MCC 9399¶
Description: Government Services (not Elsewhere Classified)
Public Reference Merchants¶
| Merchant | Source |
|---|---|
| Accounting and Corporate Regulatory Authority | Non-official reference (db) |
| ActiveSG | Non-official reference (db) |
| Agri-Food and Veterinary Authority of Singapore | Non-official reference (db) |
| AXS | Non-official reference (db) |
| Bishan-Toa Payoh Town Council | Non-official reference (ai suggested) |
| Central Providend Fund | Non-official reference (db) |
| Community Chest | Non-official reference (db) |
| Delifrance | Non-official reference (db) |
| elemen (Millenia Walk) | Non-official reference (chope) |
| eNETS | Non-official reference (db) |
| Golfers' Terrace | Non-official reference (visa) |
| HDB (Season Parking) | Non-official reference (db) |
| HDB InfoWEB | Non-official reference (ai suggested) |
| Hometeamns | Non-official reference (visa) |
| Housing & Development Board | Non-official reference (ai suggested) |
| Immigration & Checkpoints Authority | Non-official reference (db) |
| Jalan Besar Town Council | Non-official reference (ai suggested) |
| Jurong Polyclinic | Non-official reference (db) |
| Khoo Teck Puat Hospital | Non-official reference (db) |
| KK Women's and Children's Hospital | Non-official reference (db) |
| Klook | Non-official reference (db) |
| Land Transport Authority | Non-official reference (db) |
| Marina Bay Sands (Hotel) | Non-official reference (db) |
| Marine Parade Town Counci | Non-official reference (visa) |
| Marine Parade Town Council | Non-official reference (ai suggested) |
| Marsiling Co | Non-official reference (visa) |
| Ministry of Education | Non-official reference (db) |
| Ministry Of Law | Non-official reference (visa) |
| Ministry of Manpower | Non-official reference (db) |
| Muis | Non-official reference (visa) |
| National Environment Agency | Non-official reference (db) |
| National Healthcare Group | Non-official reference (ai suggested) |
| National Library Board | Non-official reference (db) |
| National University Hospital | Non-official reference (db) |
| National University Of Singapore | Non-official reference (visa) |
| NETS Flashpay | Non-official reference (db) |
| Nie Conference | Non-official reference (visa) |
| NParks | Non-official reference (db) |
| NUHS Pharmacy | Non-official reference (ai suggested) |
| NUS | Non-official reference (ai suggested) |
| One Motoring | Non-official reference (db) |
| Parking.sg | Non-official reference (db) |
| People's Association | Non-official reference (db) |
| Republic Polytechnic | Non-official reference (visa) |
| Ricciotti (Riverwalk) | Non-official reference (chope) |
| SAFRA | Non-official reference (ai suggested) |
| SAFRA Treats | Non-official reference (db) |
| SAM | Non-official reference (db) |
| Siglap Cc | Non-official reference (visa) |
| Singapore Academy of Law | Non-official reference (ai suggested) |
| Singapore Police Force | Non-official reference (visa) |
| Singapore Pools | Non-official reference (db) |
| Singapore Post Limited | Non-official reference (visa) |
| Singapore Sports Council | Non-official reference (db) |
| Singapore Zoo | Non-official reference (db) |
| SingHealth | Non-official reference (ai suggested) |
| Singtel | Non-official reference (db) |
| Sistic | Non-official reference (db) |
| Sol & Ora (Sentosa) | Non-official reference (chope) |
| SPC | Non-official reference (db) |
| Subway | Non-official reference (db) |
| Tampines Town Council | Non-official reference (ai suggested) |
| Tan Tock Seng Hospital | Non-official reference (db) |
| Tanjong Pagar Town | Non-official reference (visa) |
| Tanjong Pagar Town Counci | Non-official reference (visa) |
| Town Council (Various) | Non-official reference (db) |
| Urban Redevelopment Authority | Non-official reference (db) |
Street Truth / User-Reported Exceptions¶
NUHS Hospital: MCC 9399 (exception, user verified, risk: medium)¶
User reported that transactions at NUHS Hospital on the DBS Woman's World Mastercard code as MCC 9399 (Government Services), which is typically excluded from earning rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NUHS Hospital |
| Card | DBS Woman's World Mastercard |
| MCC | 9399 |
| Programme | DBS Points |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 0 mpd |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:07:34+00:00 |
| Observed result | Coded as MCC 9399 |
| Public/official layer | Standard medical services usually code under MCC 8062/8011, but NUHS codes as 9399 |
| Caveat | Coded as government services instead of medical/hospital MCC |
Health Hub / Health Buddy via Health Hub: MCC 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.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Health Hub / Health Buddy |
| Route | Health Hub |
| MCC | 9399 |
| 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 9399 for non-DBS cards |
| Caveat | DBS cards may code differently; NUHS app might still code as MCC 8099. |
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. |
HealthHub / Public Hospitals via HealthHub: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying hospital bills via the HealthHub app codes as MCC 9399 (Government Services), whereas paying physically on-the-spot at the hospital or clinic codes as MCC 8062 (Hospitals/Doctors).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HealthHub / Public Hospitals |
| Route | HealthHub |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T17:38:46+00:00 |
| Observed result | HealthHub app codes as MCC 9399, physical tap codes as MCC 8062 |
| Caveat | HealthHub app payments code as government services, which is widely excluded by credit cards, while physical counter payments code as medical services. |
Singhealth / HealthHub: MCC 9399 (exception, risk: medium)¶
User reported that singhealth payments via HealthHub may code under MCC 9399 instead of MCC 8099, which could exclude them from MariBank bonus cashback.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Singhealth / HealthHub |
| Card | MariBank Debit Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | unknown |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Users flagged that HealthHub payments are now likely coding as MCC 9399. |
| Public/official layer | MCC 9399 is typically excluded from bank rewards and cashback programs. |
| Caveat | MCC classification may have recently changed from 8099 (Medical Services) to 9399 (Government Services). |
SingHealth (via HealthHub): MCC 9399 (exception, user verified, risk: medium)¶
User reported that singHealth payments made via the HealthHub app code as MCC 9399 (Government Services) rather than MCC 8099.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | SingHealth (via HealthHub) |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Codes as MCC 9399 |
| Caveat | Previously coded as MCC 8099, but has shifted to MCC 9399 which is commonly excluded from credit card rewards |
NUHS Pte Ltd: MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS Pte Ltd codes as MCC 9399 (Government Services) and has been observed to count towards the UOB One Card minimum spend requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS Pte Ltd |
| Card | UOB One |
| MCC | 9399 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-31 |
| Last seen | 2026-05-31T13:36:41+00:00 |
| Observed result | Counted towards the UOB One minimum $500 spending for interest |
| Public/official layer | Government services are typically excluded from UOB One spend |
| Caveat | MCC 9399 is typically excluded from rewards, but was observed to count towards the UOB One minimum spend for interest |
HealthHub / Health Buddy: MCC 8099, 9399 (exception, risk: low)¶
User reported that healthHub (non-NUHS) and Health Buddy code as MCC 8099 (Medical) when using DBS cards, but code as MCC 9399 (Government Services) for other banks' cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | HealthHub / Health Buddy |
| Card | DBS cards |
| MCC | 8099, 9399 |
| Last verified | 2026-04-17T03:47:21+00:00 |
| Last seen | 2026-04-17T03:47:21+00:00 |
| Observed result | DBS cards get MCC 8099, while other cards get MCC 9399. |
| Caveat | Applies to non-NUHS transactions. |
Government Services via PayPal: MCC 9399 (exception, user verified, risk: low)¶
User reported that the American Express True Cashback card awards cashback on government services, such as paying road tax when routed through PayPal.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Government Services |
| Card | Amex True Cashback |
| Route | PayPal |
| MCC | 9399 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.5% |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last seen | 2024-11-26T15:10:48+00:00 |
| Observed result | Cashback is awarded for government transactions |
| Caveat | Requires routing through PayPal where accepted |
government services, hawkers via Amex Pay: MCC 9399 (exception, user verified, risk: low)¶
User reported that aMEX True Cashback Card can earn cashback on government services (such as road tax paid via PayPal) and can be used via Amex Pay at supported SGQR hawkers.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | government services, hawkers |
| Card | AMEX True Cashback Card |
| Route | Amex Pay |
| MCC | 9399 |
| Points currency | cashback |
| Miles / points | 1.5% cashback |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T15:10:48+00:00 |
| Observed result | Earns cashback on government services via PayPal and works at Amex Pay-enabled hawkers. |
| Caveat | Merchant must support the AMEX network on their SGQR code for Amex Pay to work. |
Parks Canada / Banff & Lake Louise Tourism: MCC 8398, 9399 (exception, user verified, risk: low)¶
User reported that purchasing a Parks Canada Discovery Pass via the official Parks Canada website codes as MCC 9399 (Government Services), whereas purchasing it via the Banff & Lake Louise Tourism website codes as MCC 8398 (Charitable and Social Service Organisations).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Parks Canada / Banff & Lake Louise Tourism |
| MCC | 9399, 8398 |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T02:50:28+00:00 |
| Observed result | Parks Canada website codes as MCC 9399; Banff & Lake Louise Tourism website codes as MCC 8398. |
| Caveat | Buying via the tourism website allows avoiding the government services MCC exclusion on many credit cards. |
Ng Teng Fong General Hospital via NUHS App: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying Ng Teng Fong General Hospital (NTFGH) bills via the NUHS mobile app codes as MCC 9399 (Government Services), which does not earn miles on most credit cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ng Teng Fong General Hospital |
| Route | NUHS App |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-23 |
| Last seen | 2024-11-24T08:27:44+00:00 |
| Observed result | Transaction coded as MCC 9399 with no miles awarded. |
| Public/official layer | Most banks exclude MCC 9399 (Government Services) from earning points or miles. |
| Caveat | This is specific to NTFGH via the NUHS app; other hospitals or HealthHub app payments may code differently. |