AXS¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 4814 | Fax Services, Telecommunication Services | Non-official reference (db) |
| 6513 | Real Estate Agents and Managers | Non-official reference (db) |
| 7399 | Business Services, Not Elsewhere Classified | Non-official reference (db) |
| 7523 | Automobile Parking Lots and Garages | Non-official reference (db) |
| 9399 | Government Services (not Elsewhere Classified) | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| Chocolate Visa Debit Card AXS |
2 mpd | S$1,000 | This is an eligible merchant | |
| American Express Singapore Airlines Solitaire PPS Credit Card AXS |
1.3 mpd | |||
| American Express Singapore Airlines PPS Club Credit Card AXS |
1.3 mpd | |||
| American Express Singapore Airlines Business (HighFlyer) Card AXS |
1.2 mpd | |||
| American Express Singapore Airlines KrisFlyer Ascend Credit Card AXS |
1.2 mpd | |||
| American Express Singapore Airlines KrisFlyer Credit Card AXS |
1.1 mpd | |||
| OCBC 90°N Mastercard Card AXS |
1 mpd | |||
| OCBC 90°N Visa Card AXS |
1 mpd | |||
| OCBC Bank of Singapore VOYAGE Card AXS |
1 mpd | |||
| OCBC PREMIER Private Client VOYAGE Card AXS |
1 mpd |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| American Express True Cashback Card AXS |
3% | S$5,000 | 3% welcome bonus up to S$5,000 spend in the first 6 months | |
| Maybank Family & Friends Card AXS |
30% | Applicable at AXS only |
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. |
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. |
Town Council via AXS: MCC 7399 (exception, user verified, risk: low)¶
User reported that paying Town Council bills via AXS coded as MCC 7399 instead of a Government Services MCC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Town Council |
| Route | AXS |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-07T13:48:18+00:00 |
| Last seen | 2026-04-07T13:48:18+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Town Council payments typically code under Government Services (MCC 9399). |
| Caveat | User phrasing 'axs simplygo' is slightly ambiguous, but explicitly noted the MCC as 7399 instead of expected government services. |
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. |
Singtel via AXS: MCC 4814 (exception, user verified, risk: medium)¶
User reported that singtel in-app bill payments have transitioned to using the AXS platform, which excludes them from earning rewards on most credit cards. Paying via the Singtel website remains a workaround.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Route | AXS |
| MCC | 4814 |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:39:26+00:00 |
| Observed result | In-app payments are processed via AXS and do not earn rewards, while website payments still process normally. |
| Public/official layer | AXS transactions are widely excluded from earning rewards across almost all Singapore credit cards. |
| Caveat | Website payment may also eventually transition to AXS. |
Singtel via Singtel Website vs Singtel App: MCC 4814 (exception, user verified, risk: high)¶
User reported that paying Singtel bills via the official website with Citi Rewards Card still earns 4 mpd, but paying via the Singtel app has changed to AXS payment and no longer earns points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Citi Rewards Card |
| Route | Singtel Website vs Singtel App |
| MCC | 4814 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | medium |
| Last verified | 2024-12-04 |
| Last seen | 2024-12-04T01:23:16+00:00 |
| Observed result | Singtel website payment awarded 4 mpd, while Singtel app payment coded as AXS and earned 0 points |
| Public/official layer | AXS transactions are excluded from earning points on Citi cards |
| Caveat | Singtel app payments now route through AXS, which is a standard exclusion |