General Loyalty

Baseline Sources and Facts

No official/secondary baseline facts imported yet.

Field	Values
Programme type	airline, airport_lounge, bank_transfer, hotel, other, travel_insurance
Source layers	bank, inferred, official, programme, user_reported
Transfer partners	CDP, DBS, HSBC, KrisFlyer, KrisFlyer/Asia Miles, Maybank, OCBC, UOB, Weixin Pay
Routes / regions / hotels	APAC, Asia Pacific, Australia, Australia (BNE, SYD, MEL), Bali, Bali (DPS), Bali, Indonesia, Bangkok, Bangkok, Thailand, Barcelona, Spain, Beijing to Urumqi, BKK, Cape Town, South Africa, CGK, Changi Airport, Changi Airport (SIN), Changi Airport T1, Changi Airport T1/T4, China, China Domestic, +144 more
Cabins / tiers	4-bedroom residence, Business, Business Class, Business/First, Business/First Class, C5, Citigold, Economy, First Class, First Class / Oneworld Emerald, First/Business, First/Business Class, Gold, Premium / Premium XL / Luxe, ScootPlus, Tsuki-an room
Currencies	360° Rewards Points, 90°N Miles, BOC Points, cash, cashback, cashback/points, Citi Miles, Citi Points, Citi ThankYou Points, DBS Points, DBS points, DBS Points / ThankYou Points, Elite Nights, fractional shares, HSBC points, HSBC Reward points, HSBC Reward Points, HSBC Rewards Points, interest, JPY, +24 more

Community-Learned Rules and Datapoints

Alipay China Metro / Merchants via Alipay: MCC 5311 (exception, user verified, risk: medium)

User reported that using Amaze via Alipay for China transit and general spend results in unpredictable MCCs: Alipay Shanghai Metro codes as 71% MCC 4111 and 28% MCC 5311, Hangzhou Metro codes as 68% MCC 5311 and 31% MCC 4112, and general Alipay transactions often default to MCC 5311.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay China Metro / Merchants
Card	Amaze
Route	Alipay
MCC	5311
Award route / region	China
Devaluation risk	low
Last seen	2026-06-11T14:03:47+00:00
Observed result	Alipay transactions randomly code as MCC 5311 (Department Stores) or transit MCCs.
Caveat	Direct Shanghai Metro codes cleanly as MCC 4111, but Alipay routing introduces MCC roulette.

Claim 19619 (user verified, risk: low)

For pumping petrol in Johor Bahru (JB), recommended card options include Citi Rewards paired with Amaze, UOB Visa Signature, Maybank World Mastercard, or UOB Ladies Card (with Transport selected as the bonus category).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Petrol stations in Johor Bahru
Card	Citi Rewards / Amaze / UOB Visa Signature / Maybank World Mastercard / UOB Ladies Card
Route	Amaze
MCC	5541
Programme type	bank_transfer
Points currency	miles
Award route / region	Malaysia
Devaluation risk	low
Last seen	2026-06-11T13:50:56+00:00
Caveat	UOB Ladies Card requires Transport to be the selected category

IRAS via CardUp: MCC 9311 (exception, user verified, risk: low)

User reported that standard Chartered Visa Infinite's tax payment facility, SC EasyBill, and CardUp transactions count towards the S$2,000 minimum spend required to earn the 50,000 miles sign-up bonus, despite direct tax payments (MCC 9311) being excluded.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	IRAS
Card	Standard Chartered Visa Infinite
Route	CardUp
MCC	9311
Programme type	bank_transfer
Points currency	miles
Miles / points	50,000 miles
Devaluation risk	low
Last seen	2026-06-11T13:37:16+00:00
Observed result	SC EasyBill, CardUp, and SC tax payment facility count towards the S$2,000 sign-up bonus spend.
Public/official layer	Tax payments (MCC 9311) are excluded from retail spend.
Caveat	Direct tax payments via MCC 9311 are excluded, but SC's tax payment facility, EasyBill, and CardUp qualify.

Claim 19615 (user verified, risk: low)

Omiyage and gift shops at Tokyo Station code under different MCCs: Tokyo Gift Palette and Calbee store code as MCC 5311 (Department Stores), PLUSTA Gift codes as MCC 5499, and Daimaru basement codes as MCC 5411 (Grocery).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Tokyo Station Omiyage Shops
MCC	5311
Award route / region	Tokyo, Japan
Devaluation risk	low
Last seen	2026-06-11T12:02:26+00:00
Observed result	Tokyo Gift Palette/Calbee (5311), PLUSTA Gift (5499), Daimaru basement (5411).
Caveat	Tokyo Gift Palette is located outside on the Yaesu Shinkansen side.

Claim 19527 (user verified, risk: low)

Tokyo Station gift and omiyage shops code under various MCCs: Tokyo Gift Palette and Calbee store code as MCC 5311 (Department Stores), PLUSTA Gift codes as MCC 5499, and Daimaru basement codes as MCC 5411 (Grocery Stores).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Tokyo Station Omiyage Shops
MCC	5311, 5499, 5411
Award route / region	Tokyo Station
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T11:11:22+00:00
Observed result	Tokyo Gift Palette (5311), PLUSTA Gift (5499), Calbee store (5311), Daimaru basement (5411)
Caveat	Specific shops within the station code differently depending on their exact category

Claim 19472 (user verified, risk: low)

Amex Platinum Charge stay benefits and credits expire on a calendar year basis (by December 31, or practically December 15) rather than the cardmember's membership year, even if the card is approved mid-year.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	AMEX Platinum Charge
Programme type	hotel
Expiry rule	Expires Dec 31 of each calendar year
Devaluation risk	low
Last seen	2026-06-11T08:38:23+00:00
Observed result	Vouchers/credits must be used by Dec 31 of the approval year.
Public/official layer	Credits are awarded per calendar year.
Caveat	Users observe that practical booking deadlines can be as early as December 15.

Claim 19474 (user verified, risk: low)

The annual fee for the Singapore American Express Platinum Charge card is S$1,744.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	AMEX Platinum Charge
Programme type	other
Devaluation risk	low
Last seen	2026-06-11T08:10:07+00:00
Public/official layer	S$1,744 annual fee

NUHS via HealthHub: MCC 9399 (exception, user verified, risk: medium)

User reported that paying hospital bills directly at public institutions like NUHS often codes as MCC 9399 (Government Services) which is excluded from rewards on cards like Citi Woman's World Mastercard, but paying online via the HealthHub app can bypass this to earn online rewards.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	NUHS
Card	Citi Woman's World Mastercard
Route	HealthHub
MCC	9399
Programme type	bank_transfer
Points currency	miles
Miles / points	4 mpd
Devaluation risk	high
Last seen	2026-06-11T01:36:02+00:00
Observed result	Paying via HealthHub app successfully triggers online rewards
Public/official layer	MCC 9399 is excluded from rewards on most credit cards
Caveat	Direct hospital terminal payments usually code as government services and fail to earn rewards

Eight Telecom (exception, user verified, risk: low)

User reported that eight Telecom roaming has no automatic overage billing, meaning users in Hong Kong can manually switch to non-prescribed network partners (such as 3 instead of SmarTone) for seamless data without incurring extra charges.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	Eight Telecom
Programme type	other
Award route / region	Hong Kong
Fees / surcharges	No overage fees
Devaluation risk	low
Last seen	2026-06-11T00:54:55+00:00
Observed result	Seamless data on non-prescribed partner network with no extra charges
Caveat	Applies specifically to Hong Kong roaming

Claim 19623 (user verified, risk: low)

Linking Citi Rewards Mastercard via Amaze to WeChat Pay or Alipay allows users to earn 4 mpd on foreign transactions while optimizing foreign exchange fees.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay / Alipay
Card	Citi Rewards Mastercard
Route	Amaze
Programme type	bank_transfer
Points currency	Citi ThankYou Points
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T14:45:39+00:00
Observed result	Double layer works for WeChat/Alipay transactions
Caveat	Requires linking the Mastercard version of Citi Rewards to Amaze first.

Claim 19622 (user verified, risk: low)

Recurring auto-billing (such as Singtel bills) on the Citi Rewards Card does not qualify as online spend for the 10X points (4 mpd) bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Singtel
Card	Citi Rewards Mastercard
MCC	recurring
Programme type	bank_transfer
Points currency	Citi ThankYou Points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T13:07:23+00:00
Observed result	recurring is not online
Public/official layer	Citi Rewards T&Cs exclude recurring bills from 10X points
Caveat	Recurring transactions are generally excluded from the online shopping category by Citibank.

Merchant via CardUp/SC EasyBill/SC Income Tax Payment Facility: MCC 9311 (exception, user verified, risk: low)

User reported that cardUp, SC EasyBill, and the SC Income Tax Payment Facility transactions count towards the S$2,000 minimum spend requirement for the Standard Chartered Visa Infinite 50,000 miles sign-up bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	Standard Chartered Visa Infinite
Route	CardUp/SC EasyBill/SC Income Tax Payment Facility
MCC	9311
Programme type	bank_transfer
Points currency	miles
Miles / points	50,000 miles
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T13:37:16+00:00
Observed result	Users confirmed these transactions successfully count towards the S$2,000 sign-up bonus spend.
Public/official layer	Tax payments (MCC 9311) are generally excluded from retail spend, but specific sign-up promo terms allow SC EasyBill, CardUp, and the SC Income Tax Payment Facility.
Caveat	General retail exclusions list MCC 9311 as excluded, but these specific payment routes/facilities are explicitly included for the sign-up bonus spend.

Singapore General Hospital via OTC/Online Payment: MCC 8062 (exception, user verified, risk: low)

User reported that singapore General Hospital (SGH) allows patients to make advance deposit payments if they have a future scheduled appointment, with any surplus refunded via PayNow to the patient's NRIC.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Singapore General Hospital
Route	OTC/Online Payment
MCC	8062
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T11:29:26+00:00
Observed result	SGH accepts advance deposit payments for future scheduled appointments and refunds excess via PayNow to the patient's NRIC.
Caveat	Requires a scheduled future appointment (e.g., at Ambulatory Endoscopy Centre). Surplus is refunded via PayNow to the patient's NRIC after the bill is finalized.

Claim 19599 (user verified, risk: low)

WeChat Pay transactions generally code under MCCs 5399, 5411, 5812, 7399, or 7299, making HSBC Revolution a good card to link, except for Didi or Metro rides.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	WeChat Pay
Card	HSBC Revolution
Route	WeChat Pay
MCC	5399, 5411, 5812, 7399, 7299
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T14:33:55+00:00
Observed result	WeChat Pay codes under MCC 5399, 5411, 5812, 7399, 7299; works well with HSBC Revolution.
Caveat	Avoid using WeChat Pay for Didi or Metro; Alipay is preferred for Didi.

Singapore General Hospital (exception, user verified, risk: low)

User reported that singapore General Hospital (SGH) allows patients to make advance payments (deposits) if they have a future scheduled appointment, with any surplus refunded via PayNow to the patient's NRIC after the bill is finalized.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Singapore General Hospital
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T11:29:26+00:00
Observed result	Advance deposit is held and the surplus is refunded via PayNow to the patient's NRIC after the finalized bill
Caveat	Requires a scheduled future appointment at SGH

Claim 19544 (risk: low)

From 1 July 2026, annual fees for both principal and supplementary UOB EVOL Cards will be automatically waived with no minimum spend required.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB EVOL Card
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T09:43:17+00:00
Public/official layer	Annual fees automatically waived from 1 July 2026 with no minimum spend

Claim 19541 (risk: low)

From 1 July 2026, annual fees on both principal and supplementary UOB EVOL Cards will be automatically waived with no minimum spend required.

Field	Value
Status	active
Confidence	high
Source layer	bank
Card	UOB EVOL
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T09:43:17+00:00
Public/official layer	Annual fees automatically waived from 1 Jul 2026 with no minimum spend

Claim 19521 (user verified, risk: low)

HSBC credit card complimentary limo codes cannot be used to book rides scheduled beyond the code's expiry date, as the booking calendar is blanked out.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	HSBC Visa Infinite
Programme type	airport_lounge
Expiry rule	Must take the limo ride before the code expiry date
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T09:01:13+00:00
Observed result	Calendar is blanked out for dates past the code expiry date
Caveat	Amending an existing booking date may also incur a fee (e.g., $13 quoted)

Claim 19518 (risk: high)

HSBC is removing the 1% Everyday+ bonus interest from the Everyday Global Account (EGA) effective 1 July 2026, reducing the maximum stacked rate to 1.6% p.a. or below.

Field	Value
Status	active
Confidence	high
Source layer	official
Programme type	bank_transfer
Devaluation risk	high
Last verified	2026-06-11
Last seen	2026-06-11T09:05:55+00:00
Public/official layer	1% Everyday+ bonus interest is removed from 1 July 2026.
Caveat	This affects strategies stacked with HSBC Revolution and HSBC Premier Mastercard.

Claim 19517 (risk: low)

From 1 July 2026, the annual fees for both principal and supplementary UOB EVOL Cards will be automatically waived indefinitely with no minimum spend or transaction requirements.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB EVOL Card
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T17:41:44+08:00
Public/official layer	Annual fees automatically waived from 1 July 2026 with no minimum spend.
Caveat	Prior to 1 July 2026, a waiver required spending at least 3 times per month for 12 consecutive months.

HealthHub: via HealthHub (exception, user verified, risk: medium)

User reported that users can overpay or prepay fully paid-up bills on HealthHub to park funds under their NRIC, which can be used to meet credit card spending requirements.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	HealthHub
Card	Trust Cashback Card
Route	HealthHub
Programme type	other
Devaluation risk	unknown
Last verified	2026-06-11
Last seen	2026-06-11T09:28:49+00:00
Observed result	Overpayment goes to NRIC and can be used to offset future bills or historically auto-refunded via PayNow.
Caveat	Refund policies and auto-refunds via PayNow may vary or have changed.

Claim 19501 (user verified, risk: low)

There is no way to avoid the Scoot processing fee for flights departing from Singapore when paying directly with credit cards, but booking via Trip.com can be used as an alternative route.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Scoot
Route	Trip.com
Programme type	other
Award route / region	Flights departing Singapore
Fees / surcharges	Scoot card processing fee
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:42:22+00:00
Observed result	Card processing fees apply to all direct card payments on Scoot; booking via Trip.com is suggested to bypass this.
Public/official layer	Scoot charges a processing fee for card payments on flights departing from Singapore.
Caveat	Booking via third-party aggregators like Trip.com may have different ticket terms compared to booking directly.

HealthHub / SGH: via HealthHub (exception, user verified, risk: medium)

User reported that users can overpay or prepay medical bills on HealthHub using a credit card even if the bill is already fully paid, with the excess credit going to their NRIC, which can be used to clock card spend.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	HealthHub / SGH
Card	Trust Cashback Card
Route	HealthHub
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T09:28:49+00:00
Observed result	HealthHub allows paying fully paid-up bills, crediting the excess to the NRIC account.
Public/official layer	Payments should correspond to outstanding bill amounts.
Caveat	The user noted that previously, unutilized excess credit would auto-refund via PayNow to NRIC if not contacted within a week.

Lawson Japan (l-tike): via YouTrip (exception, user verified, risk: medium)

User reported that lawson Japan's ticketing portal (l-tike) rejects Amaze but successfully processes payments using YouTrip cards.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Lawson Japan (l-tike)
Card	YouTrip
Route	YouTrip
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T07:51:58+00:00
Observed result	Amaze was rejected, but YouTrip successfully went through for ticket purchases.
Public/official layer	Foreign credit cards may not be accepted on l-tike.
Caveat	Foreign card acceptance on Japanese ticketing sites is highly unpredictable and subject to change.

Claim 19483 (user verified, risk: low)

When booking car rentals via the Toyota Hertz website, it is safe to call the English hotline to add an ETC card or winter tyres without risk of reservation cancellation.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Toyota Hertz
Programme type	other
Award route / region	Japan
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T08:14:35+00:00
Observed result	Successfully called English hotline to add ETC card without issues.
Caveat	Cancellation risks only apply if you booked via the Japanese domestic website using resident-only discounts or membership schemes.

Claim 19482 (user verified, risk: low)

Amex Platinum Charge Card hotel stay vouchers must be utilized by December 31 of the approval year rather than 12 months from card approval.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	Amex Platinum Charge
Programme type	other
Expiry rule	Expires Dec 31 of approval year
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T08:38:23+00:00
Observed result	Must use by Dec 31, with practical limits around Dec 15.
Public/official layer	Vouchers expire on December 31 of the card approval year.
Caveat	Practically, availability or terms may restrict usage to by December 15.

Alipay / WeChat Pay via Alipay: MCC 5999 (exception, user verified, risk: low)

User reported that alipay and WeChat Pay transactions generally code under the online whitelist for the UOB Preferred Platinum Visa (PPV) to earn 4mpd, but specific mini-programs or apps can pass through their actual MCCs.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay / WeChat Pay
Card	UOB Preferred Platinum Visa
Route	Alipay
MCC	5999
Programme type	bank_transfer
Points currency	miles
Miles / points	4mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:39:44+00:00
Observed result	Direct QR codes as 5999, but specific mini-programs pass through their actual MCCs (e.g., 4722 or 5542).
Caveat	Ctrip via Alipay codes as MCC 4722, and CNPC mini-program codes as MCC 5542, whereas direct QR scans code as MCC 5999.

Claim 19478 (user verified, risk: low)

Alipay transaction MCCs in China are app-dependent: Ctrip (携程) via Alipay codes as MCC 4722, PetroChina (中国石油) mini-program via Alipay codes as MCC 5542, and direct QR scans code as MCC 5999.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Ctrip / PetroChina / Alipay QR
Route	Alipay
MCC	4722, 5542, 5999
Award route / region	China
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:39:44+00:00
Observed result	Ctrip via Alipay is MCC 4722, PetroChina mini-program is MCC 5542, direct QR scan is MCC 5999
Caveat	Depends on whether a mini-program or direct QR scan is used

Claim 19477 (user verified, risk: low)

Amex Platinum Charge local hotel stay vouchers expire on December 31 of the calendar year of card approval, rather than 12 months from the approval date.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	American Express
Card	AMEX Platinum Charge
Programme type	hotel
Expiry rule	Expires by end of calendar year (Dec 31 / Dec 15)
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T08:38:23+00:00
Observed result	Must use stay by Dec 31 (more likely Dec 15 based on experience)
Public/official layer	Vouchers are valid for the calendar year of issuance
Caveat	Users observe that the practical deadline to complete the stay is often around December 15.

Claim 19465 (user verified, risk: low)

WeChat Pay (Weixin) allows users to easily switch between linked foreign credit cards in just two clicks directly from the payment QR code screen, working seamlessly for merchants like DiDi, Chagee, and Meituan.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	DiDi, Chagee, Meituan
Route	WeChat Pay
Programme type	other
Award route / region	China
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T06:49:05+00:00
Observed result	Cards can be switched easily on the payment screen, similar to Amaze
Caveat	WeChat accounts can sometimes trigger spam filters during verification

Claim 19464 (user verified, risk: low)

Among credit card complimentary airport limousine providers in Singapore, Teleport (used by UOB) is highly consistent and offers a generous 90-minute grace period, whereas TBR (used by Citi) and DCS's provider are more hit-or-miss.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Teleport / TBR
Programme type	airport_lounge
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-09T22:20:46+00:00
Observed result	Teleport (UOB) has a 90-minute grace period and is consistent; TBR (Citi) is hit-or-miss
Caveat	Service quality can still vary by individual driver

Claim 19443 (user verified, risk: low)

Alipay transaction MCCs vary by payment method: purchasing tickets via Ctrip (携程) yields MCC 4722, petrol via CNPC (中国石油) mini-program yields MCC 5542, while direct QR scans yield MCC 5999.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Ctrip / CNPC
Route	Alipay
MCC	4722, 5542, 5999
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:39:44+00:00
Observed result	Ctrip via Alipay is MCC 4722, CNPC mini-program is MCC 5542, direct QR scan is MCC 5999
Caveat	MCC is dependent on whether a mini-program or direct QR scan is used

Claim 19442 (user verified, risk: low)

Alipay allows users to link up to 10 credit cards, whereas WeChat Pay only allows linking up to 3 credit cards.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	Alipay
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:30:35+00:00
Observed result	Alipay allows 10 cards, WeChat allows 3

Claim 19425 (user verified, risk: low)

Alipay allows users to link up to 10 credit cards (including Amaze, UOB PPV, UOB VS, Citi WWMC, HSBC Revolution, and YouTrip), whereas WeChat Pay only allows linking up to 3 credit cards.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay
Route	Alipay
Programme type	other
Award route / region	China
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:30:35+00:00
Observed result	Successfully linked multiple cards to Alipay and tested MCCs via Amaze
Caveat	WeChat Pay is limited to 3 cards

Claim 19421 (user verified, risk: low)

Alipay allows linking up to 10 credit cards (including Amaze, YouTrip, and standard credit cards) and allows MCC testing via Amaze, whereas WeChat Pay only allows linking up to 3 cards.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay
Card	Amaze
Route	Alipay
Programme type	other
Award route / region	China
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:30:35+00:00
Observed result	Alipay successfully linked with multiple cards (Amaze, PPV, VS, WWMC, Revo, YouTrip) and used for MCC testing
Caveat	WeChat Pay is limited to 3 cards

Health Hub / Health Buddy / NUHS: MCC 8099, 9399 (exception, user verified, risk: low)

User reported that payments made on Health Hub and Health Buddy apps code as MCC 9399 (Government Services) for non-DBS cards, while NUHS app may code as MCC 8099.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Health Hub / Health Buddy / NUHS
MCC	9399, 8099
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:31:06+00:00
Observed result	Health Hub and Health Buddy code as MCC 9399
Caveat	Applies to non-DBS cards; paying physically at the hospital may yield a different MCC like 8062

Claim 19415 (user verified, risk: low)

HSBC Revolution excludes MCC 5814 (Fast Food) and does not earn bonus points on MCC 5499 (Miscellaneous Food Stores).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	HSBC Revolution
MCC	5814, 5499
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:12:58+00:00
Observed result	No bonus points awarded for these MCCs
Public/official layer	HSBC Revolution T&Cs exclude MCC 5814 and do not list MCC 5499 as a bonus category
Caveat	Excludes fast food and miscellaneous food stores from its bonus categories

Claim 19410 (user verified, risk: low)

HSBC Revolution excludes MCC 5814 (Fast Food Restaurants) from earning bonus points and does not include MCC 5499 (Miscellaneous Food Stores) in its bonus whitelist.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	HSBC Revolution
MCC	5814, 5499
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T05:12:58+00:00
Observed result	No bonus points awarded for MCC 5814 and 5499
Public/official layer	HSBC Revolution T&Cs exclude MCC 5814 and do not whitelist MCC 5499 for bonus points
Caveat	Dining category excludes MCC 5814

Claim 19391 (risk: low)

CardUp and ipaymy are raising their platform fees effective June 2026.

Field	Value
Status	active
Confidence	high
Source layer	official
Route	CardUp/ipaymy
Fees / surcharges	Increased platform fees
Devaluation risk	high
Last verified	2026-06-11
Last seen	2026-06-11T02:52:13+00:00
Public/official layer	Fees are increasing effective June 2026
Caveat	Effective June 2026

Claim 19376 (user verified, risk: low)

Points.com purchases (MCC 7399) do not earn bonus points on HSBC cards or the DBS Woman's World Card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Points.com
Card	DBS Woman's World Card
MCC	7399
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T04:14:24+00:00
Observed result	No bonus points awarded for Points.com transactions
Public/official layer	MCC 7399 is excluded from earning bonus points on these cards
Caveat	Also applies to HSBC cards

Claim 19375 (risk: low)

Cancelling a newly approved DBS credit card immediately without activating it still counts as a card cancellation, disqualifying the user from 'new-to-card' sign-up promotions for the next 12 months.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	DBS Altitude Visa Signature
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T02:25:48+00:00
Observed result	Approval of the card establishes the customer relationship; cancelling it immediately triggers the 12-month exclusion period even if unactivated.
Public/official layer	New-to-card promotions require the applicant to not have cancelled any principal DBS/POSB credit card within the last 12 months.
Caveat	If you forgot to input a promo code, do not cancel; contact customer service to retroactively apply it instead.

Claim 19367 (user verified, risk: low)

Overseas payments via Changi Pay will cease on 1 October 2026, though credit card payments at Changi Airport and Jewel Changi Airport will remain available.

Field	Value
Status	active
Confidence	high
Source layer	official
Route	Changi Pay
Programme type	other
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T02:32:02+00:00
Public/official layer	Overseas payments via Changi Pay to cease on 1 October 2026.
Caveat	Existing Liquid Account users can still access their accounts via the LiquidPay app.

Claim 19360 (risk: low)

CardUp and ipaymy are raising their transaction fees effective June 2026, impacting the cost of earning miles on insurance, tax, and rent payments.

Field	Value
Status	active
Confidence	high
Source layer	official
Route	CardUp
Programme type	other
Points currency	miles
Fees / surcharges	increased transaction fees
Devaluation risk	high
Last verified	2026-06-11
Last seen	2026-06-11T02:52:13+00:00
Public/official layer	Fee increases scheduled for June 2026.
Caveat	This increases the cost per mile acquired through these platforms.

Claim 19343 (user verified, risk: low)

Travelers departing Hong Kong can apply for a refund of the HK Air Passenger Departure Tax (APDT) via the official refund portal.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Hong Kong Airport
Programme type	other
Award route / region	Hong Kong
Miles / points	120 HKD
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T00:25:50+00:00
Observed result	Users successfully pointed to apdtrefund.hk for the refund.
Public/official layer	Passengers who arrive at and depart from Hong Kong International Airport within the same day are eligible for APDT refund.
Caveat	Subject to eligibility criteria such as same-day transit

NUHS (National University Health System): MCC 9399 (exception, user verified, risk: medium)

User reported that nUHS (National University Health System) payments code as MCC 9399 (Government Services) instead of MCC 8062 (Hospitals), which excludes them from earning rewards on cards like the Citi Woman's World Card.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	NUHS (National University Health System)
Card	Citi Woman's World Card
MCC	9399
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T00:20:14+00:00
Observed result	NUHS transactions coded as MCC 9399.
Public/official layer	Citi Woman's World Card excludes MCC 9399 (Government Services) from earning points.
Caveat	Other hospitals like SGH may code under MCC 8062, but KKH and NUHS are known to be difficult or code as government services.

NextVisit via NextVisit: MCC 8062 (exception, user verified, risk: low)

User reported that payments made via the NextVisit app code as MCC 8062 (Hospitals) and successfully qualify for Trust Bank cashback and count towards UOB One card spend.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	NextVisit
Card	Trust Cashback Card / UOB One Card
Route	NextVisit
MCC	8062
Programme type	bank_transfer
Points currency	cashback
Devaluation risk	medium
Last seen	2026-06-10T18:04:45+00:00
Observed result	NextVisit app payments code as MCC 8062 and successfully trigger Trust cashback and UOB One spend
Public/official layer	Hospital transactions are typically excluded from rewards on many cards
Caveat	Requires on-the-spot tap payment via the app

Claim 19053 (user verified, risk: low)

MCC 6540 (Stored Value Card Purchase/Load) is excluded from earning rewards and counting towards the minimum spend for both the UOB One Credit Card and UOB One Account.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SimplyGo / Stored Value
Card	UOB One
MCC	6540
Programme type	bank_transfer
Devaluation risk	low
Last seen	2026-06-10T16:42:53+00:00
Observed result	Users confirmed transactions under MCC 6540 do not count.
Public/official layer	MCC 6540 is excluded from UOB One card spend and UOB One account benefits.

Claim 19065 (user verified, risk: low)

Citi Rewards Mastercard and UOB Preferred Platinum Visa (PPV) do not earn bonus points/miles on airline transactions, including award flight taxes and surcharges.

Field	Value
Status	active
Confidence	high
Source layer	bank
Merchant	Airlines
Card	Citi Rewards Mastercard
Programme type	bank_transfer
Devaluation risk	low
Last seen	2026-06-10T16:03:10+00:00
Observed result	No bonus points awarded for airline tax payments
Public/official layer	Travel/airline MCCs are excluded from 10X rewards
Caveat	Travel and airline categories are explicitly excluded from the bonus whitelist for these cards

WeChat Pay China: via WeChat Pay (exception, user verified, risk: low)

User reported that linking WeChat Pay to a China UnionPay card (such as those issued by UOB, DBS, DCS, BOC, or ICBC) waives the 3% fee normally charged on WeChat Pay transactions above RMB 200 in China.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay China
Card	China UnionPay card
Route	WeChat Pay
Programme type	other
Award route / region	China
Fees / surcharges	3% fee waived
Sweet spot	yes
Devaluation risk	low
Last seen	2026-06-10T12:16:36+00:00
Observed result	Fee is waived when using a linked China UnionPay card
Public/official layer	WeChat Pay charges a 3% fee for transactions above RMB 200 when using international cards
Caveat	Requires the transaction to be charged to the linked UnionPay card

WeChat Pay: via WeChat Pay (exception, user verified, risk: low)

User reported that linking WeChat Pay to a Singapore-issued China UnionPay card (such as those from UOB, DBS, DCS, BOC, or ICBC) waives the 3% fee normally charged on transactions above RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Card	UnionPay
Route	WeChat Pay
Programme type	other
Award route / region	China
Fees / surcharges	Waives 3% fee on transactions > RMB 200
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T12:16:36+00:00
Observed result	3% fee is waived for transactions above RMB 200
Caveat	Only applies when the transaction is routed through the UnionPay network on WeChat

WeChat Pay: via WeChat Pay (exception, user verified, risk: low)

User reported that linking WeChat Pay to a Singapore-issued China UnionPay card (such as those from UOB, DBS, DCS, BOC, or ICBC) waives the 3% transaction fee normally charged on WeChat Pay transactions above RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	WeChat Pay
Programme type	other
Award route / region	China
Fees / surcharges	3% fee waived
Sweet spot	yes
Devaluation risk	low
Last seen	2026-06-10T10:27:07+00:00
Observed result	Fee is waived when linked to a China UnionPay card.
Public/official layer	WeChat Pay charges a 3% fee for transactions over RMB 200 linked to international credit cards.
Caveat	Applies to transactions above RMB 200 where the 3% fee would otherwise apply.

Claim 19159 (user verified, risk: low)

TBR airport limousine transfers booked via Citi Prestige feature no midnight surcharge, include 60 minutes of waiting time upon landing (aligned with Changi Airport official landing time), and can accommodate Alphard vehicles.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	TBR Global
Card	Citi Prestige
Programme type	other
Award route / region	Singapore Changi Airport
Fees / surcharges	No midnight surcharge
Devaluation risk	low
Last seen	2026-06-10T09:22:06+00:00
Observed result	No midnight surcharge and 60-minute landing wait time provided
Caveat	Waiting time is strictly 60 minutes from actual landing time

Claim 19339 (user verified, risk: low)

Shopee purchases can be used to successfully meet the minimum spend requirements for the UOB One Card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shopee
Card	UOB One Card
Programme type	bank_transfer
Points currency	cashback
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T18:04:45+00:00
Observed result	Shopee spend successfully counted towards UOB One minimum spend

Claim 19304 (user verified, risk: low)

Pelago transactions code under MCC 4722 (Travel Agencies), which is not on the HSBC Revolution whitelist and therefore does not earn the 4 mpd bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Pelago
Card	HSBC Revolution
MCC	4722
Programme type	bank_transfer
Points currency	miles
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T14:47:32+00:00
Observed result	No bonus points awarded for Pelago transactions.
Public/official layer	HSBC Revolution only awards 4 mpd on whitelisted MCCs; MCC 4722 is excluded.
Caveat	Applies even when paying through Kris+

WeChat Pay: via DBS Remit (exception, user verified, risk: low)

User reported that dBS Remit to WeChat (via the WeRemit/跨境汇款 mini-programme) allows users to top up their WeChat wallet or linked bank account, bypassing the 3% fee on transactions above RMB 200. However, DBS Remit to Alipay is restricted to Chinese nationals.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	DBS Remit
Programme type	other
Transfer time	A few hours (initiated at 5:30 AM, completed at 11:50 AM)
Award route / region	China
Fees / surcharges	0 handling fees, 1.2% FX spread
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:38:52+00:00
Observed result	Successfully transferred from DBS to WeChat wallet, bypassing the 3% fee for transactions above RMB 200.
Caveat	Requires registration in the WeRemit mini-programme using real name and phone number.

IRAS: via CardUp (exception, user verified, risk: medium)

User reported that when paying stamp duty via CardUp, users can pay the law firm handling the transaction under 'payment of services to professional firm' to bypass CardUp's requirement of providing a post-payment IRAS stamp duty document.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	IRAS
Route	CardUp
Programme type	other
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T04:28:13+00:00
Observed result	Direct payment to IRAS via CardUp gets rejected due to lack of pre-payment stamp duty document; paying the law firm instead bypasses this.
Public/official layer	CardUp requires an IRAS stamp duty document with the payor's name/NRIC to approve direct IRAS stamp duty payments.
Caveat	Requires the law firm to accept the payment and pay IRAS on your behalf. Direct payment to IRAS via CardUp requires a stamp duty document which is only generated after payment.

WeChat Pay: via DBS Remit (exception, user verified, risk: low)

User reported that dBS Remit to WeChat (via the WeRemit / 跨境汇款 Mini Program) allows non-Chinese nationals to top up their WeChat wallet (零钱) or linked Chinese bank accounts, bypassing the 3% fee on international cards for transactions over RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	DBS Remit
Programme type	other
Fees / surcharges	Bypasses 3% fee on transactions > RMB 200
Sweet spot	yes
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T06:42:13+00:00
Observed result	Successfully topped up WeChat wallet; DBS Remit to Alipay failed for non-Chinese nationals.
Caveat	DBS Remit to Alipay is restricted to Chinese nationals only as it requires a Chinese national ID/mobile number.

Citi Prestige Limo: via Prestige Limo platform (exception, user verified, risk: medium)

User reported that citi Prestige limousine bookings made through the new platform incur a 1% cross-border fee because the payment processor is based in Hong Kong.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Citi Prestige Limo
Card	Citi Prestige
Route	Prestige Limo platform
Programme type	other
Fees / surcharges	1% cross-border fee
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:31:13+00:00
Observed result	A 1% cross-border fee is charged on the booking amount due to the HK payment processor.
Caveat	Amending a booking date may also attract an additional small fee (e.g., SGD 2.23).

TBR Global: via TBR Global (exception, user verified, risk: low)

User reported that citi Prestige's limo booking platform (TBR Global) processes payments via a Hong Kong-based merchant, resulting in a 1% cross-border fee on transactions.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	TBR Global
Card	Citi Prestige
Route	TBR Global
Programme type	bank_transfer
Fees / surcharges	1% cross-border fee
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:31:13+00:00
Observed result	1% cross border fee charged due to HK payment processor
Caveat	Applies to the booking platform system.tbrglobal.com

Claim 19192 (user verified, risk: low)

Bic Camera Shinjuku East codes under MCC 5732 (Electronics Sales).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Bic Camera Shinjuku East
MCC	5732
Award route / region	Japan
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:54:16+00:00
Observed result	Coded as MCC 5732

Claim 19188 (user verified, risk: low)

Bic Camera Shinjuku East codes under MCC 5732 (Electronic Sales).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Bic Camera Shinjuku East
MCC	5732
Award route / region	Japan
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:54:16+00:00
Observed result	Coded as MCC 5732 (Misc: Electronic Sales)

Claim 19187 (user verified, risk: low)

Standard Chartered Easy Instalment transactions do not count towards the S$1,000 minimum card spend required to clock the Bonus$aver card bonus interest.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	Standard Chartered Bonus$aver Credit Card
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:08:46+00:00
Observed result	Instalment not counted towards the 1k spend
Public/official layer	Instalment payments are typically excluded from bonus interest spend requirements

Citi Prestige Limo Platform (exception, user verified, risk: medium)

User reported that citi Prestige limo bookings via the new platform are processed by a Hong Kong payment processor, incurring a 1% cross-border fee, and amending booking dates may attract additional fees.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Citi Prestige Limo Platform
Card	Citi Prestige
Fees / surcharges	1% cross-border fee and potential amendment fees
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:26:23+00:00
Observed result	1% cross border fee due to HK payment processor, and SGD 2.23 fee quoted for date amendment
Caveat	Amending a confirmed booking date by 1 day quoted an additional SGD 2.23 fee

Prestige Limo Platform (exception, user verified, risk: medium)

User reported that the new Citi Prestige Limo booking platform uses a Hong Kong-based payment processor, which incurs a 1% cross-border transaction fee.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Prestige Limo Platform
Card	Citi Prestige
Programme type	other
Fees / surcharges	1% cross-border fee
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:31:13+00:00
Observed result	Incurred 1% cross border fee due to HK payment processor
Caveat	Amending booking dates on the platform may also attract additional small fees.

Claim 19181 (user verified, risk: low)

NTU Singapore admin fees transaction codes under MCC 8220 (Colleges, Junior Colleges, Universities, and Professional Schools).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	NTU - SINGAPORE
MCC	8220
Award route / region	Singapore
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T06:12:55+00:00
Observed result	Coded as MCC 8220

Claim 19180 (user verified, risk: low)

Bic Camera Shinjuku East in Japan codes under MCC 5732 (Electronic Sales).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Bic Camera Shinjuku East
MCC	5732
Award route / region	Japan
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:54:16+00:00
Observed result	Coded as MCC 5732 (Electronic Sales)

Claim 19179 (user verified, risk: low)

DBS Remit to WeChat Pay (via the WeRemit mini program) works for Singaporeans by matching name (removing spaces if necessary) and phone number, whereas DBS Remit to Alipay is restricted to Chinese nationals.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	DBS Remit
Programme type	other
Award route / region	China
Fees / surcharges	Avoids the 3% fee for WeChat Pay purchases above RMB 200
Sweet spot	yes
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T07:51:48+00:00
Observed result	Users successfully remitted SGD to WeChat Pay wallet (零钱) or linked CN bank card, but Alipay remittance failed for non-Chinese nationals.
Caveat	English names in WeChat and DBS must match exactly; spaces may need to be removed to successfully link.

Merchant: via Apple Pay (exception, user verified, risk: low)

User reported that newly approved HSBC credit cards can be added to mobile wallets (Apple Pay/Google Pay) and used immediately once they appear in internet banking, before the physical card arrives.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	HSBC Credit Cards
Route	Apple Pay
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T08:13:51+00:00
Observed result	User successfully added the card to their mobile wallet and used it before physical card delivery.
Caveat	Requires the card to be visible in the HSBC internet banking portal first.

Claim 19170 (user verified, risk: low)

DBS Remit to Alipay is restricted to Mainland China, Hong Kong, or Macau residents who have a Mainland China mobile number (+86) and completed real-name verification with a PRC Resident ID or Mainland Travel Permit.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Alipay
Route	DBS Remit
Programme type	other
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T10:39:34+00:00
Observed result	Users without these documents failed to remit to Alipay via DBS.
Public/official layer	Recipient must have registered Alipay with a +86 mobile number and verified with a PRC Resident ID or Mainland Travel Permit for HK/Macau Residents.
Caveat	Does not work for non-Chinese nationals even if they have a linked Chinese mobile number.

Claim 19164 (risk: low)

UOB UnionPay Card linked to Alipay and Weixin Pay waives the 3% transaction fee and offers 2% cashback for payments in Mainland China.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Alipay & Weixin Pay
Card	UOB UnionPay Card
Route	Alipay/Weixin Pay
Programme type	other
Points currency	cashback
Award route / region	Mainland China
Miles / points	2% cashback
Fees / surcharges	3% fee waived
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T10:27:07+00:00
Public/official layer	3% transaction fee waived, zero transaction fee on payments and 2% cashback when you pay with UOB UnionPay Card via Alipay & Weixin Pay
Caveat	Subject to qualifying criteria and T&Cs.

Mainland China merchants: via WeChat Pay (exception, user verified, risk: low)

User reported that weChat Pay transaction fees for payments above RMB 200 in China are waived if the account is linked to a China UnionPay card issued by Singapore banks such as UOB, DBS, DCS, BOC, or ICBC.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Mainland China merchants
Route	WeChat Pay
Programme type	other
Award route / region	Mainland China
Fees / surcharges	3% fee waived for transactions above RMB 200
Sweet spot	yes
Devaluation risk	medium
Last verified	2026-06-10
Last seen	2026-06-10T10:27:07+00:00
Observed result	Users confirmed linking a Singapore-issued UnionPay card avoids the 3% fee on transactions over RMB 200.
Public/official layer	WeChat Pay waives fees for transactions charged to China UnionPay cards.
Caveat	Standard international credit cards linked to WeChat Pay typically incur a 3% fee for transactions exceeding RMB 200.

Merchant: via WeChat Pay (exception, user verified, risk: low)

User reported that linking WeChat Pay to a Singapore-issued China UnionPay card (such as from UOB, DBS, DCS, BOC, or ICBC) waives the 3% admin fee for transactions over RMB 200 in China.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UnionPay Card
Route	WeChat Pay
Award route / region	Mainland China
Fees / surcharges	3% admin fee waived
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T12:16:36+00:00
Observed result	No 3% admin fee charged
Public/official layer	WeChat Pay charges a 3% fee for international card transactions over RMB 200, but UnionPay cards bypass this fee
Caveat	Applies when charging payments directly to the linked China UnionPay card

Mainland China merchants: via WeChat Pay/Alipay (exception, user verified, risk: low)

User reported that linking WeChat Pay or Alipay to a foreign-issued China UnionPay card (such as those from DBS, UOB, DCS, BOC, or ICBC) waives the 3% admin fee for transactions exceeding RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Mainland China merchants
Card	UnionPay cards
Route	WeChat Pay/Alipay
Programme type	other
Award route / region	China
Fees / surcharges	3% fee waived
Sweet spot	yes
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T11:16:27+00:00
Observed result	UnionPay cards (even foreign issued) have the fee waived
Public/official layer	Foreign credit cards incur a 3% fee on transactions above RMB 200 on WeChat/Alipay
Caveat	Applies when payment is routed through the UnionPay network

Meituan: via Meituan Direct Payment (exception, user verified, risk: low)

User reported that linking a foreign credit card directly to the Meituan app allows users to pay directly and bypass the 3% Alipay/WeChat Pay service fee for transactions above RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Meituan
Card	Mastercard / Foreign Credit Cards
Route	Meituan Direct Payment
Fees / surcharges	Bypasses 3% service fee for transactions > RMB 200
Sweet spot	yes
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T12:02:43+00:00
Observed result	Users successfully linked credit cards directly to Meituan to bypass the 3% Alipay service fee.
Caveat	Some users report difficulty adding foreign cards or encountering payment errors, but it is officially supported.

China merchants: via WeChat Pay (exception, user verified, risk: low)

User reported that linking a foreign-issued China UnionPay card (such as from UOB, DBS, DCS, BOC, or ICBC) to WeChat Pay or Alipay waives the 3% admin fee for transactions above RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	China merchants
Card	UnionPay cards
Route	WeChat Pay
Fees / surcharges	3% fee waived for transactions > RMB 200
Sweet spot	yes
Devaluation risk	medium
Last verified	2026-06-10
Last seen	2026-06-10T11:16:27+00:00
Observed result	Users successfully bypassed the 3% fee using UnionPay cards.
Public/official layer	UnionPay offers no fee for above 200 RMB even if foreign issued.
Caveat	UnionPay is currently running a promotion/offer to waive this fee.

Claim 19141 (user verified, risk: low)

GrabFood transactions code as MCC 5814 (Fast Food Restaurants), which is excluded from earning bonus points on the HSBC Revolution card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	GrabFood
Card	HSBC Revolution
MCC	5814
Programme type	bank_transfer
Points currency	HSBC Reward Points
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T11:17:28+00:00
Observed result	No bonus points awarded for GrabFood transactions
Public/official layer	MCC 5814 is excluded from HSBC Revolution bonus points
Caveat	HSBC Revolution excludes MCC 5814 from its bonus whitelist

Claim 19140 (user verified, risk: low)

Changi Pay can no longer be used to bypass the 3% service fee on Alipay for transactions above RMB 200.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay
Route	Changi Pay
Programme type	other
Award route / region	China
Fees / surcharges	3% fee for transactions above RMB 200
Devaluation risk	high
Last verified	2026-06-10
Last seen	2026-06-10T11:11:18+00:00
Observed result	Users report Changi Pay no longer avoids the 3% fee for transactions above RMB 200
Caveat	Applies to transactions exceeding RMB 200

Meituan: via Meituan Direct (exception, user verified, risk: low)

User reported that linking a foreign credit card directly to Meituan for payments bypasses the 3% Alipay service fee normally charged on transactions above 200 RMB.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Meituan
Route	Meituan Direct
Fees / surcharges	Bypasses 3% fee
Sweet spot	yes
Devaluation risk	medium
Last verified	2026-06-10
Last seen	2026-06-10T12:02:43+00:00
Observed result	Successfully bypassed the 3% Alipay service fee on transactions over 200 RMB.
Caveat	Some users experience issues adding foreign cards directly to Meituan, though Apple Pay may be available as an alternative.

Claim 19123 (user verified, risk: low)

Passengers transiting through Hong Kong on the same day can claim a refund of the HKD 120 Air Passenger Departure Tax (APDT) online, even if the flights are booked on separate tickets or different airlines.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Hong Kong International Airport
Programme type	other
Award route / region	HKG
Fees / surcharges	HKD 120 refund
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T13:13:03+00:00
Observed result	User successfully claimed the refund online for a transit involving SQ/CX into HK and HK Express out of HK on separate bookings.
Public/official layer	Passengers arriving in and departing from Hong Kong on the same calendar day are exempt from APDT. If the tax was collected, they can apply for a refund.
Caveat	Requires submitting the arrival and departure boarding passes and proof of tax payment online at apdtrefund.hk.

WeChat Pay: via WeChat Pay (exception, user verified, risk: low)

User reported that linking WeChat Pay to a Singapore-issued China UnionPay card (such as those from DBS, UOB, DCS, BOC, or ICBC) waives the 3% fee typically charged for international credit cards.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Card	UnionPay
Route	WeChat Pay
Programme type	other
Fees / surcharges	3% fee waived
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T12:16:36+00:00
Observed result	Users confirmed no 3% admin fee is charged when paying via WeChat Pay linked to a Singapore UnionPay card.
Public/official layer	WeChat Pay charges a 3% fee for transactions above 200 RMB using international credit cards, but UnionPay cards are processed locally or under waived fee structures.
Caveat	The card linked must be a China UnionPay co-branded or issued card

Claim 19120 (user verified, risk: low)

Passengers transiting Hong Kong on separate tickets on the same day can claim a refund of the HKD 120 Air Passenger Departure Tax (APDT) online.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Hong Kong International Airport
Programme type	other
Award route / region	HKG
Fees / surcharges	HKD 120
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T13:13:03+00:00
Observed result	Successfully claimed refund online for same-day transit on separate tickets (e.g., CX/SQ in, HK Express out).
Public/official layer	Passengers arriving and departing HKIA on the same day are exempt from APDT and can apply for a refund if it was collected.
Caveat	Requires submitting arrival and departure boarding passes along with proof of tax payment on the official APDT refund website.

Hong Kong Airport (exception, user verified, risk: low)

User reported that passengers transiting through Hong Kong International Airport (HKG) on separate airline bookings can claim a refund for the Hong Kong Air Passenger Departure Tax (APDT) online.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Hong Kong Airport
Programme type	other
Award route / region	HKG
Fees / surcharges	Hong Kong Air Passenger Departure Tax
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T13:13:03+00:00
Observed result	Successfully claimed refund online for separate bookings (e.g., CX/SQ into HKG and HK Express out of HKG).
Public/official layer	Passengers transiting HKG within the same day are exempt from APDT and can apply for a refund if it was collected.
Caveat	Requires submitting the arrival boarding pass, departure boarding pass, and receipt showing the tax paid on the official APDT refund website.

Claim 19115 (user verified, risk: low)

To qualify for certain bank wealth/investment interest boosters, unit trust/fund purchases must be at least S$30,000 in a single transaction, whereas stock purchases must total S$30,000; these two categories cannot be combined to meet the threshold.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T15:05:12+00:00
Observed result	User confirmed combining a mixture of stocks and funds below the individual thresholds failed to trigger the interest booster.
Public/official layer	Funds need to be S$30,000 in a single transaction. Stocks need to be S$30,000 in total.
Caveat	Funds and stocks cannot be combined to make up the S$30,000 requirement.

Claim 19098 (user verified, risk: low)

Booking Pelago tours (even via Kris+) codes as MCC 4722, which is not on the HSBC Revolution whitelist and thus does not earn the 4 mpd bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Pelago
Card	HSBC Revolution
Route	Kris+
MCC	4722
Programme type	bank_transfer
Points currency	miles
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T14:47:32+00:00
Observed result	No bonus points awarded for Pelago transactions.
Public/official layer	HSBC Revolution only awards 9X bonus points on whitelisted MCCs; MCC 4722 is excluded.
Caveat	Pelago codes under travel agencies (MCC 4722) which is excluded from HSBC Revolution's bonus categories

Claim 19095 (user verified, risk: low)

HSBC Revolution does not earn 4 mpd (bonus points) on Pelago because it codes under MCC 4722, which is not on the card's whitelist.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Pelago
Card	HSBC Revolution
MCC	4722
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T14:47:32+00:00
Observed result	No bonus points awarded for Pelago
Public/official layer	HSBC Revolution only awards 9X bonus points on whitelisted MCCs; MCC 4722 is excluded.
Caveat	Pelago transactions code as MCC 4722 (Travel Agencies)

Claim 19087 (user verified, risk: low)

Citi Rewards Mastercard (CRMC) and UOB Preferred Platinum Visa (PPV) do not earn bonus miles on award flight taxes and surcharges.

Field	Value
Status	active
Confidence	high
Source layer	bank
Merchant	Airlines
Card	Citi Rewards Mastercard
MCC	3000-3299
Programme type	bank_transfer
Points currency	miles
Fees / surcharges	taxes and surcharges
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:03:10+00:00
Observed result	No bonus miles awarded on these transactions.
Public/official layer	Travel and airline transactions are excluded from the 10x points / 4 mpd bonus categories on Citi Rewards and UOB PPV.
Caveat	These cards exclude travel and airline transactions from their bonus categories.

Claim 19085 (user verified, risk: high)

SimplyGo top-ups changed MCC to 6540 around 7 June 2026, which is excluded from rewards and cashback on cards like UOB One and Trust.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SimplyGo
Card	UOB One
Route	SimplyGo
MCC	6540
Programme type	other
Devaluation risk	high
Last verified	2026-06-10
Last seen	2026-06-10T16:50:29+00:00
Observed result	SimplyGo transactions coded as MCC 6540, which is excluded from UOB One spending requirements.
Caveat	Top-ups up to 6 June 2026 were reported to be safe under the previous MCC.

Claim 19068 (user verified, risk: low)

Citi Rewards Mastercard (CRMC) and UOB Preferred Platinum Visa (PPV) do not earn bonus miles on airline taxes and surcharges.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Airlines
Card	Citi Rewards Mastercard, UOB Preferred Platinum Visa
MCC	4511
Programme type	bank_transfer
Points currency	miles
Fees / surcharges	taxes and surcharges
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:03:10+00:00
Observed result	No bonus miles awarded for airline taxes/surcharges
Public/official layer	Travel and airline transactions are excluded from 10x bonus points
Caveat	They only earn base rewards (0.4 mpd) as travel/airlines are excluded from their bonus categories.

Claim 19059 (user verified, risk: low)

CardUp is updating its fees effective 13 June 2026, with the lowest promotional fee rate set at 2.25%.

Field	Value
Status	active
Confidence	high
Source layer	official
Route	CardUp
Fees / surcharges	2.25% promotional fee
Devaluation risk	medium
Last verified	2026-06-10
Last seen	2026-06-10T16:24:23+00:00
Public/official layer	CardUp fees adjustment with lowest promo code at 2.25% starting 13 June 2026
Caveat	New fees take effect on 13 June 2026

Claim 19058 (user verified, risk: medium)

Purchasing fashion items on Shopee to earn bonus points on the UOB Lady's Card (Fashion category) is risky, as transactions may code under non-fashion MCCs such as MCC 5262.

Field	Value
Status	context-dependent
Confidence	high
Source layer	user_reported
Merchant	Shopee
Card	UOB Lady's Card
MCC	5262
Points currency	miles
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:26:34+00:00
Observed result	Shopee transactions can code as MCC 5262, which does not qualify for the Fashion category.
Public/official layer	UOB Lady's Card Fashion category requires specific fashion MCCs.
Caveat	Shopee's MCC is unpredictable and depends on the seller/platform classification.

Claim 19057 (user verified, risk: low)

CardUp is implementing new fees starting 13 June 2026, with the lowest promotional code rate rising to 2.25%.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	CardUp
Route	CardUp
Fees / surcharges	2.25% promotional fee
Devaluation risk	medium
Last verified	2026-06-10
Last seen	2026-06-10T16:24:23+00:00
Observed result	Lowest promo code rate is 2.25%.
Public/official layer	CardUp fees change on 13 June 2026.
Caveat	Takes effect on 13 June 2026.

Insurance (exception, user verified, risk: low)

User reported that insurance transactions count towards the minimum spend requirement for the UOB One Credit Card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Insurance
Card	UOB One Card
MCC	insurance
Programme type	bank_transfer
Points currency	cashback
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:40:05+00:00
Observed result	Insurance counts towards spend
Public/official layer	Insurance transactions are excluded from cashback but count towards minimum spend
Caveat	They count towards the minimum spend tier but do not earn cashback.

Claim 19050 (user verified, risk: low)

MCC 6540 (Prepaid/SimplyGo top-ups) is excluded from earning cashback and counting towards the minimum spend on the UOB One Credit Card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SimplyGo
Card	UOB One Credit Card
MCC	6540
Programme type	bank_transfer
Points currency	cashback
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:42:53+00:00
Observed result	Users confirmed SimplyGo top-ups (MCC 6540) no longer count towards UOB One spend tiers
Public/official layer	MCC 6540 is excluded from UOB One spend and cashback

Claim 19047 (user verified, risk: high)

SimplyGo top-ups on UOB One Visa and Mastercard are coded as MCC 6540 and are excluded from counting towards minimum spend, effective from around 7 June 2026.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SimplyGo
Card	UOB One Card
Route	SimplyGo
MCC	6540
Programme type	bank_transfer
Points currency	cashback
Devaluation risk	high
Last verified	2026-06-10
Last seen	2026-06-10T16:42:53+00:00
Observed result	SimplyGo top-ups coded as MCC 6540 and did not count towards spend
Public/official layer	MCC 6540 is excluded from UOB One spend
Caveat	Top-ups up to 6 June 2026 were still safe.

Private Hospital via Amaze: MCC 8062 (exception, user verified, risk: low)

User reported that paying private hospital bills using Instarem Amaze linked to a 4 MPD card (such as Citi Rewards) successfully yields 4 MPD, subject to Amaze's 1% domestic transaction fee.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Private Hospital
Card	Amaze
Route	Amaze
MCC	8062
Programme type	bank_transfer
Points currency	miles
Miles / points	4 MPD
Fees / surcharges	1% fee
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T03:06:48+00:00
Observed result	Successfully earned 4 MPD via Amaze routing despite the 1% fee.
Public/official layer	Direct hospital transactions are typically excluded from rewards on most cards.
Caveat	Incurs a 1% domestic transaction fee on Amaze.

Claim 18509 (user verified, risk: low)

Citi Prestige limo service (TBR) waiting time rules are officially 15 minutes from the scheduled booking time for departures, or 60 minutes from actual landing time for airport arrivals.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	TBR Global
Card	Citi Prestige
Programme type	other
Devaluation risk	low
Last seen	2026-06-09T07:14:06+00:00
Observed result	Drivers sometimes claim waiting time starts when they arrive early, or mark as no-show aggressively.
Public/official layer	15 minutes from booking time or 60 minutes from actual landing time.
Caveat	Some drivers may incorrectly attempt to start the 15-minute waiting window from their early arrival time, or strictly enforce the 60-minute landing window including taxiing time.

Claim 18511 (user verified, risk: low)

Dianping is the recommended app for finding restaurants, verifying operating hours, and purchasing discount vouchers in China, as Baidu Maps can have outdated listings.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Dianping
Award route / region	China
Devaluation risk	low
Last seen	2026-06-09T07:11:25+00:00
Observed result	More accurate than Baidu Maps for restaurant listings and offers voucher purchases.
Caveat	The app is primarily in Chinese language.

Claim 18395 (user verified, risk: low)

Citi Limo (TBR) bookings made with a flight number have a 60-minute grace period from actual flight arrival, whereas bookings made with a specific preferred time have only a 15-minute grace period.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	TBR Global
Card	Citi Prestige
Programme type	other
Devaluation risk	low
Last seen	2026-06-09T01:30:07+00:00
Observed result	Drivers strictly count 60 minutes from actual landing; some dispute waiting times if flights are delayed or if specific times are booked.
Public/official layer	60 minutes waiting time for flight number bookings, 15 minutes for specific time bookings.
Caveat	Drivers may strictly enforce the 60-minute limit from actual landing time even if luggage is delayed.

Claim 18944 (user verified, risk: low)

HSBC Premier Mastercard complimentary airport limousine rides incur a midnight surcharge of SGD 19.50 for Sedans and SGD 20.80 for People Carriers between 23:00 and 07:00.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	HSBC Limo
Card	HSBC Premier Mastercard
Programme type	airport_lounge
Fees / surcharges	SGD 19.50 to SGD 20.80 midnight surcharge
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T23:02:42+00:00
Observed result	Users must pay this direct top-up amount for midnight usage.
Public/official layer	A midnight surcharge of SGD 19.50 for Sedans and SGD 20.80 for People Carriers applies between 2300 hours and 0700 hours.
Caveat	Surcharge applies directly as a top-up for rides booked during these hours.

Claim 18908 (user verified, risk: low)

For transactions under 200 RMB in China, pairing Alipay with YouTrip is more cost-effective than using OCBC Scan & Pay, which incurs a markup of approximately 2% over the Mastercard exchange rate.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	China merchants
Card	YouTrip
Route	Alipay
Programme type	other
Award route / region	China
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T21:56:56+00:00
Observed result	OCBC Scan & Pay rate is about +2% from the Mastercard rate; Alipay paired with YouTrip is better for payments under 200 Yuan.
Caveat	Alipay has a 3% fee for transactions above 200 RMB

Claim 18743 (user verified, risk: low)

Transiting through Hong Kong International Airport (HKG) allows passengers to avoid paying the Hong Kong Air Passenger Departure Tax.

Field	Value
Status	active
Confidence	high
Source layer	official
Programme type	other
Award route / region	HKG
Fees / surcharges	Exempt from HKD 120 departure tax
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T17:07:27+00:00
Observed result	Avoided paying the departure tax by using HKG purely as a transit point.
Public/official layer	Passengers transiting HKIA are exempt from the HKD 120 Air Passenger Departure Tax if they arrive and depart on the same day.
Caveat	Applies to direct transits where the passenger does not clear immigration or departs within the same day

Claim 18741 (user verified, risk: low)

DBS Remit can be used to send money directly to China's WeChat Pay (Tenpay Global) instantly with zero fees and competitive exchange rates.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	WeChat Pay
Route	DBS Remit
Transfer time	instant
Award route / region	Singapore to China
Fees / surcharges	No fee
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T17:09:54+00:00
Observed result	Instant transfer received in WeChat Pay balance with no fees and competitive FX rate.
Public/official layer	DBS Remit offers same-day fee-free transfers to selected destinations including China.

Claim 18740 (user verified, risk: low)

Passengers transiting through Hong Kong International Airport (HKG) can avoid or claim a refund for the Hong Kong Air Passenger Departure Tax.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Programme type	other
Award route / region	HKG
Fees / surcharges	HKD 120 departure tax
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T17:07:27+00:00
Observed result	HK as a transit point is nice as we can avoid the departure tax
Public/official layer	Passengers transiting HKG who arrive and depart within the same day are exempt from the HKD 120 Air Passenger Departure Tax.
Caveat	User cited HKD 200, but the official Air Passenger Departure Tax (APDT) is HKD 120.

Claim 18693 (user verified, risk: low)

CardUp and iPaymy recurring payments scheduled from 13 June onwards will revert to the new higher standard rates, even if originally set up with a promo code.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	CardUp/ipaymy
Route	CardUp
Programme type	other
Fees / surcharges	Higher processing fees apply from 13 June onwards
Devaluation risk	medium
Last verified	2026-06-09
Last seen	2026-06-09T10:36:35+00:00
Observed result	Recurring payments revert to higher rates after the first discounted payment.
Caveat	Only the first payment in the recurring series remains discounted under the promo code.

Claim 18688 (user verified, risk: high)

Legitimate withdrawals of large sums (e.g., >$50,000) from Moomoo Singapore do not require any upfront 'insurance payment' or refundable fees; any such demand is indicative of an impersonation scam.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Moomoo
Programme type	other
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:53:00+00:00
Observed result	Users successfully withdrew >$50k from the official platform multiple times with zero insurance requests.
Public/official layer	No insurance fees are required to process standard bank withdrawals.
Caveat	Always use the official Moomoo app or contact official customer service directly to verify withdrawal procedures.

Claim 18683 (user verified, risk: low)

A midnight surcharge of SGD 19.50 for Sedans and SGD 20.80 for People Carriers applies for HSBC airport limo transfers between 23:00 and 07:00.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	HSBC Limo
Card	HSBC Premier Mastercard
Programme type	other
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T15:43:56+00:00
Observed result	Confirmed by users trading/using the service
Public/official layer	Midnight surcharge of SGD 19.50 (Sedan) / SGD 20.80 (People Carrier) applies between 2300 and 0700 hours
Caveat	Applies to midnight slots between 2300 and 0700 hours

Claim 18670 (user verified, risk: low)

For CardUp and iPaymy recurring payments, the new higher transaction rates will apply to payments processed from 13 June onwards, even if a promo code was previously applied.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Route	CardUp
Fees / surcharges	Higher transaction fees apply from 13 June
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T10:36:35+00:00
Observed result	Higher rates apply for recurring payments from 13 June onwards, with only the first payment retaining the discount
Caveat	Only the first payment under the recurring setup remains discounted

Claim 18669 (user verified, risk: low)

Hong Kong taxis charge a luggage fee of HKD 6 per piece placed in the boot, while bags carried in the passenger compartment are free of charge.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Hong Kong Taxi
Award route / region	Hong Kong
Fees / surcharges	HKD 6 per piece in boot
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:07:02+00:00
Observed result	Passengers carrying bags in the passenger compartment do not pay the HKD 6 fee
Public/official layer	HKD 6 per piece of baggage carried in the luggage compartment
Caveat	Luggage must be carried in the passenger compartment to avoid the fee

Claim 18666 (user verified, risk: low)

Hong Kong taxis charge HKD 6 per piece of luggage placed in the boot, while bags carried inside the passenger compartment are free. Cross-harbour return tolls are flat-rated at HKD 25 x 2.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Hong Kong Taxis
Programme type	other
Award route / region	Hong Kong
Fees / surcharges	HKD 6 per boot luggage, HKD 50 total cross-harbour toll
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:23:59+00:00
Observed result	Confirmed HKD 6 per piece in the boot and HKD 25 x 2 for cross-harbour return tolls.
Public/official layer	HKD 6 per piece of baggage in the boot; flat cross-harbour taxi toll of HKD 25 plus return toll if applicable.
Caveat	Subject to driver discretion if passenger compartment bags are excessively large.

Claim 18664 (user verified, risk: low)

Hong Kong Urban Taxis charge a baggage fee of HKD 6 per piece placed in the boot (passenger compartment baggage is free), and a flat HKD 25 surcharge per crossing for the Cross-Harbour Tunnel.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Hong Kong Urban Taxis
Programme type	other
Award route / region	Hong Kong
Fees / surcharges	HKD 6 baggage fee, HKD 25 tunnel toll
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:23:59+00:00
Observed result	HKD 6 charged per piece in boot; HKD 25 x 2 for cross-harbour return toll
Public/official layer	HKD 6 per piece of baggage in boot; HKD 25 Cross-Harbour Tunnel toll
Caveat	A return toll of HKD 25 is also payable unless the hiring begins from a cross-harbour taxi stand or the destination is not on the opposite side of the harbour

Claim 18663 (user verified, risk: low)

In Suzhou and Shanghai, seniors (70 and above) can get free entry to attractions by presenting their passport showing their date of birth, and Singapore Student Passes are accepted for student discounts.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Attractions in Suzhou and Shanghai
Programme type	other
Award route / region	Suzhou and Shanghai
Sweet spot	yes
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T13:06:50+00:00
Observed result	Free entry by showing passport for DOB, student prices using SG Student Pass
Caveat	Senior age threshold may vary between 60 and 70 depending on the city or attraction

Claim 18661 (user verified, risk: low)

The Vanda Lounge at Da Nang International Airport (DAD) near gates 4/5 is noticeably more crowded and has less varied seating (mostly dining tables) compared to the CIP Orchid Lounge.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Vanda Lounge DAD
Programme type	airport_lounge
Award route / region	DAD
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:22:37+00:00
Observed result	Vanda Lounge was observed to be more crowded with mostly dining tables and fewer lounging chairs than CIP Orchid Lounge.
Caveat	The lounge offers a decent range of food and okay drinks, but seating is limited.

Claim 18659 (user verified, risk: low)

CardUp and iPaymy recurring payments scheduled on or after 13 June 2026 will charge at the new higher rates, even if the recurring series was previously set up with a promo code.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Route	CardUp
Programme type	other
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T10:36:35+00:00
Observed result	Higher rates apply for recurring payments from 13 June onwards, with only the first payment discounted.
Caveat	The first payment in the recurring setup may still receive the discounted promo rate.

Fave: via FavePay (exception, user verified, risk: low)

User reported that scanning a Fave QR code using the UOB TMRW app allows users to select a credit card to pay, which processes as an online FavePay transaction.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Fave
Card	UOB Cards
Route	FavePay
Programme type	bank_transfer
Points currency	miles/points
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T12:30:51+00:00
Observed result	Successfully allowed credit card selection and processed as an online FavePay transaction.
Caveat	Some users still prefer using the native Fave app to ensure correct tracking.

Claim 18622 (user verified, risk: low)

OCBC Scan & Pay can be used for payments in China, bypassing the 3% fee charged by Alipay/WeChat on international credit cards for transactions above 200 RMB, though the exchange rate carries an approximate 2% markup over the Mastercard wholesale rate.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	Alipay / WeChat Pay
Route	OCBC Scan & Pay
Programme type	other
Award route / region	China
Fees / surcharges	Bypasses the 3% Alipay/WeChat fee for >200 RMB transactions
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T10:47:02+00:00
Observed result	User observed OCBC Scan & Pay rate was 5.20 vs Mastercard rate of 5.313 (with 3.25% fee) or 5.144 (with 0% fee), representing about a 2% markup.
Caveat	Exchange rate is less competitive than direct Mastercard wholesale rates (approx. 2% markup observed).

Claim 18612 (risk: low)

DBS Remit allows Singaporeans, PRs, and foreigners residing in Singapore to fund Weixin Pay (WeChat Pay) e-wallets directly to avoid credit card platform transaction fees.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Weixin Pay
Route	DBS Remit
Programme type	other
Fees / surcharges	Avoids credit card transaction fees above certain thresholds on Weixin Pay
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T05:41:08+00:00
Public/official layer	Funding digital wallets directly through DBS Remit allows users to avoid additional platform transaction fees.
Caveat	Previously limited to citizens of China, Hong Kong, and Macao.

Alipay / WeChat Pay: via OCBC Scan and Pay (exception, user verified, risk: low)

User reported that using OCBC Scan & Pay for payments in China avoids the 3% fee charged by Alipay and WeChat Pay on international credit cards for transactions above 200 RMB, though the exchange rate carries an implicit spread of approximately 2% over the Mastercard wholesale rate.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay / WeChat Pay
Route	OCBC Scan and Pay
Award route / region	China
Fees / surcharges	3% fee waived, ~2% exchange rate spread applied
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T10:47:02+00:00
Observed result	OCBC Scan & Pay direct debit avoids the 3% fee but has a ~2% markup on the exchange rate compared to Mastercard.
Public/official layer	Alipay/WeChat Pay charges a 3% fee for international credit card transactions above 200 RMB.
Caveat	The exchange rate is roughly 2% weaker than the Mastercard wholesale rate.

Alipay/WeChat Pay: via OCBC Scan & Pay (exception, user verified, risk: low)

User reported that oCBC Scan & Pay in China bypasses the 3% Alipay/WeChat fee on transactions above 200 RMB, but carries an exchange rate markup of approximately 2% over the Mastercard wholesale rate.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Alipay/WeChat Pay
Route	OCBC Scan & Pay
Programme type	other
Award route / region	China
Fees / surcharges	3% fee bypassed, ~2% FX markup applied
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T10:47:02+00:00
Observed result	OCBC Scan & Pay avoids the 3% card fee but has an implicit exchange rate markup of about 2% over Mastercard.
Public/official layer	Alipay and WeChat Pay charge a 3% fee for international credit card transactions above 200 RMB.
Caveat	Applies to direct debiting from OCBC accounts; rates are slightly worse than Google/Mastercard wholesale rates.

HeyMax: MCC 5311 (exception, user verified, risk: low)

User reported that heyMax Klook voucher purchases are intended to code as MCC 5311 (Department Stores). A bug that caused some transactions to code as MCC 5411 (Grocery)—which is excluded from rewards on cards like HSBC Revolution—has been fixed.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	HeyMax
Card	HSBC Revolution
MCC	5311
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T05:52:04+00:00
Observed result	Some coded as 5411 due to a bug, which has since been fixed
Public/official layer	All vouchers bought via HeyMax should code as 5311
Caveat	Past transactions that coded as 5411 did not receive HSBC Revolution bonus points.

Claim 18523 (user verified, risk: low)

Citi Prestige airport limo transfers (via TBR Global) have a waiting time limit of 15 minutes from the scheduled booking time for departures, or 60 minutes from the actual flight landing time for arrivals.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	TBR Global
Card	Citi Prestige
Programme type	other
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T07:14:06+00:00
Observed result	Drivers count 60 minutes from actual landing time, meaning taxiing time is included in the wait limit.
Public/official layer	15 minutes from booking time or 60 minutes from actual landing time.
Caveat	Some drivers may try to strictly enforce or game the rules; actual landing time includes taxiing time which can eat into the 60-minute window.

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