ZA MCC Code - What Category Does ZA Use?

ZA MCC Code - What Category Does ZA Use?

Best credit card for ZA

In Singapore (MCC 5977)

Top miles cards

1.OCBC Rewards Card
PROMO: 15X OCBC$ at Watsons, Shopee, Lazada, TikTok Shop, Taobao
Cap Extra 5,000 bonus OCBC$ per calendar month (~S$1,000 spend), on top of the 10,000 regular bonus cap
Time-limited: 1 Jul 2026 to 31 Mar 2027. Adds 5 OCBC$ per S$1 (+2 mpd) to the 4 mpd rate. Shopee Pay under MCC 5262 and 6540 earns no OCBC$. MCC 5411 grocery purchases on Shopee and Lazada earn no OCBC$.
Terms checked 2026-10-01 · Issuer terms ·
6 mpd
2.UOB Lady's Card
Chosen bonus category: Beauty & Wellness
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: Discount/mass/drug stores, cosmetics stores, barber & beauty shops, health & beauty spas, massage parlours.
Terms checked 2026-09-24 · Issuer terms ·
4 mpd
3.UOB Lady's Solitaire Card
Chosen bonus category: Beauty & Wellness
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: Discount/mass/drug stores, cosmetics stores, barber & beauty shops, health & beauty spas, massage parlours.
Terms checked 2026-10-01 · Issuer terms ·
4 mpd

Top cashback cards

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

All Singapore cards for MCC 5977

In Thailand (MCC 5977)

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 5977

In Philippines (MCC 5977)

Top cashback cards

1.EastWest Visa Platinum
Select online stores
Cap Php 1,250 per cycle month (combined)
Merchant-based
Terms checked 2026-09-24 · Issuer terms ·
8.88% cashback
2.HSBC Live+ Credit Card
Shopping
Cap PHP 1,250 per statement cycle (combined)Min spend PHP 10,000 accumulated spend per statement
Terms checked 2026-09-24 · Issuer terms ·
5% cashback

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