Understanding Watsons MCC Codes
Watsons is Singapore's leading health and beauty retailer. In-store purchases code as MCC 5912 (Drug Stores), while online orders may code as MCC 5399 (General Merchandise). Online Watsons purchases qualify for online shopping bonuses.
Watsons MCC Codes
| Platform | MCC Code | Category |
|---|---|---|
| Watsons | 5912 | Drug Stores / General Merchandise |
| Watsons | 5399 | Drug Stores / General Merchandise |
Best Credit Cards for Watsons
1. HSBC Revolution
Rewards Rate: 4 MPD
Eligible: Included in whitelist
Spend Cap: Cap at $1,500 a month
View all cards for MCC 59122. UOB Preferred Platinum Visa
Rewards Rate: 4 MPD
Eligible: Included in whitelist and not excluded
Spend Cap: Cap at $600 a month per spend type
View all cards for MCC 59123. Citibank Rewards MasterCard
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Cap at $1,000 a month
Conditions: Online spend only - excludes travel-related MCCs (3000-3999 range)
View all cards for MCC 59124. Woman's World MasterCard
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Cap at $1,000 a month
Conditions: Online spend only
View all cards for MCC 59125. UOB Visa Signature
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Conditions: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
View all cards for MCC 59126. UOB Lady's Card
Rewards Rate: 4 MPD
Eligible: Eligible under Beauty & Wellness category
Spend Cap: Cap at $1,000 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 59127. UOB Lady's Solitaire
Rewards Rate: 4 MPD
Eligible: Eligible under Beauty & Wellness category
Spend Cap: Cap at $750 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 59128. UOB KrisFlyer
Rewards Rate: 2.4 MPD
Eligible: Eligible under Online Shopping category
Spend Cap: Uncapped bonus
Conditions: Min S$1,000 annual spend on SIA Group required to unlock Accelerated Miles. Categories: Dining & Food Delivery, Online Shopping, Transport, and Online Travel (selected merchants).
View all cards for MCC 5912Cards That Do NOT Earn Bonuses on Watsons
- OCBC Rewards — Not in whitelist
Tips to Maximize Watsons Rewards
- Use UOB PPV for 4 MPD on Watsons online orders
- In-store purchases at MCC 5912 may not earn bonuses on all cards
- Stack with Watsons member points for extra savings
Frequently Asked Questions
Last Updated: April 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.