Quick Comparison
| Card | Rate | Monthly Cap | Notes |
|---|---|---|---|
| HSBC Revolution | 4 MPD | Cap at $1,500 a month | Included in whitelist |
| 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 |
| OCBC Rewards | 1 MPD | - | Not in whitelist |
| UOB Preferred Platinum Visa | 1 MPD | - | Excluded in blacklist |
| UOB Visa Signature | 1 MPD | - | Excluded in blacklist |
| 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
HSBC Revolution
4 MPDMonthly Cap:Cap at $1,500 a month
Eligibility:Included in whitelist
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
💡 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 5965?
For MCC 5965 (Direct Marketing - Combination Catalog and Retail Merchant), 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 5965?
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.