Lazada is one of Singapore's leading e-commerce platforms, and using the right credit card can earn you significant rewards on your purchases. This guide explains Lazada's Merchant Category Codes (MCC) and which cards maximize your rewards.
Understanding Lazada MCC Codes
MCC 5311 stands for "Department Stores" and is primarily used by LazMall and official brand stores on Lazada Singapore.
MCC 5399 stands for "Miscellaneous General Merchandise" and is used for RedMart, grocery deliveries, and many third-party sellers on the platform.
These MCC codes cover:
- Regular Lazada purchases from all sellers
- LazMall purchases (official brand stores)
- RedMart grocery deliveries
- Most third-party sellers on the platform
Best Credit Cards for Lazada
1. DBS Woman's World Card (DBS WWMC) - Best Overall for Lazada
Rewards Rate: 4 MPD = 10X DBS Points on online shopping
Key MCC: 5311, 5399 (Department Stores / General Merchandise - Lazada)
Why It's Best for Lazada:
- Earns 10X rewards (4 miles per $1) on ALL online shopping including Lazada
- No rewards cap on online purchases
- Covers both LazMall and general Lazada purchases
- Also earns on RedMart grocery deliveries
Key Considerations:
- Best for online transactions regardless of MCC
- Annual fee: $192.60 (waived first year)
2. Citi Rewards Card - Strong Online Shopping Rewards
Rewards Rate: 4 MPD = 10X Citi Points on online shopping
Key MCC: 5311, 5399 (all online shopping)
Why It's Great for Lazada:
- Earns 4 MPD on all online shopping including Lazada
- No minimum spend required to earn bonus rates
- Great for LazMall brand purchases
- No rewards cap on bonus points
Key Considerations:
- Must use mobile wallet (Apple Pay/Google Pay) or online for bonus rates
- Annual fee: $192.60 (waived first year)
3. HSBC Revolution - Good Alternative
Rewards Rate: 4 MPD on online shopping, dining, and travel
Key MCCs: 5311, 5399, 5812, 5814
Why It's Good for Lazada:
- Consistent 4 MPD on all online shopping including Lazada
- No minimum spend requirements
- Good welcome bonus offers
- Good for people who spend across multiple categories
Key Considerations:
- Annual fee: $192.60
- May have quarterly caps or category rotations
- Good alternative if you don't have DBS or Citi cards
Lazada MCC Quick Reference
| Platform | MCC Code | Category | Best Cards |
|---|---|---|---|
| LazMall | 5311 | Department Stores | DBS WWMC, Citi Rewards, HSBC Rev |
| RedMart | 5399 | General Merchandise | DBS WWMC, Citi Rewards |
| Lazada Wallet | 6540 | Stored Value Card | Varies by card |
Note: Lazada Wallet's MCC may vary. Always verify using CheckMCC before making purchases if you're unsure about your card's rewards eligibility.
Tips to Maximize Lazada Rewards
- Use DBS WWMC for Lazada: Earn consistent 4 MPD on all Lazada purchases
- Check MCC before purchasing: Use CheckMCC to verify which MCC Lazada uses for your purchase
- Combine with Lazada coins: Stack credit card rewards with Lazada's own rewards program
- Use for RedMart: Maximize rewards on grocery shopping with the same card
- Time big purchases: Coordinate with credit card sign-up bonuses or promotional periods
Frequently Asked Questions
What MCC code does Lazada use?
Lazada uses MCC 5311 (Department Stores) for LazMall purchases and MCC 5399 (Miscellaneous General Merchandise) for RedMart and third-party sellers.
Which card is best for Lazada?
DBS Woman's World Card is the best overall choice, earning 4 MPD on all Lazada purchases including LazMall and RedMart with no rewards cap.
Does Lazada Wallet earn the same rewards?
Not always. Lazada Wallet uses MCC 6540 (Stored Value Card Purchase), which many cards don't classify as "online shopping." Check your card's specific terms.
Can I use multiple cards for Lazada?
Yes, you can add multiple cards to your Lazada wallet, but most users find one good card (like DBS WWMC) sufficient.
How do I check if my card earns rewards on Lazada?
Use CheckMCC to look up MCC codes 5311 and 5399 and see which credit cards earn bonuses on these merchant categories. You can also search for specific merchants on the homepage.
Last Updated: February 2026 | This guide reflects current credit card rewards programs and MCC codes as of February 2026. Terms may change. Always check with the issuing bank for the latest rewards structure.