Food delivery has become an essential part of everyday life, and if you’re going to spend on it anyway, you might as well earn some miles while you’re at it.
In this guide, we’ll look at how food delivery platforms typically code, which cards offer the highest earn rates, and how to stack additional rewards through platforms like HeyMax.
What MCC does food delivery code as?
With the exit of Deliveroo in March 2026, there are basically three food delivery options left in Singapore.
FoodPanda and GrabFood have historically used MCCs 5812 and 5814, but have progressively migrated to 5814 in recent years (probably because of the preferential fees offered for this MCC, which in any case have been sunset). Oddle Eats may still code as 5812 or 5814, depending on the situation.
| Platform | MCC |
 FoodPanda |
5814 |
 GrabFood |
5814 |
 Oddle Eats |
5812 and 5814 |
Larger fast food players like McDonald’s and Domino’s run their own delivery services, which code as MCC 5814.
In case you’re uncertain about the MCC, there are three ways of looking it up before making a purchase:
| Method | Ease of Use | Reliability |
| ❓HeyMax | ●●● | ● |
| 📱 Instarem App | ●● | ●● |
| 🤖 DBS digibot | ● |
●●● |
| Note: “Ease of use” and “reliability” are all relative. HeyMax already provides a solid baseline for reliability, and the DBS digibot is still simple enough to use, despite requiring more steps than the other two methods. | ||
What cards should I use for food delivery?
The simplest cards to use for food delivery are the ones which offer 4 mpd on all online transactions (aka blacklist cards). This way, you don’t need to worry about specific MCCs.
| 🥡 Best Cards for Food Delivery (Blacklist) |
||
| Card | Earn Rate | Remarks |
 Citi Rewards CardApply |
4 mpd |
Max S$1K per s. month Review |
 DBS Woman’s World CardApply |
4 mpd |
Max S$1K per c. month Review |
However, if you prefer to conserve your blacklist bonus caps for other types of spending, there are also cards which specifically reward food delivery.
| 🥡 Best Cards for Food Delivery (Whitelist) |
||
| Card | Earn Rate | Remarks |
 DBS yuu CardAMEX Visa |
10 mpd | FoodPanda only. Min. S$800, max S$823 per c. month Review |
 Maybank XL Rewards CardApply |
4 mpd | Min. S$500, max S$1K per c. month Review |
 HSBC RevolutionApply |
4 mpd | ⚠️ Excludes MCC 5814 Max S$1K per c. month Review |
 UOB Lady’s CardApply |
4 mpd |
Max S$1K per c. month. Must choose Dining as bonus category Review |
 UOB Lady’s SolitaireApply |
4 mpd |
Max S$750 per c. month. Must choose Dining as bonus category Review |
 UOB Preferred VisaApply |
4 mpd |
Max S$600 per c. month Review |
 StanChart Journey CardApply |
3 mpd |
Max S$1K per s. month. SGD only Review |
 KrisFlyer UOB Credit CardApply |
2.4 mpd |
No cap. Min. S$1K spend on SIA Group in m. year Review |
 AMEX KrisFlyer AscendApply |
2 mpd |
GrabFood only. Max S$200 per c. month Review |
 AMEX KrisFlyer Credit CardApply |
2 mpd |
GrabFood only. Max S$200 per c. month Review |
| C. Month= Calendar Month | S. Month= Statement Month | M. Year= Membership Year | ||
A few important points to note.
You need to exercise caution with the HSBC Revolution, which removed MCC 5814 from its bonus whitelist in May 2024. This basically removes it from the equation for GrabFood and FoodPanda.
If you want to use this card nonetheless, read below for a workaround.
When using the Citi Rewards with food delivery apps, always pay with the card directly, and not through an intermediary like Apple or Google Pay. The Citi Rewards does not earn 4 mpd for in-app mobile wallet transactions (in-person mobile wallet transactions, however, are fine).
I also want to give a special shout-out to the GXS Credit Card. While I haven’t mentioned it in the table above, it’s by far the best option if you’re spending on GrabFood overseas.
Not only are there no FCY transaction fees, cardholders earn 50 GrabCoins per S$1, equivalent to a 10% rebate or 3.85 mpd. I’d go with the rebate, unless you value a KrisFlyer mile at more than 2.6 cents each.
What about subscriptions?
A GrabUnlimited subscription codes as MCC 5812 on Visa, and MCC 4121 on Mastercard.
MCC 4121 is part of the Transport category, so take note if your recurring subscription is paid with the UOB Lady’s Card or UOB Lady’s Solitaire Card.
PandaPro subscriptions code as MCC 5812 on both Visa and Mastercard.
Additional stacking opportunities
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| Get 200 Max Miles when you open an account and complete your first transaction |
| Get a HeyMax Account |
Instead of spending directly on the food delivery platform, you could buy vouchers through HeyMax to earn additional Max Miles on your purchase.
| Merchant | Earn Rate (subject to change) |
| FoodPanda | 0.6 Max Miles per S$1 |
| Grab | 2.2 Max Miles per S$1 |
| Oddle Eats | 3.2 Max Miles per S$1 |
Purchases of vouchers via HeyMax code as MCC 5311, which allows you to use the HSBC Revolution without worrying about the possibility of a transaction coding as MCC 5814, plus the following cards.
| 💳 Best Cards for HeyMax Vouchers (MCC 5311) |
||
| Card | Earn Rate | Remarks |
| Citi Rewards Card Apply |
4 mpd | Max S$1K per s. month Review |
| DBS Woman’s World Card Apply |
4 mpd | Max S$1K per c. month Review |
| HSBC Revolution Card Apply |
4 mpd | Max S$1K per c. month Review |
 OCBC Rewards CardApply |
4 mpd | Max S$1.1K per c. month Review |
| UOB Lady’s Card Apply |
4 mpd | Max S$1K per c. month, must choose Fashion as bonus category Review |
| UOB Lady’s Solitaire Apply |
4 mpd | Max S$750 per c. month, must choose Fashion as bonus category Review |
| UOB Preferred Visa Apply |
4 mpd | Max S$600 per c. month Review |
| KrisFlyer UOB Credit Card Apply |
2.4 mpd | Min. S$1K SIA Group spend per m. year. No cap Review |
| C. month = Calendar month | S. month = Statement month | M. Year = Membership Year | ||
Do note that if you’re using the UOB Lady’s Card, you’ll need to choose Fashion as your bonus category rather than Dining.
Max Miles can be transferred to the following airline and hotel partners.
| ✅ HeyMax Transfer Partners All 1:1 unless otherwise stated |
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| ✈️ Airlines | |
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| 🏨 Hotels | |
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Conclusion
Food delivery expenses can add up quickly, but there are plenty of opportunities to earn bonus miles on this category.
FoodPanda users with a DBS yuu Card can earn a market-leading 10 mpd, provided they meet the S$800 minimum spend (which remember, need not be on FoodPanda alone). For everyone else, there’s a wide variety of cards offering 4 mpd, including the Maybank XL Rewards, UOB Lady’s Card and UOB Preferred Visa.
Blacklist cards like the Citi Rewards and DBS Woman’s World Card can also get the job done, but since food delivery is widely rewarded, bigger spenders are better off saving those flexible caps for other types of transactions.
Don’t forget to squeeze out a little extra by buying vouchers through HeyMax, which offers Max Miles on top of credit card rewards, and turns the HSBC Revolution into a viable option.
My Citibank rewards MC doesn’t give me 10X points for Foodpanda, Deliveroo and Redmart. Every month I have to call and argue with the CSO for point adjustments even though they have already done it many times before. And the bank says they can’t fix this because for some reason the online apps MCC are not Online. Really frustrating for me, I’m considering to cancel this card. Anyone else experiencing the same issue?
ah yes, the Citi rewards MC problems. i’d better put in something to point that out.
does it still have this issue?
I’d counter with “Don’t pay the food delivery company directly”.
My way to go:
Shopback (1-4%) -> Shopee -> Foodpanda 12% off (or Grab 15% off but their delivery fees are all over the place) -> 4mpd CC (=7.2%)
Vouchers are issued instantly for a total of 20-25% off. Works with the OCBC card for 8mpd as well, but I haven’t pulled the trigger yet 🙂
That’s exactly what I did for most of the time unless there is a good discount voucher to use.
thanks for the tip!
nice!
I have been using the shopee > Grabfood voucher for 8mpd. You can also use this for Grab rides. Since using your ocbc titanium card on Grab directly won’t earn you 8mpd.
You get a bigger discount on Shopback for food delivery vouchers 8-10%
How about the unicorn card?
Anyone has experience paying for online delivery via the Getzpay mode? Is it considered an online transaction? Thinking of using Dbs women world
Aaron, if there is a problem with Citi Rewards MC for deliveroo, food panda, etc. in getting 4 miles per dollar, does it happen to DBS WWMC too since it is also a MC version?
no, it doesn’t. hence the confusion.
Based on DBS virtual assistant, I found out the following (as of 8 July 2020) with WWMC:
Deliveroo & Grabfood – MCC 5814
Foodpanda – MCC 5812
My recent transactions on Grabfood & Foodpanda earned 10x on CRMC. Seems like there are different outcomes for different people using CRMC for these merchants.
For Odddle, would DBS Womens card get 4mpd, as it is processed via stripe online or would HSBC Revo be the better one?
both should be fine (caveat: haven’t tested)
I’m not sure if there has been changes to the MCC recently, but WWMC does not award 4mpd for WhyQ. The CSO claims that it is under professional services.
that’s…odd. let me see what i can find out about this.
so i asked DBS about this, and they said that WhyQ should be coded under dining MCC. if that doesn’t happen, you can ask the CSO to file an appeal and they will take a look at the case.
Thanks for checking. The last I used was in Aug 2020. Prior to that, I had to appeal every month and finally in Sep 2020, they claimed it was coded under Professional Services and refused my appeal. From then on, I stopped using WWMC for WhyQ.
What about HSBC revolution?
OCBC 365 is now processing orders placed via Oddle via MCC 5734 and no longer under the MCC of that particular restaurant (usually 5812). This means cardholders no longer qualify for dining rebates.
Anyone experience similar issues with Oddle transactions?
I just gotten the same response from Citibank. A recent Sept Oddle transaction is processed as MCC 5734 and no longer counted as dining.
Do take note of the above!
Hi, just sharing that my ShopBack vouchers for Deliveroo displayed 7299 for the mcc instead of 5812.
I got “MISCELLANEOUS PERSONAL SERVICES” using DBS digibot method. Could not identify the MCC from Citi’s MCC list but the description seems to fit 7XXX MCC more than 5XXX
Sorry just wondering isn’t 18% of $600 going to be $108? $78 is the extra 13% bonus in addition to the usual 5% bonus?
“This requires a minimum spend of S$600 (which can be on any retail transactions, not just foodpanda), and the 18% rebate is capped at S$78 per calendar month”
yup that’s right, have fixed.
Hi Aaron, would be quite interested to read a “What’s the best card for..” article for car rentals. Reason for that is it can be quite a big chunk of overseas spending, and as far as I know, there are no 4mpd Amaze options for this category, so this would fall under the foreign currency or gen spend card + Amaze? Thanks!