Allo¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5817 | Digital Goods — Software Applications (excluding games) | Non-official reference (visa) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Citi Rewards Card Allo |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Citi Rewards VISA Card Allo |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| DBS Woman's World Credit Card Allo |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| Standard Chartered Visa Infinite Credit Card Allo |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Allo |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card Allo |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Allo |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard Allo |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa Allo |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Visa Infinite Credit Card Allo |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB EVOL Credit Card Allo |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| OCBC Frank Credit Card Allo |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Allo |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Allo |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| Citi SMRT Card Allo |
5% | S$500 | Must complete transaction online to be eligible for this reward |
Street Truth / User-Reported Exceptions¶
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. |
Singapore General Hospital: MCC 8062 (exception, user verified, risk: low)¶
User reported that singapore General Hospital (SGH) allows advance payments (deposits) for future scheduled appointments, 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 |
| MCC | 8062 |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T11:29:26+00:00 |
| Observed result | User verified at SGH Ambulatory Endoscopy Centre that advance deposits can be made and surplus is refunded via PayNow to patient's NRIC. |
| Public/official layer | Deposits are held for future appointments and finalized after the visit. |
| Caveat | Requires a scheduled future appointment; refund goes to the patient's NRIC. |
Unity: MCC 5912 (exception, user verified, risk: medium)¶
User reported that topping up FairPrice physical gift cards at Unity outlets is restricted and no longer allowed by staff, blocking a common workaround for UOB Lady's Solitaire cardholders earning under the Beauty & Wellness category.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Unity |
| Card | UOB Lady's Solitaire |
| MCC | 5912 |
| Programme | UOB Lady's |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | high |
| Last verified | 2026-06-07 |
| Last seen | 2026-06-07T08:50:11+00:00 |
| Observed result | Staff refuse to process FairPrice physical gift card top-ups at the register. |
| Caveat | Specifically observed and reported at Westmall and NEX outlets. |
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 |
Australia Visa, HealthHub, SimplyGo: via Chocolate Finance (exception, user verified, risk: low)¶
User reported that chocolate Finance blocks Australian visa payments (likely Government Services MCC) and some retail, but allows SimplyGo, HealthHub, and overseas parking.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Australia Visa, HealthHub, SimplyGo |
| Route | Chocolate Finance |
| MCC | Government Services |
| Devaluation risk | unknown |
| Last verified | 2026-03-22T03:51:14+00:00 |
| Last seen | 2026-03-22T03:51:38+00:00 |
| Observed result | Visa payment blocked, SimplyGo and HealthHub went through successfully. |
| Caveat | HealthHub works despite being a government service. |
Zenith Tuition via CardUp: MCC 7399 (exception, risk: low)¶
User reported that zenith tuition payments processed via CardUp are billed directly under the merchant name 'Zenith' (MCC 7399) rather than 'CardUp', allowing specialized 4mpd cards to earn rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Zenith Tuition |
| Card | UOB Preferred Platinum Visa / HSBC Visa Signature / Citi Rewards |
| Route | CardUp |
| MCC | 7399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.75% to 1.95% CardUp admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-21 |
| Last seen | 2026-03-21T10:51:41+00:00 |
| Observed result | The transaction is billed directly as Zenith (MCC 7399), bypassing the standard CardUp exclusions. |
| Public/official layer | CardUp payments are generally excluded from 4mpd specialized spending categories. |
| Caveat | This relies on CardUp's direct-billing integration for specific merchants where the transaction is not masked as CardUp. |
Singtel via Singtel App: MCC 4814 (exception, user verified, risk: low)¶
User reported that paying Singtel bills directly via the Singtel App no longer routes through AXS, allowing eligible credit cards to earn rewards or miles on telco transactions.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | Singtel App |
| MCC | 4814 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-12-14 |
| Last seen | 2024-12-14T10:27:40+00:00 |
| Observed result | Transactions do not go through AXS, allowing standard card rewards to apply |
| Caveat | Subject to individual bank exclusions on telecommunication MCCs. |
Pocket Concierge via Pocket Concierge: MCC 5812 (exception, user verified, risk: low)¶
User reported that booking Japan restaurants via Pocket Concierge charges the Amex Platinum Charge card immediately at the time of booking, allowing users to trigger the current year's $200 overseas dining credit for a future year's reservation.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pocket Concierge |
| Card | Amex Platinum Charge |
| Route | Pocket Concierge |
| MCC | 5812 |
| Programme | Amex Global Dining Credit |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Miles / points | $200 rebate |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T15:23:43+00:00 |
| Observed result | Pre-paying via Pocket Concierge triggers the $200 rebate in the month of booking, even if the dining date is in the next year. |
| Public/official layer | Amex overseas dining credit requires payment at participating overseas restaurants. |
| Caveat | Any additional orders made during the actual dining session will be charged to the same card later. |
Best Denki (Bishan) via FavePay: MCC 5311 (exception, user verified, risk: low)¶
User reported that paying at Best Denki Bishan using FavePay QR codes as MCC 5311 (Department Stores) instead of MCC 5732 (Electronics), which allows earning on cards like HSBC Revolution or OCBC Titanium Rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Best Denki (Bishan) |
| Card | HSBC Revolution |
| Route | FavePay |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T11:58:06+00:00 |
| Observed result | Coded as MCC 5311 (Department Stores) |
| Public/official layer | Electronics stores typically code as MCC 5732 |
| Caveat | Specifically observed at the Bishan outlet using FavePay QR |
Gain City: MCC 5732 (exception, user verified, risk: low)¶
User reported that gain City allows customers to make split payments online via custom payment links sent by staff, enabling users to break down large transactions to fit within monthly credit card rewards caps.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gain City |
| Card | Citi Rewards Card |
| MCC | 5732 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 10x points |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-10-28 |
| Last seen | 2024-10-28T00:58:00+00:00 |
| Observed result | Staff can generate multiple online payment links for a single invoice to spread payments across statement months. |
| Caveat | Requires coordinating with Gain City staff to generate and send the online payment links. |