Explained: Which MCCs are included in the UOB Lady’s Card “Travel” category

UOB does not publish an explicit list of MCCs under the UOB Lady's Cards' Travel category, but here's what you need to know.

As you no doubt know by now, the UOB Lady’s Cards received one heck of an enhancement earlier this month, with UOB Lady’s Card and UOB Lady’s Solitaire Cardholders now earning 6 mpd on their choice of one and two bonus categories respectively, capped at S$1,000 and S$3,000 per calendar month. 

Bonus categories can be rotated every calendar quarter if desired, and there are seven different categories to choose from.

💳 UOB Lady’s Card Bonus Categories
Category MCCs Description
(1) Beauty & Wellness 5912, 5977, 7230, 7231, 7298, 7297 Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlours
(2) Dining 5811, 5812, 5814, 5499 Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries
(3) Entertainment 5813, 7832, 7922 Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies
(4) Family 5411, 5641 Grocery stores, Children and Infants wear store
(5) Fashion 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948 Department Stores, Men’s and Boy’s Clothing and Accessories Store, Women’s Ready-to-wear Stores, Women’s Access and Specialty, Family Clothing Stores, Sports and Riding Apparel Stores, Shoes Stores, Men’s and Women’s Clothing Stores, Miscellaneous Apparel and Accessories Shops, Luggage and Leather Stores
(6) Transport 4111, 4121, 4789, 5541, 5542 Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers
(7) Travel Credit card retail transactions made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only
Bonuses apply regardless of whether transactions are in SGD or FCY

While most categories are defined explicitly, there’s one that’s very poorly defined: travel.

How does UOB define “travel”?

In the UOB Lady’s Card T&Cs, travel is defined as:

Credit card retail transaction(s) made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only. (including card not-present transactions like ecommerce/mail/phone order transactions)

That’s not very illuminating, to say the least. Unlike the other categories, no specific MCCs are provided.

To make matters more confusing, the UOB Lady’s Card website defines travel as:

Travel comprises of airlines, hotels & resorts bookings and duty-free stores.

Note the addition of duty-free stores, which don’t appear in the T&Cs. 

The landing page goes on to provide some specific merchant names:

✈️ Travel Merchants for UOB Lady’s Card
  • Agoda
  • AirAsia
  • Airbnb
  • ANA
  • Cathay Pacific
  • Chan Brothers Travel
  • Emirates
  • EU Holidays
  • EVA Air
  • Expedia
  • Hotels.com
  • Jetstar Airways
  • Korean Air
  • Klook
  • Royal Caribbean International
  • Scoot
  • Singapore Airlines
  • THAI Airways
  • UOB Travel Planners

Note how all of a sudden cruise liners and travel agencies pop up too! I’m not complaining — it’s certainly good that the net is growing wider — but it makes the scanty T&Cs all the more frustrating. 

Obviously, UOB does have an MCC list to refer to on their backend (how else would they award bonuses?), but for whatever reason, they’ve decided against publishing it.

However, they have shown me the actual list (which I can’t publish, sorry), and based on that I’ve been able to piece together the following.

⚠️ Disclaimer

UOB’s standard disclaimer applies: “MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant’s registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.”

I’d also like to add that any specific examples I include below, apart from those which specifically appear on the UOB Lady’s Card website, are my own extrapolations and not necessarily endorsed by UOB. 

✔ Included in Travel category

Airlines (MCC 3000-3299, 4511, 4582)

Airlines code as MCC 3000-3299, 4511, 4582, and UOB says that all “major airlines” will qualify for bonuses.

What is a “major airline”? Based on the MCC list I’ve seen, I can confirm it’s pretty much any airline you can book a ticket with.

The excluded MCCs in this range are mostly companies that no longer exist (and that I’m really surprised still have MCCs), such as:

  • MCC 3002 Pan American (ceased operations 1991)
  • MCC 3061 Continental Airlines (ceased operations 2012- merged into United)
  • MCC 3071 Air British Columbia (ceased operations 2002)

There are a few excluded airlines that still operate, but I highly doubt you’ll ever set foot on:

  • MCC 3094 Zambia Airways 
  • MCC 3135 Sudan Airways

So I can’t think of any realistic scenario (short of booking a charter flight maybe?) where you’d buy an air ticket and not earn bonus points.

Cruise Liners (MCC 4411)

Cruise liners code as MCC 4411, and are included as part of the UOB Lady’s Card Travel category.

This includes Royal Caribbean International (mentioned explicitly on the UOB Lady’s Card website), Carnival Cruises, Celebrity Cruises, Holland America, Norwegian Cruise Lines, Resorts World Cruises, Virgin Cruises etc.

Duty-free Stores (MCC 5309)

Duty-free stores code as MCC 5309, and are included as part of the UOB Lady’s Card Travel category.

This would include DFS, Dufry, Heinemann, KrisShop, Lotte, The Shilla Duty Free etc.

Hotels (MCC 3500-3999, 7011)

Hotels code as MCC 3500-3999 & 7011, and UOB says that all “major hotels” will qualify for bonuses.

Again, making reference to the MCC list I’ve seen, I can say you have nothing to worry about as the excluded MCCs mostly refer to chains that have gone out of business, or have been acquired by larger ones.

Perhaps the only exclusion worth flagging is MCC 3627 Extended Stay America, a budget chain with 650 locations across the USA and Canada. 

Do note that Airbnb is explicitly mentioned on the UOB Lady’s Card website. These transactions can code under two different MCCs (4722 or 7011), but both are included for the Travel category.

Online Travel Agencies (MCC 4722)

Online travel agencies code as MCC 4722, and are included as part of the UOB Lady’s Card Travel category.

This includes Agoda, Expedia, Hotels.com and Klook (mentioned explicitly on the UOB Lady’s Card website), Booking.com, Trip.com, Kayak, Traveloka etc.

Regular Travel Agencies (MCC 4722)

Offline travel agencies also code as MCC 4722, and are included as part of the UOB Lady’s Card Travel category.

This includes Chan Brothers & EU Holidays (mentioned explicitly on the UOB Lady’s Card website), CTC Travel, Dynasty Travel, Nam Ho, New Shan Travel, SA Travel, WTS Travel etc.

✖ Not included in Travel category

Airport Transfers, Private Hire Cars, Taxis (MCC 4121)

Airport transfers, private hire cars and taxis code under MCC 4121, and are not included as part of the UOB Lady’s Card Travel category

4121 is already covered under the Transport category for the UOB Lady’s Card. 

Bus Liners (MCC 4131)

Bus liners code under MCC 4131, and are not included as part of the UOB Lady’s Card Travel category (e.g. BoltBus, Greyhound, MegaBus, Peter Pan).

Rental Cars (MCC 3000-3499)

Rental car providers code as MCC 3000-3499, and are not included as part of the UOB Lady’s Card Travel category (e.g. Avis, Enterprise, Europcar, Hertz, Sixt).

Trains (MCC 4111/4112)

Trains fall into two main MCCs:

  • 4111 (Transportation-Suburban and Local Commuter Passenger)
  • 4112 (Passenger Railways)

MCC 4111 is typically used for intra-city public transport (e.g. riding the local bus/MRT equivalent), and is not included under the UOB Lady’s Card’s Travel category (it falls under the Transport category instead).

MCC 4112 is typically used for inter-city trains (e.g. Shinkasen, Trenitalia, Eurostar), and is not included under the UOB Lady’s Card’s Travel category. 

How do you check the MCC?

When dealing with a big-ticket expense like travel, it might be a good idea to check the MCC before spending.

If you’re uncertain about the MCC, here’s three ways you can check it before making a purchase.

Method Ease of Use Reliability
HeyMax ●●●
📱 Instarem app ●● ●●
🤖 DBS digibot

For a detailed guide, refer to the following article.

How to check Merchant Category Codes (MCCs) before making a purchase


UOB does not provide an explicit MCC range for the Travel category, but hopefully this article helps shed some light on what transactions do and do not earn bonuses. 

The tl;dr is:

✅ Yes ❌ No
  • Airlines
  • Cruise liners
  • Duty-free
  • Hotels
  • Travel agencies (online and offline)
  • Airport transfers
  • Buses
  • Rental cars
  • Taxis
  • Trains

Final note: while I welcome comments, there’s not much point asking “will merchant X earn bonuses”, because you can assume my answer will be “yes, if it falls under the relevant MCC”.

Most of the time, MCCs will code exactly the way you suspect they will, but there can be the odd occasion when they go haywire. When in doubt, always check via the method I described above.

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

Similar Articles



Notify of

Inline Feedbacks
View all comments

Hi! How about club med bookings? Is that considered under Travel category?


Hi Aaron, does MCC 5309 fall under Travel category then?


Bro did you just skip straight to the comments?

Duty-free Stores (MCC 5309)Duty-free stores code as MCC 5309, and are included as part of the UOB Lady’s Card Travel category.


Why would UOB not publish the list, and also decide it’s okay for you to see the list?


OMFG rental cars are excluded??!!! FFS


What about hotels by Disneyland, Legoland, etc?


Amazing that a gender discriminatory card can continue to exist in this day and age. Imagine if it were a men only card, the outrage would be global news. Shame on UOB, I wouldn’t give them a penny of my spend



Not in transit most likely

You must be fun at parties..


Hi can I check what will hotel banquet dinner e-payment by classified under travel? Am worried as it was stated at retail spend?


Hi Aaron, can we couple this card with the Amaze card assuming the MCC is covered under Travel? Planning to charge IHG and GHA hotels in Japan with Amaze card coupled with UOB lady’s card


Hey, I did the same assuming it’ll work but haven’t gotten the bonus miles till now. Any news on your end?


Hi, any updates on this? whether u received bonus miles?


Hey Aaron, thanks for the article. Do you know if payment via Google pay or Amaze still gets miles for the ladys cards?

Car Renter

Hey guys, any tips what card to use for car rental then?


Hi Aaron! Do we know if the lady’s card (travel) would qualify for 6mpd if we use it to purchase miles (eg Alaska Milage)?


Hey Aaron, wanted to check if you know for sure 7011 is included? Coz you did point out that “These transactions can code under two different MCCs (4722 or 7011), but both are included for the Travel category”, but 7011 isn’t listed anywhere else in this post (to my knowledge), and its not on your other blogpost about the Lady’s Card either. Kinda concerned coz i use Booking.com a lot and unlike Airbnb/Expedia which is under 4722, Booking.com is under 7011

Xuan Serena

how about MCC code 4511? some major airlines also fall under this MCC code.


Does using the Grab app code under the Food category or Travel category or none?


Hi Aaron, can you kindly send me the MCC list for personal reference (I won’t share publicly) please??

Alffy Ong

Hi, would it count as travel if i had booked a car rental via Klook?


FYI I booked a rental car under Booking.com and it codes as 4121 (Transportation usually)!


Hi Aaron, I paid for a hotel reservation online with UOB Lady’s MC + Amaze, which coded as 5999. Will this qualify for 6mpd under the Travel category? Have to book a second room and trying to decide which card to use. Thanks!


Can anyone confirm if trip.com is part of the list of OTAs for uob lady’s?
I’ve made multiple bookings on trip.com specifically but did not get any travel bonus uni$.
When I spoke to their customer agent, they listed that there are only 7 eligible travel agents on their travel category:
Booking.com, Expedia, Agoda, Zuji, Uob travel, Chan bros and Dynasty.

If anyone has been awarded uni$ for their trip.com transaction, please let me know so I can make an appeal.


MCC 3802 – Palace Hotel not considered under Travel 🙁


Does anyone know if Klook is really categorized under MCC 4722?

Last edited 5 months ago by Mel

Regarding “Online Travel Agencies (MCC 4722)”. I have a trip.com transaction that wasn’t awarded the additional and bonus UNI$. Same for a transaction from ctrip.com (coming in as Shanghai huacheng). It has been 5 days since the transaction posted date… Just putting it out here..


Restaurant in a hotel would it normally be tagged as Travel or Dining?