Shopee is Singapore's most popular e-commerce platform, and using the right credit card can earn you significant rewards on your purchases. This guide explains Shopee's Merchant Category Codes (MCC) and which cards maximize your rewards.
Understanding Shopee MCC Codes
MCC 5399 stands for "Miscellaneous General Merchandise" and is the primary merchant category code used by Shopee Singapore for most purchases.
This MCC code covers:
- Regular Shopee purchases from all sellers
- Shopee Mall purchases (official brand stores)
- Shopee Choice items (curated products)
- Most third-party sellers on the platform
Best Credit Cards for Shopee
1. UOB PPV (Preferred Platinum Visa) - Best Overall for Shopee
Rewards Rate: 4 MPD = 10X UNI$ on online shopping
Key MCC: 5399 (General Merchandise - Shopee)
Why It's Best for Shopee:
- Earns 10X rewards (4 miles per $1) on ALL online shopping including Shopee
- No rewards cap on online purchases
- Covers both Shopee and Shopee Mall purchases
- Also earns on food delivery and dining
Key Considerations:
- Spend amounts are rounded down to the nearest $5
- Example: $24 Shopee purchase rounds down to $20 for rewards calculation
- Annual fee: $256.80 (waived first year)
2. UOB Visa Signature - Best All-Rounder
Rewards Rate: 4 MPD = 10X UNI$ on shopping categories
Key MCCs: 5399, 5732, 5734 (all online shopping)
Why It's Great for Shopee:
- Earns 4 MPD on all shopping including Shopee
- No minimum spend required to earn bonus rates
- Travel benefits included
- No rewards cap (but $1,000 monthly cap on 10X UNI$)
Key Considerations:
- Must use mobile wallet (Apple Pay/Google Pay) or PayWave for bonus rates
- Annual fee: $192.60 (waived first year)
- Best as a primary card for all spending categories
3. HSBC Revolution - Strong Online Shopping Rewards
Rewards Rate: 4 MPD on online shopping, dining, and travel
Key MCCs: 5399, 5812, 5814, and many more
Why It's Good for Shopee:
- Consistent 4 MPD on all online shopping including Shopee
- No minimum spend requirements
- Strong 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 UOB cards
Shopee MCC Quick Reference
| Platform | MCC Code | Category | Best Cards |
|---|---|---|---|
| Shopee (all purchases) | 5399 | General Merchandise | UOB PPV, UOB VS, HSBC Rev |
| Shopee Pay | 6536 | Financial Services | Varies by card |
Note: Shopee Pay's MCC may vary. Always verify using CheckMCC before making purchases if you're unsure about your card's rewards eligibility.
Tips to Maximize Shopee Rewards
- Use UOB PPV for Shopee: Earn consistent 4 MPD on all Shopee purchases
- Avoid Shopee Pay for bonus cards: Many cards don't count Shopee Pay as "online shopping"
- Check MCC before purchasing: Use CheckMCC to verify which MCC Shopee uses for your purchase
- Combine with Shopee coins: Stack credit card rewards with Shopee's own rewards program
- Time big purchases: Coordinate with credit card sign-up bonuses or promotional periods
Frequently Asked Questions
What MCC code does Shopee use?
Shopee uses MCC 5399 (Miscellaneous General Merchandise) for most purchases. This includes regular sellers, Shopee Mall, and Shopee Choice.
Does Shopee Pay earn the same rewards?
Not always. Shopee Pay often uses MCC 6536 (Financial Services), which many cards don't classify as "online shopping." Check your card's specific terms.
Which card is best for Shopee?
UOB PPV is the best overall choice, earning 4 MPD on all Shopee purchases with no rewards cap.
Can I use multiple cards for Shopee?
Yes, you can add multiple cards to your Shopee wallet, but most users find one good card (like UOB PPV) sufficient.
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.