What MCC code does Grab use for credit card transactions?
Grab is the leading superapp in Southeast Asia, offering ride-hailing, food delivery (GrabFood), grocery delivery (GrabMart), and digital payments (GrabPay). Different Grab services use different MCC codes.
Understanding Grab's MCC codes helps you: - **Maximize Rewards**: Know which card to use for different Grab services - **Track Expenses**: Separate transport, food, and other Grab spending - **Claim Reimbursements**: Properly categorize business travel expenses
1.UOB Lady's Card
Chosen bonus category: Transport
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: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-09-24 路 Issuer terms 路
2.UOB Lady's Solitaire Card
Chosen bonus category: Transport
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: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-10-01 路 Issuer terms 路
3.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Grab Singapore (Grab mobile app)
1.2 base + 0.8 bonus; bonus awarded as 8 miles per S$10 block of cumulative monthly Grab spend. Excludes GrabPay top-ups.
Terms checked 2026-10-01 路 Issuer terms 路
1.UOB One Card
Grab (GRAB*), McDonald's, Shopee Singapore, SimplyGo bus/MRT
Additional 5% (Tier 1 and 2) or 6.67% (Tier 3) on top of the 3.33% quarterly cashback = 8.33% / 10% total. Only paid if the quarterly cashback is earned. Merchant/descriptor-based.
Terms checked 2026-09-24 路 Issuer terms 路
2.DBS Live Fresh Card
Transport Spend (public transport, ride-hailing, taxis; SG and overseas)
0.3% base plus 5.7% bonus. MCC 7511 was removed from the list from 1 Dec 2025. EZ-Link, TRANSIT and FLASHPAY ATU top-ups are excluded by merchant name.
3.Garuda BNI Visa Signature Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 路 Issuer terms 路
1.Sacombank Visa UNIQ Platinum
Ride-hailing / transport apps
Reference merchants: Be, Grab, Mai Linh, Xanh SM, GSM, Vexere, Futa, Superdong
Terms checked 2026-09-24 路 Issuer terms 路
2.TPBank EVO Visa
Preference package 1: Transport
Choose one of 4 packages in the EVO app; not combinable with the online-cashback programme
Terms checked 2026-09-24 路 Issuer terms 路
Based on published card terms; the MCC can differ by payment channel, so check your statement.
Grab uses different MCC codes for different services: GrabCar/GrabTaxi typically use 4121 (Taxicabs/Limousines), GrabFood uses 5812 (Restaurants), and GrabPay top-ups may use 6540 (Stored Value Load).
Yes, GrabFood orders typically use MCC 5812 (Restaurants/Eating Places), which qualifies for dining category bonuses on most credit cards.
Primary MCC
4121
Category
Transportation
Total MCC Codes
1
Available In
2 regions
Data source
Curated by MCC Explorer
Saw a different MCC for Grab on your statement?
Report the MCC you sawTerms checked 2026-09-24 路 Issuer terms 路
3.OCBC 365 Credit Card
Dining and food delivery
MCC 5811/5812 in-store (SG and overseas) and online. Foodpanda, GrabFood and Deliveroo qualify under MCC 5811, 5812 or 5814. MCC 5814 counts ONLY for those delivery brands. Hotel dining, wedding banquets and phone/mail orders earn only the 0.25% base. MCC 5813 (bars) is not eligible.
Terms checked 2026-10-01 路 Issuer terms 路
1.BCA Blibli Tiket Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 路 Issuer terms 路
No rewards on this code: Mega Travel Card, Transmart Mega Card.
3.HSBC Cash Back Credit Card
Supermarkets, grocery stores, taxi & limousine
8% (6% + extra 2%) if the cardholder has an HSBC payroll account with eligible salary inward payments from VND 10,000,000/month; cap is per calendar month, not billing cycle
Terms checked 2026-09-24 路 Issuer terms 路