There are conditional cards that give you rewards on specific types of transactions. For instance, the Maybank Family and Friends awards a generous 8% cashback rate on dining (for now) while OCBC Titanium Rewards gives 4 mpd on electronics. Banks look at the Merchant Category Code (MCC) to determine such bonuses. Dining, for instance, is 5812. How do we know if a particular retailer or eatery fulfils the MCC? 1. Use WhatCard WhatCard is a pretty useful tool to check MCC of popular retailers and shops throughout Singapore. It also lists the cashback and mile cards you should use, although I must say that it’s often not entirely accurate so use it at your own risk. Still, it’s a quick and easy way to figure out a shop’s MCC. I’m not affiliated with them, and signing cards through their links benefits them, but I’m hoping that...