By The Boy Who Procrastinates – September 14, 2019

As a cardholder of CIMB VISA Signature (back when it was offering an epic 10% cashback at the start of the year), I have relied heavily on information from online forums, Facebook discussion groups and crowd-sourced Google Sheets to figure out whether a transaction falls nicely under the eligible spending category. 

With its t&c revamped in June, the CIMB VISA Signature has certainly fallen from grace in my opinion. Nevertheless, it is heartening to know that we can always count on crowdsourcing for the information we seek. 

This is especially so with the invariably vague and indefinite terms and conditions for credit cards and it can frustrating at times, trying to ascertain if your expenditure belongs to a particular category. 

Launched in May 2019, WhatCard aims to alleviate this issue through a comprehensive database of Merchant Category Code. 

Merchant Category Code (MCC) On a technical note,