What is Transport For Nsw's MCC Code?
Transport For Nsw uses MCC 4111 (Local/Suburban Commuter Passenger Transportation). This Merchant Category Code is used by credit card networks to classify transactions at Transport For Nsw.
When you use your credit card at Transport For Nsw, the transaction is tagged with MCC 4111. 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 Transport For Nsw
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 Transport 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 Transport 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 Transport For Nsw:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
Tips for Maximizing Rewards at Transport For Nsw
- Use the card with the highest bonus rate for MCC 4111
- 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