Tops MCC Code - What Category Does Tops Use?

Tops MCC Code - What Category Does Tops Use?

Best credit card for Tops

In Singapore (MCC 5411)

Top miles cards

1.UOB Lady's Card
Chosen bonus category: Family
Cap Bonus UNI$1,800 per calendar month (= S$1,000 spend)
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: Grocery stores, children's & infants' wear.
Terms checked 2026-09-24 · Issuer terms ·
4 mpd
2.UOB Lady's Solitaire Card
Chosen bonus category: Family
Cap Bonus UNI$1,350 (S$750 spend) per calendar month per selected category; max 2 categories (S$1,500/month total) since 1 Aug 2025
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: Grocery stores, children's & infants' wear.
Terms checked 2026-10-01 · Issuer terms ·
4 mpd
3.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Selected Online Transactions: Supermarkets, Dining and Food Delivery
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
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 ·
4 mpd

Top cashback cards

1.UOB One Card
Groceries (supermarkets/grocery stores)
Cap Additional cashback on all selected merchants combined capped at S$120 per statement monthMin spend Quarterly cashback requires, in EVERY statement month of the quarter, min. 10 transactions AND spend of S$600 (Tier 1: S$60/quarter), S$1,000 (Tier 2: S$100/quarter) or S$2,000 (Tier 3: S$200/quarter)
Additional 0% (Tier 1), 2.67% (Tier 2), 4.67% (Tier 3) on MCC 5411 since 1 Jul 2025 = 3.33% / 6% / 8% total. Replaced DFI Retail Group merchant bonus (ended 31 Jul 2025).
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
2.OCBC 365 Credit Card
Groceries
Cap Shared overall cap S$80/S$160 per monthMin spend S$800 per calendar month
In-store (SG and overseas) and online grocery under MCC 5411.
Terms checked 2026-10-01 · Issuer terms ·

All Singapore cards for MCC 5411

In Malaysia (MCC 5411)

Top cashback cards

1.CIMB Cash Rebate Platinum Credit Card
Groceries
Cap RM30 per month combined across the bonus categoriesMin spend 5% requires monthly statement balance of RM3,000 and above; 2% below RM3,000
Terms checked 2026-09-24 · Issuer terms ·
5% cashback

All Malaysia cards for MCC 5411

In Thailand (MCC 5411)

Top cashback cards

1.Krungsri First Choice Visa Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
2% cashback

All Thailand cards for MCC 5411

Based on published card terms; the MCC can differ by payment channel, so check your statement.