MCC 7321 · Credit Reporting Agencies · Credit/Finance
For MCC 7321 (Credit Reporting Agencies) in Singapore, 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.
2.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
4.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
10.UOB Lady's Solitaire 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 7321 as their main code. Seen a different code? Report it.
For MCC 7321 (Credit Reporting Agencies) in Singapore, the DBS Live Fresh Card gives the highest cashback at 6% (cap: S$50 bonus cashback per calendar month).
MCC 7321 is the merchant category code for Credit Reporting Agencies (Credit/Finance). Covers credit reporting agencies that compile and sell consumer and business credit reports and scores. Collection agencies use 7322. Transactions include one-off credit report purchases and recurring credit monitoring or identity protection subscriptions. Businesses also pay these agencies for credit checks on applicants and customers.
Merchants in Singapore seen with MCC 7321 include Credit Bureau SG. 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.