What is Smart's MCC Code?
Smart uses MCC 0763 (Unknown MCC). This Merchant Category Code is used by credit card networks to classify transactions at Smart.
When you use your credit card at Smart, the transaction is tagged with MCC 0763. 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 Smart
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
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
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) at Smart:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Woman's World MasterCard
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at Smart
- Use the card with the highest bonus rate for MCC 0763
- 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