Saving & Spending
Guide: How to Check Merchant Category Code (MCC)
By Sethisfy  •  April 1, 2021
Knowing the Merchant Category Code (MCC) is useful to help us meet the requirements of conditional cards. Citi Cash Back, for instance, gives its high 8% on groceries, and such transactions must be tagged as MCC 5411. If you buy groceries for a shop that isn’t categorised under this MCC, you will not get your 8% cashback. How then do we know if a particular grocery store fulfils the MCC? Visa Supplier Locator There were a few methods here and there to find out the MCC previously, but they weren’t very elegant nor convenient. Thankfully, we now have the Visa Supplier Locator that’d help us conveniently identify the MCCs of merchants. To use the tool:
  • Type in Singapore (don’t press enter or select any location) for the city
  • Type in the name of the merchant under Supplier Name
  • Leave everything else alone and input the CAPTCHA to submit the form
You’d then get a list of merchants that match the search query you’ve typed in, along with the MCCs:...
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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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