Atome¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5999 | Miscellaneous and Specialty Retail Stores | Non-official reference (db) |
| 6011 | Financial Institutions – Automated Cash Disbursements | Non-official reference (db) |
| 6540 | Non-financial Institutions – Stored Value Card Purchase/load; Poi Funding Transactions | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Citi Rewards Card Atome |
4 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Citi Rewards VISA Card Atome |
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 Atome |
4 mpd | S$1,000 | Must complete transaction online to be eligible for this reward | |
| HSBC Revolution Credit Card Atome |
4 mpd | S$1,000 | This is a whitelist MCC | |
| UOB Preferred Visa Card Atome |
4 mpd | S$600 | Must complete transaction online to be eligible for this reward | |
| Standard Chartered Visa Infinite Credit Card Atome |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Atome |
2.4 mpd | Reward on foreign currency expenditure | ||
| KrisFlyer UOB Credit Card Atome |
2.4 mpd | S$800 | With minimum S$800 annual spend on Singapore Airlines, Scoot, and KrisShop | |
| UOB Reserve Credit Card Atome |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Atome |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Trust Cashback Credit Card Atome |
15% | S$250 | S$2,000 | Must select Shopping category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| UOB EVOL Credit Card Atome |
10% | S$30 | S$800 | Must complete transaction online to be eligible for this reward |
| OCBC Frank Credit Card Atome |
8% | S$25 | S$800 | |
| ICBC UnionPay Dual Currency Credit Card Atome |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
| ICBC Visa Dual Currency Credit Card Atome |
8% | S$50 | S$500 | You must hit the minimum spending for 3 consecutive months |
Street Truth / User-Reported Exceptions¶
Hitpay via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome (which codes as MCC 5999) via Hitpay can be used to successfully trigger DBS Shop Dine Travel promotion cashback, effectively masking non-qualifying merchant MCCs such as MCC 5533.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hitpay |
| Card | DBS Credit Cards |
| Route | Atome |
| MCC | 5999 |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T10:13:42+00:00 |
| Observed result | User successfully received $100 cashback for a $1,500 spend at a car brake dealer using Atome via Hitpay (MCC 5999). |
| Caveat | Requires the merchant to support Hitpay and Atome payment options. |
Hitpay / Atome via Atome via Hitpay: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome via Hitpay for purchases codes as MCC 5999 (instead of the merchant's direct MCC like 5533), which successfully qualifies for the DBS Shop Dine Travel promotion cashback.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hitpay / Atome |
| Card | DBS Cards |
| Route | Atome via Hitpay |
| MCC | 5999 |
| Programme | DBS Shop Dine Travel Promotion |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T10:13:42+00:00 |
| Observed result | User successfully received $100 cashback on a $1,500 spend at a brake dealer using this route. |
| Public/official layer | Direct credit card payments to automotive/brake shops (MCC 5533) may be excluded or fail to trigger the DBS promo, but routing through Atome/Hitpay masks the MCC to 5999. |
| Caveat | Requires the merchant to support Hitpay and Atome payment options |
Merchant via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that atome transactions code as MCC 5999. Paying Atome installments manually (instead of automatic deduction) successfully triggers credit card rewards on cards like Citi Rewards Mastercard and HSBC Revolution.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Rewards Mastercard |
| Route | Atome |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T13:25:43+00:00 |
| Observed result | Manual payment of Atome bills successfully awards rewards on Citi Rewards Mastercard and HSBC Revolution. |
| Caveat | Users recommend paying manually close to the due date rather than relying on automatic deductions to ensure rewards are credited. |
Merchant via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that paying via Atome changes the transaction MCC to 5999, which still qualifies for credit card rewards on cards like Citi Rewards Mastercard and HSBC Revolution.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Rewards Mastercard |
| Route | Atome |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles/points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T13:25:43+00:00 |
| Observed result | Changes MCC to 5999 and earns rewards on CRMC and Revo. |
| Caveat | Manual payments of Atome installments are recommended to ensure rewards and manage limits. |
Atome via Amaze: MCC 5999 (exception, user verified, risk: low)¶
User reported that atome transactions code as MCC 5999. Paying Atome installments manually (instead of relying on auto-deductions) using Amaze linked to Citi Rewards Mastercard or HSBC Revolution successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Atome |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5999 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-23 |
| Last seen | 2024-11-23T13:25:43+00:00 |
| Observed result | Manually paying Atome bills via Amaze + CRMC/Revo successfully earns 4 mpd. |
| Caveat | Automatic deductions may fail to trigger rewards; manual payment of the installment bills is recommended. |