Quick Comparison
| Card | Rate | Monthly Cap | Notes |
|---|---|---|---|
| HSBC Revolution | 4 MPD | Cap at $1,500 a month | Included in whitelist |
| OCBC Rewards | 4 MPD | Cap at $1,000 a month | Included in whitelist |
| UOB Preferred Platinum Visa | 4 MPD | Cap at $600 a month per spend type | Included in whitelist and not excluded |
| 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 |
| UOB Lady's Card | 4 MPD | Cap at $1,000 per calendar month per bonus category | Eligible under Fashion category |
| UOB Lady's Solitaire | 4 MPD | Cap at $750 per calendar month per bonus category | Eligible under Fashion category |
| UOB KrisFlyer | 2.4 MPD | Uncapped bonus | Eligible under Online Shopping category |
Detailed Card Analysis
HSBC Revolution
4 MPDMonthly Cap:Cap at $1,500 a month
Eligibility:Included in whitelist
OCBC Rewards
4 MPDMonthly Cap:Cap at $1,000 a month
Eligibility:Included in whitelist
UOB Preferred Platinum Visa
4 MPDMonthly Cap:Cap at $600 a month per spend type
Eligibility:Included in whitelist and not excluded
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
UOB Lady's Card
4 MPDMonthly Cap:Cap at $1,000 per calendar month per bonus category
Eligibility:Eligible under Fashion category
Special Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
UOB Lady's Solitaire
4 MPDMonthly Cap:Cap at $750 per calendar month per bonus category
Eligibility:Eligible under Fashion category
Special Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
UOB KrisFlyer
2.4 MPDMonthly Cap:Uncapped bonus
Eligibility:Eligible under Online Shopping category
💡 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 5699?
For MCC 5699 (Miscellaneous Apparel and Accessory Shops), we recommend HSBC Revolution for its 4 MPD rate with a Cap at $1,500 a month.
Do these cards earn rewards on both online and offline spending for MCC 5699?
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.