⚔️ Platform Comparison

Shopee vs Lazada vs TikTok Shop

Each platform uses a different MCC code, which means different credit cards earn bonus rewards on each. Find out where to use which card.

📋 MCC Code Breakdown

Shopee
MCC 5262
Marketplaces
Lazada
MCC 5311
Department Stores
TikTok Shop
MCC 5399
Miscellaneous General Merchandise

Shopee

MCC 5262View merchant page →

🏆 Cards earning 4 MPD on Shopee

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,500 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Not excluded

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200

Lazada

MCC 5311View merchant page →

🏆 Cards earning 4 MPD on Lazada

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,500 a month

OCBC Rewards

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Not excluded

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200

UOB Lady's Card

4 MPD

Eligible under Fashion category

Cap: Cap at $1,000 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

UOB Lady's Solitaire

4 MPD

Eligible under Fashion category

Cap: Cap at $750 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
Show other eligible cards (1)
UOB KrisFlyer2.4 MPD

TikTok Shop

MCC 5399View merchant page →

🏆 Cards earning 4 MPD on TikTok Shop

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,500 a month

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Not excluded

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Show other eligible cards (1)
UOB KrisFlyer2.4 MPD

📊 Quick Comparison Summary

Platform
MCC Code
Best Rate
Bonus Cards
Shopee
5262
4 MPD
5
Lazada
5311
4 MPD
8
TikTok Shop
5399
4 MPD
5

💡 Pro Tips for E-Commerce Rewards

  • Different MCC = different rewards. The same card may earn 4 MPD on Shopee but only 1 MPD on Lazada.
  • Check before big purchases. Platforms can change payment processors, which may change the MCC.
  • Watch spend caps. Bonus rates usually cap at a monthly spend limit.
  • Stack with platform vouchers. Maximize savings by combining card rewards with platform promos.
🔍 Search Any Merchant's MCC
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