works, Bobbi Brown, Etude House, Fancl, Forever Flawless. 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.