Quick Comparison
| Card | Rate | Monthly Cap | Notes |
|---|---|---|---|
| Citibank Rewards MasterCard | 4 MPD | Cap at $1,000 a month | Not excluded |
| Woman's World MasterCard | 4 MPD | Cap at $1,000 a month | Not excluded |
| UOB Visa Signature | 4 MPD | Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY | Not excluded |
| HSBC Revolution | 1 MPD | - | Not in whitelist |
| OCBC Rewards | 1 MPD | - | Not in whitelist |
| UOB Preferred Platinum Visa | 1 MPD | - | Not in whitelist |
| UOB Lady's Card | 1 MPD | - | Not in whitelist |
| UOB Lady's Solitaire | 1 MPD | - | Not in whitelist |
| UOB KrisFlyer | 1 MPD | - | Not in whitelist |
Detailed Card Analysis
Citibank Rewards MasterCard
4 MPDMonthly Cap:Cap at $1,000 a month
Eligibility:Not excluded
Special Conditions: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDMonthly Cap:Cap at $1,000 a month
Eligibility:Not excluded
Special Conditions: Online spend only
UOB Visa Signature
4 MPDMonthly Cap:Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Eligibility:Not excluded
Special Conditions: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
💡 How to Choose the Right Card
- • Highest rate: Choose 4 MPD cards for maximum rewards
- • Check caps: Ensure your monthly spending fits within the cap
- • Read conditions: Some cards require contactless or mobile wallet
- • Consider FCY: Foreign currency transactions may have different rules
Frequently Asked Questions
Which card should I use for MCC 5451?
For MCC 5451 (Dairy Products Stores), we recommend Citibank Rewards MasterCard for its 4 MPD rate with a Cap at $1,000 a month.
Do these cards earn rewards on both online and offline spending for MCC 5451?
Check the special conditions for each card. Some cards like PPV have different rules for online vs offline transactions, while others like UOB Visa Signature work the same for both.
What happens if I exceed the monthly cap?
Once you hit the monthly cap, additional spending on that MCC earns the base rate (usually 1 MPD or 0.4% cashback). Consider using a secondary card to continue earning bonus rewards.