What is Palm Garden's MCC Code?
Palm Garden uses MCC 5812 (Eating Places, Restaurants). This Merchant Category Code is used by credit card networks to classify transactions at Palm Garden.
When you use your credit card at Palm Garden, the transaction is tagged with MCC 5812. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Best Credit Cards for Palm Garden
HSBC Revolution
4 MPDIncluded in whitelist
Cap: Cap at $1,500 a month
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Cap: Cap at $600 a month per spend type
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
UOB Visa Signature
4 MPDNot excluded
Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
UOB Lady's Card
4 MPDEligible under Dining 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 MPDEligible under Dining 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.
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) at Palm Garden:
✗OCBC Rewards
Tips for Maximizing Rewards at Palm Garden
- Use the card with the highest bonus rate for MCC 5812
- Track monthly caps to avoid missing out on bonus rewards
- Check if contactless vs inserted card affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different spending categories
Related Merchants
These merchants use the same MCC code (5812) as Palm Garden: