With dining-in on hiatus till June 13 at least, it looks like we’re all going to be ordering a lot more food delivery for the foreseeable future. If it’s any silver lining, there’s no shortage of cards you can use to rack up 4 mpd on such transactions.
|💳 What’s the Best Card for…|
|This guide forms part of the “best card” series. Check out other category specific guides below, or the overall guide here.|
|💗 Charitable Donations | 🏫 Education | 🥡 Food Delivery | 🏥 Hospital Bills | ☂️ Insurance | ⛽ Petrol | 🚍 Public Transport| 🚰 Utilities Bills|
Before that, there are two questions you need to address.
What MCC does food delivery come under?
Food Delivery Platform
If you’re ordering through one of the major food delivery platforms like GrabFood or Deliveroo, the MCC typically codes as MCC 5812/5814.
However, it gets a bit more tricky when dealing with the smaller players. Some of these code as logistics companies or digital services, presumably because they’re courier platforms which later pivoted to food delivery (e.g Maxima Logistics, which runs the Deliver.sg website).
|AirAsia Food||5812, 5814|
|WhyQ||5499, 5812, 5814|
The above is my best guess attempt, based on a mixture of personal experience and the Visa Supplier Locator. The specific MCC won’t really be an issue so long as you use a card that awards 4 mpd on all online transactions, however.
If you’re ordering through the restaurant directly, the MCC will be one of the following:
- MCC 5499: Misc. Food Stores
- MCC 5811: Caterers
- MCC 5812: Eating Places and Restaurants
- MCC 5813: Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns
- MCC 5814: Fast Food Restaurants
Do note that orders made through Oddle will be processed under the MCC of that particular restaurant.
Is the transaction processed offline or online?
With food delivery platforms, there’s no question. Your order will be processed online, end of story.
It can be slightly more dicey with restaurants. Most of the time, restaurants with website ordering systems should be processing the transaction online. However, you can’t rule out the possibility that they may capture the card details online and manually process the transaction offline. A good rule of thumb is that if you have to enter an OTP, the transaction is processed online. That said, the absence of an OTP is inconclusive- I’ve encountered situations where transactions were processed online despite the lack of an OTP.
Again, the distinction is important because certain cards (e.g DBS Woman’s World Card, Citi Rewards) award 4 mpd on online transactions only.
What cards should I use for dining?
The following cards will earn up to 4 mpd on all online transactions, including food delivery. They’re the simplest options because you don’t need to worry about specific MCCs.
|🖥️ 4 mpd on all Online Transactions|
|DBS Woman’s World Card||4 mpd||S$2K per
|Citi Rewards||4 mpd||S$1K per
|C. Month= Calendar Month | S. Month= Statement Month|
|⚠️ Take particular care with the Citi Rewards card. The Visa version has no issues with 10X on online food delivery, but Mastercard users have reported not getting 10X with Foodpanda & Deliveroo.|
The following cards can also earn up to 4 mpd on food delivery, but you need to be a bit more careful here with the MCCs and specific platforms supported.
|🍽️ 4 mpd on Specific MCC/ Merchants|
|4 mpd||No cap until 31 Aug 2021||Deliveroo, foodpanda, GrabFood, Oddle, WhyQ|
|UOB Pref. Plat. Visa||4 mpd||S$1.1K per
|MCC 5811, 5812, 5814, 5499, 5441, 5462,|
|UOB Lady’s Card||4 mpd*||S$1K per
|MCC 5811, 5812, 5814, 5499|
|UOB Lady’s Solitaire||4 mpd*||S$3K per
|HSBC Revolution||4 mpd||S$1K per
|MCC 5441, 5462, 5499, 5811, 5812, 5813, 5814|
|Maybank Horizon Visa||3.2 mpd#||S$4.3K per c. month||MCC 5812|
|AMEX KrisFlyer Ascend||3.2 mpd||S$200 per c. month||GrabFood|
|AMEX KrisFlyer Credit Card||3.1 mpd||S$200 per c. month||GrabFood|
|KrisFlyer UOB Card||3 mpd^|| No cap
||Deliveroo, foodpanda, GrabFood|
|C. Month= Calendar Month | S. Month= Statement Month
*Must select dining as quarterly 10X category
#Min. S$300 spend per c. month on anything
^Must spend ≥S$300 on SIA Group per membership year
With the UOB Lady’s Card and Lady’s Solitaire Card, you’ll earn 4 mpd so long as you chose dining as your quarterly 10X category, regardless of whether the transaction is processed online or offline.
The AMEX KrisFlyer Ascend and KrisFlyer Credit Card only earn bonus miles on GrabFood transactions, and the Maybank Horizon Visa Signature only on deliveries under MCC 5812 (i.e no fast food).
In addition to using the right card, be sure to check banking apps like UOB Mighty and DBS Lifestyle for food delivery coupons. These pop up with some regularity, and usually apply to both new and existing customers.