Urban Mood MCC Code

Best credit card for Urban Mood

1.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Selected Online Transactions: Department Stores and Retail Stores
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). MCC 5965 no longer earns (from 1 Oct 2024).
Terms checked 2026-10-01 · Issuer terms ·
4 mpd
2.UOB PRVI Miles Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.4 mpd
3.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.3 mpd

1.DBS Live Fresh Card
Shopping Spend (in-store and online, SG and overseas)
Cap S$50 bonus cashback per calendar monthMin spend S$800 eligible spend per calendar month
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 ·
6% cashback
2.UOB One Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.33% cashback

1.VPBank Lady Mastercard
Beauty care / Health care / Fashion / Entertainment
Cap VND 300,000 per statement (VND 150,000 below VND 15m spend)Min spend 15% if total spend is at least VND 15m per statement cycle; 7.5% below
The issuer's list includes 9405 (Intra-Government Purchases) and 5561 (Recreational and Utility Trailers, under Fashion); both are kept as published
Terms checked 2026-10-01 · Issuer terms ·
15% cashback
2.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback

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