How do I ascertain what Merchant Category Code (MCC) the merchant I want to transact with my Citi Rewards Card falls under?
Also what is the maximum amount of rewards that I can earn on 10X Rewards merchants/transactions on my Citi Rewards Card?
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Generally, a Merchant Category Code (MCC) is a four digit number assigned to a merchant/business by the merchant’s acquiring bank. The acquiring bank usually provides the credit card payment facilities used by the merchant and it determines and applies with respect to the account, the MCC which in its view best describes the merchant activity. Citibank does not determine the merchant’s MCC. You may want to check with the merchant on the MCC they are assigned to. Eligible cardholders will earn 10X Points for every S$1 charged (every S$1 charged = 10 Points) in respect of an S$1 charge at a 10X Points Eligible Transaction, up to a cap of 10,000 Points per statement month. Points are calculated based on the amount of each 10X Points Eligible Transaction, rounded down to the nearest Point. After the cap of 10,000 Points per statement month is reached, continue to earn 1X Reward for every S$1 charged. There is no cap on 1X Reward that an eligible cardholder can earn.