MCC 6012¶
Description: Financial Institutions – Merchandise and Services
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| Airwallex | Non-official reference (db) |
| Atlas Vending | Non-official reference (ai suggested) |
| Aviva | Non-official reference (ai suggested) |
| Cashew | Non-official reference (public) |
| Charlie's Restaurant & Bar | Non-official reference (chope) |
| Cheap Tickets | Non-official reference (visa) |
| Chubb Insurance | Non-official reference (ai suggested) |
| Citibank | Non-official reference (db) |
| Coinhako.Com | Non-official reference (visa) |
| DBS | Non-official reference (db) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| georges @ Changi (Seafix) | Non-official reference (chope) |
| Harry's (Dempsey Hill) | Non-official reference (chope) |
| Jonsson Protein Healthy Hair Growth | Non-official reference (visa) |
| Lazada | Non-official reference (db) |
| Melissa | Non-official reference (visa) |
| Microsoft Corporation | Non-official reference (visa) |
| Novita | Non-official reference (visa) |
| NTUC Fairprice | Non-official reference (db) |
| NTUC Income | Non-official reference (ai suggested) |
| Park Regis | Non-official reference (visa) |
| Pay Later Instalment Pl | Non-official reference (visa) |
| POSB | Non-official reference (db) |
| Revolut | Non-official reference (db) |
| Revolution | Non-official reference (visa) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| SaVour Eat | Non-official reference (chope) |
| Singlife | Non-official reference (visa) |
| Singlife Motor Insurance | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| Standard Chartered | Non-official reference (db) |
| Taobao | Non-official reference (visa) |
| Taobao(Beta) | Non-official reference (db) |
| Tenjin AI | Non-official reference (db) |
| Trip.com | Non-official reference (visa) |
| Trust bank (Android) | Non-official reference (db) |
| Trust bank (iOS) | Non-official reference (db) |
| United Overseas Bank Ltd | Non-official reference (db) |
| UOB | Non-official reference (db) |
| Victorias Secret | Non-official reference (visa) |
Street Truth / User-Reported Exceptions¶
DBS Bill Pay via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS credit cards can be used to pay other banks' credit card bills via DBS Bill Pay, which processes as an AXS payment. While it codes as MCC 6012 and does not earn miles, the transaction counts towards the DBS Altitude card's annual fee waiver spending.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | DBS Bill Pay |
| Card | DBS Altitude Card |
| Route | DBS Bill Pay |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | medium |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | Processes successfully as an AXS payment, counts towards annual fee waiver, but yields no miles. |
| Public/official layer | Credit card to credit card payments are typically blocked or treated as cash advances. |
| Caveat | Does not earn miles or points; codes as MCC 6012. |
Other banks' credit card billing via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS Bill Pay allows users to pay other banks' credit card bills using a DBS credit card. This transaction codes as MCC 6012, meaning it does not earn miles or rewards, but the transaction amount still counts towards the DBS card's annual fee waiver.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Other banks' credit card billing |
| Card | DBS Altitude |
| Route | DBS Bill Pay |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | No miles awarded, but counts towards annual fee waiver |
| Public/official layer | MCC 6012 is excluded from earning rewards |
| Caveat | Does not earn any miles or rewards |
Other banks' credit cards via DBS Bill Pay: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS Bill Pay allows paying other banks' credit card bills using a DBS credit card, which functions as a free balance transfer. This transaction codes as MCC 6012, earns no miles, but counts towards the DBS card's annual fee waiver spending.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Other banks' credit cards |
| Card | DBS Altitude Card |
| Route | DBS Bill Pay |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | medium |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | Successfully paid other bank CC bills; counts towards annual fee waiver spend |
| Public/official layer | MCC 6012 is excluded from rewards |
| Caveat | Does not earn any miles or rewards |
AXS via AXS: MCC 6012 (exception, user verified, risk: low)¶
User reported that dBS credit cards can pay other banks' credit card bills via the AXS integration in the DBS app. This transaction codes as MCC 6012, earns no miles, but counts towards the DBS card's annual fee waiver spending.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | AXS |
| Card | DBS Credit Cards |
| Route | AXS |
| MCC | 6012 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-24 |
| Last seen | 2026-05-24T07:51:32+00:00 |
| Observed result | Counts towards annual fee waiver spending despite earning no rewards |
| Public/official layer | MCC 6012 is excluded from rewards |
| Caveat | Does not earn any miles or points. |