MCC 5999 · Miscellaneous and Specialty Retail Stores · Retail
For MCC 5999 (Miscellaneous and Specialty Retail Stores) in Singapore, the UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa) earns the most miles at 4 mpd (cap: Selected Online Transactions category: bonus UNI$1,080 per calendar month (= S$600 spend), shared across all three online MCC groups; since 1 Oct 2025), 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 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 ·
3.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
5.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
11.UOB Lady's Solitaire 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 5999 as their main code. Seen a different code? Report it.
For MCC 5999 (Miscellaneous and Specialty Retail Stores) in Singapore, the UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa) earns the most miles at 4 mpd (cap: Selected Online Transactions category: bonus UNI$1,080 per calendar month (= S$600 spend), shared across all three online MCC groups; since 1 Oct 2025), and the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$50 bonus cashback per calendar month).
MCC 5999 is the merchant category code for Miscellaneous and Specialty Retail Stores (Retail). MCC 5999 is a catch-all for miscellaneous and specialty retail stores not classified elsewhere, covering a wide range of goods from specialty gifts to online retail. Because it is so broad, many online retailers and niche shops use it. It is often confused with 5399 (miscellaneous general merchandise), which covers stores with mixed product ranges.
Merchants in Singapore seen with MCC 5999 include Banana Republic, Atlas, Toyomi, Atome, Giftano, Photobook Singapore, Carousell, Sim Lim Square. 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.