other MCC 5977 By Spiddy Ng

Best credit card for Sephora Singapore

Sephora cosmetics. MCC 5977 is not in Citi Rewards apparel 10X lists. HSBC bonus retail cites 5964–5970 — 5977 sits just outside that range, so bonus is not assumed. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.

Check before you swipe: Cosmetics MCC 5977 — no verified bonus match.

Estimates only. We never invent rates — figures come from cards.json (dataset 2026-10-22). Affiliate links use rel="sponsored". See Disclosure and Methodology.

Named / MCC boosts we apply

No named merchant bonus in our verified set — category / base rates only.

Modelling assumptions

S$300 Sephora at general local/online-base rates only. No named Sephora boost in cards.json.

Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.

Ranked cards for Sephora

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 UOBPRVI MilesVisa · MC UOB PRVI Miles Card Verified miles	1.4 mpd local SGD	420 est. miles ≈ S$5.88 rank value	No cap on base miles	Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#2 DBSAltitudeVisa DBS Altitude Card Partial data miles	1.3 mpd local SGD	390 est. miles ≈ S$5.46 rank value	No cap stated for base earn	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#3 DBSChromoVisa DBS Chromo Card Partial data miles	1.3 mpd (miles mode) / cashback mode varies by age	390 est. miles (miles mode) ≈ S$5.46 rank value	Miles mode uncapped; cashback mode has category caps	Partial card data — confirm current bank T&Cs. Cashback mode (age 21–29) can hit 5% on top categories with caps — not auto-selected here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#4 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles	1.2 mpd local SGD	360 est. miles ≈ S$5.04 rank value	Uncapped base miles (bank page)	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#5 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles	1.1 mpd general eligible	330 est. miles ≈ S$4.62 rank value	Uncapped (non-Grab)	Partial card data — confirm current bank T&Cs. Exclusion list not fully verified in our dataset. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#6 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback	1.5% unlimited eligible	S$4.50 est. cashback S$ ≈ S$4.50 rank value	Unlimited	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#7 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles	0.4 mpd base (1 pt/S$)	120 est. miles ≈ S$1.68 rank value	Base points uncapped	MCC not clearly inside verified HSBC bonus ranges (Sephora ~5977 / Decathlon ~5941) — modelled at base 0.4 mpd. Assumes contactless or online payment where the bonus programme requires it. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#8 UOBLady'sVisa UOB Lady's Card Verified miles	0.4 mpd base (not assumed preferred)	120 est. miles ≈ S$1.68 rank value	Preferred-category bonus not applied for this merchant	If you set Shopping (or another matching category) as preferred, earn may be higher — not auto-applied here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#9 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback	0.5% other eligible (not a listed bonus merchant)	S$1.50 est. cashback S$ ≈ S$1.50 rank value	No cap	If total monthly eligible spend ≥ S$1,500, other eligible rises to 1%. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#10 CITIRewardsVisa Citi Rewards Card Partial data miles	1 Point/S$ (not in 10X MCC / online list for this merchant)	300 est. ThankYou Points ≈ S$1.20 rank value	Base uncapped	Partial card data — confirm current bank T&Cs. Illustrative S$0.004/point for ranking only. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#11 OCBC365Visa OCBC 365 Credit Card Partial data cashback	0.25%	S$0.75 est. cashback S$ ≈ S$0.75 rank value	—	Partial card data — confirm current bank T&Cs. Not in OCBC 365 bonus categories — 0.25%. Online shopping is not a 6% category. Assumes ≥ S$800 total monthly spend for bonus rates. Base exclusion MCC list still a gap. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#12 UOBOneVisa UOB One Card Verified cashback	No merchant additional % (quarterly tier separate)	S$0.00 est. additional cashback S$ ≈ S$0.00 rank value	Additional cashback capped S$120/statement month	Not a named UOB One additional merchant — quarterly cashback depends on total card spend, not modelled into this S$300 alone. Assumes Tier ≥ S$1,000/mo + ≥10 txns (additional rates). Source: bank T&Cs · last checked 2026-10-22	Card Apply

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