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DBS

Public Reference MCC Records

MCC Description Source
6012 Financial Institutions – Merchandise and Services Non-official reference (db)
7399 Business Services, Not Elsewhere Classified Non-official reference (db)

Top Miles Cards

No reward rows found.

Top Cashback Cards

No reward rows found.

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.

Shopee: MCC 5262 (exception, user verified, risk: high)

User reported that direct credit card payments for goods on Shopee have been observed coding as ShopeePay MP (MCC 5262) instead of standard e-commerce, affecting bonus earn rates on cards like UOB One, HSBC Revolution, and DBS WWMC.

Field Value
Status active
Confidence medium
Merchant Shopee
Card UOB One, HSBC Revolution, DBS WWMC
MCC 5262
Last verified 2026-05-16T07:30:46+00:00
Last seen 2026-05-16T07:30:46+00:00
Observed result Direct payments coded as MCC 5262 (ShopeePay MP), potentially jeopardizing bonus cashback or miles.
Public/official layer Direct purchases on Shopee should code as e-commerce/retail.
Caveat May be related to auto top-up settings or a temporary platform glitch.

Hotels (exception, user verified, risk: medium)

User reported that dBS Woman's World Mastercard (WWMC) may not earn bonus miles for hotel bookings if the hotel processes the charge offline later; UOB Lady's Card is safer as it relies on the Travel MCC rather than online transaction status.

Field Value
Status active
Confidence high
Merchant Hotels
Card DBS Woman's World Mastercard
Last verified 2026-05-13T06:01:12+00:00
Last seen 2026-05-13T06:01:12+00:00
Observed result Hotel processed charge offline, resulting in no bonus miles
Public/official layer DBS WWMC awards 4mpd on online transactions
Caveat Applies to hotels that capture card details online but process the actual charge offline

Mount Elizabeth Hospital: MCC 8062, 8071 (exception, user verified, risk: low)

User reported that hospital bills under MCC 8062 are excluded from earning points/miles on DBS Vantage, whereas dental bills under MCC 8071 are not excluded and will successfully earn rewards.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Mount Elizabeth Hospital
Card DBS Vantage
MCC 8062, 8071
Programme DBS Points
Programme type bank_transfer
Points currency DBS Points
Devaluation risk low
Last verified 2026-06-04
Last seen 2026-06-04T05:17:29+00:00
Observed result User received cashback/points for a dental transaction at Mount E (MCC 8071) but confirmed MCC 8062 yields no miles.
Public/official layer MCC 8062 (Hospitals) is excluded from DBS rewards; MCC 8071 (Dental) is not on the exclusion list.
Caveat Always verify the merchant's MCC via DBS Digibot before making large transactions.

Mount Elizabeth Hospital / Dentist: MCC 8062, 8071 (exception, user verified, risk: low)

User reported that hospital bills under MCC 8062 are excluded from earning rewards on DBS Vantage, whereas dental services under MCC 8071 are not excluded and successfully earn rewards.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Mount Elizabeth Hospital / Dentist
Card DBS Vantage
MCC 8062, 8071
Programme DBS Points
Programme type bank_transfer
Points currency points
Devaluation risk low
Last verified 2026-06-04
Last seen 2026-06-04T05:17:29+00:00
Observed result User received cashback/rewards for a dental transaction at Mount E (MCC 8071) but noted hospital bills (MCC 8062) do not earn miles
Public/official layer MCC 8062 (Hospitals) is typically excluded from DBS rewards, while MCC 8071 (Dental Laboratories/Services) is not on the standard exclusion list
Caveat Always verify the merchant's specific MCC via Digibot before making large transactions

Mount Elizabeth Orchard: MCC 8062, 8071 (exception, user verified, risk: low)

User reported that dBS Vantage excludes MCC 8062 (Hospitals) from earning rewards, but MCC 8071 (Dental) is not excluded and successfully earns rewards.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Mount Elizabeth Orchard
Card DBS Vantage Visa Infinite Card
MCC 8062, 8071
Programme DBS Points
Programme type bank_transfer
Points currency points
Devaluation risk low
Last verified 2026-06-04
Last seen 2026-06-04T05:17:29+00:00
Observed result User received rewards/cashback for a dental transaction at Mount Elizabeth Orchard under MCC 8071.
Public/official layer DBS Vantage excludes MCC 8062 (Hospitals) from earning points/miles.
Caveat Hospital bills under MCC 8062 are strictly excluded, but dental clinics typically code under MCC 8071 which is eligible.

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.

Suica via Amaze: MCC 4112 (exception, user verified, risk: medium)

User reported that mastercard Travel Rewards Suica top-up rebate (200 JPY rebate for 3,000 JPY top-up) is no longer eligible for Singapore-issued Mastercards like DBS WWMC and Citi Prestige, but still works via Amaze.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Suica
Card Amaze
Route Amaze
MCC 4112
Programme Mastercard Travel Rewards
Programme type other
Points currency cashback
Award route / region Japan
Miles / points 200 JPY rebate
Devaluation risk medium
Last verified 2024-10-31
Last seen 2024-10-31T13:54:04+00:00
Observed result Singapore Mastercards failed/ineligible, Amaze still works
Public/official layer Mastercard Travel Rewards offers Suica top-up rebates for eligible Mastercards
Caveat Singapore-issued Mastercards are reported as ineligible directly

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.

Alipay / WeChat Pay: via Alipay / WeChat Pay / Amaze (exception, user verified, risk: medium)

User reported that alipay and WeChat Pay act as MCC roulettes, potentially altering the underlying merchant MCC. Recommended cards for these platforms include Amaze paired with Citi Rewards (avoiding travel MCCs), DBS Woman's World Mastercard (as a catch-all), or UOB Visa Signature (subject to minimum spend).

Field Value
Status active
Confidence high
Merchant Alipay / WeChat Pay
Card Citi Rewards / DBS WWMC / UOB Visa Signature
Route Alipay / WeChat Pay / Amaze
Last verified 2026-05-07T09:24:25+00:00
Last seen 2026-05-07T09:24:25+00:00
Observed result Alipay and WeChat Pay frequently change or mask the underlying MCC.
Public/official layer Transactions should reflect the underlying merchant's MCC.
Caveat Alipay and WeChat Pay can alter original merchant MCCs, creating risk of excluded categories. | Stacking: Alipay / WeChat Pay -> Amaze -> Citi Rewards

Google Play Store: MCC 7372 (exception, user verified, risk: high)

User reported that google Play Store transactions (e.g., game top-ups) have started randomly coding as MCC 7372 instead of 5818, resulting in no bonus points on the DBS Woman's World Mastercard.

Field Value
Status active
Confidence high
Merchant Google Play Store
Card DBS Woman's World Mastercard
MCC 7372
Last verified 2026-04-19T10:17:53+00:00
Last seen 2026-04-19T10:17:53+00:00
Observed result Transactions coding as MCC 7372 do not earn bonus points.
Public/official layer Online transactions earn 4mpd unless excluded.
Caveat Coding is inconsistent; some transactions may still code as 5818.

Helpling: MCC 5734 (exception, user verified, risk: medium)

User reported that helpling direct charges (MCC 5734) earn bonus points on Citi Rewards Mastercard (CRM) and DBS Woman's World Mastercard (WWMC), but not on Citi Rewards Visa (CRV) which codes it as offline.

Field Value
Status active
Confidence high
Merchant Helpling
Card Citi Rewards Mastercard
MCC 5734
Last verified 2026-04-17T05:43:38+00:00
Last seen 2026-04-17T05:43:38+00:00
Observed result CRV treated it as offline (no 10x), while CRM and WWMC treated it as online (earned bonus).
Public/official layer Online transactions earn bonus points.
Caveat CRV does not earn 10x.

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.

Manulife (exception, user verified, risk: medium)

User reported that dBS Vantage card awarded points for a Manulife insurance transaction despite customer service stating it would not earn points due to the MCC.

Field Value
Status active
Confidence high
Merchant Manulife
Card DBS Vantage
MCC Insurance
Last verified 2026-04-15T13:33:06+00:00
Last seen 2026-04-15T14:20:22+00:00
Observed result Points were successfully awarded for the transaction.
Public/official layer Insurance transactions typically do not earn points.
Caveat CSO stated it shouldn't earn points, so there may be clawback risk or inconsistency.

ISCA (exception, user verified, risk: low)

User reported that iSCA course fees earn 4 mpd when paid with the DBS Woman's World Mastercard (WWMC).

Field Value
Status active
Confidence high
Merchant ISCA
Card DBS Woman's World Mastercard
Last verified 2026-04-14T07:02:46+00:00
Last seen 2026-04-14T07:02:46+00:00
Observed result User successfully earned 4 mpd on ISCA course fees using DBS WWMC.
Public/official layer Education MCCs are typically excluded from rewards by most banks.

Healthbuddy: via Healthbuddy app (exception, user verified, risk: medium)

User reported that medical bills paid via the Healthbuddy app using DBS Woman's Card code as 'Health and Fitness' instead of a medical MCC

Field Value
Status active
Confidence high
Merchant Healthbuddy
Card DBS Woman's World Card
Route Healthbuddy app
MCC Health and Fitness
Last verified 2026-04-11T23:33:36+00:00
Last seen 2026-04-11T23:33:36+00:00
Observed result Transaction coded as 'Health and Fitness', potentially bypassing the medical exclusion
Public/official layer Medical transactions are typically excluded from DBS WWMC bonus points
Caveat Stacking: Healthbuddy app -> DBS Woman's World Card

User reported that eZ-Link top-ups using the DBS Woman's World Mastercard still earn base points (0.4 mpd / 1X points).

Field Value
Status active
Confidence high
Source layer user_reported
Merchant EZ-Link
Card DBS Woman's World Mastercard
MCC 6540
Programme DBS Points
Programme type bank_transfer
Points currency points
Miles / points 0.4 mpd
Devaluation risk medium
Last verified 2024-10-28
Last seen 2024-10-28T23:53:23+00:00
Observed result User observed that base points were still awarded for EZ-Link top-up.
Public/official layer Points are typically excluded for prepaid account top-ups.
Caveat Only base points are awarded, not the bonus 4 mpd.

Sevenrooms (exception, user verified, risk: low)

User reported that restaurant reservation payments made on Sevenrooms are coded as Travel, making them eligible for online travel bonus rates on cards like the DBS Woman's World Card.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Sevenrooms
Card DBS Woman's World Card
MCC Travel
Programme type bank_transfer
Points currency miles
Miles / points 4 mpd
Devaluation risk low
Last verified 2024-12-13
Last seen 2024-12-13T12:48:25+00:00
Observed result Tagged as Travel and successfully earned bonus points on DBS WWMC

Merchant: via Kris+ (exception, user verified, risk: low)

User reported that kris+ payments retain the underlying merchant's MCC (e.g., dining MCC for restaurants) while being processed as an online transaction, which can trigger online bonuses for cards like DBS Woman's World Card.

Field Value
Status active
Confidence high
Source layer user_reported
Card DBS Woman's World Card
Route Kris+
Programme KrisFlyer
Programme type bank_transfer
Points currency miles
Devaluation risk low
Last verified 2024-11-27
Last seen 2024-11-27T06:42:08+00:00
Observed result Retains underlying MCC but codes as online transaction
Caveat Useful for stacking dining-specific cards that require the correct MCC alongside online-specific cards

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

HealthHub via HealthHub online portal: MCC 8062 (exception, user verified, risk: medium)

User reported that online medical bill payments via HealthHub earn rewards on DBS WWMC and Citi Rewards, but do not qualify for rewards on UOB Signature or UOB Preferred Platinum Visa.

Field Value
Status active
Confidence medium
Source layer user_reported
Merchant HealthHub
Card Citi Rewards
Route HealthHub online portal
MCC 8062
Programme Citi ThankYou Points
Programme type bank_transfer
Points currency points
Miles / points 4 mpd
Devaluation risk low
Last verified 2024-10-31
Last seen 2024-10-31T14:21:56+00:00
Observed result Citi Rewards and DBS WWMC successfully earn rewards for HealthHub, while UOB Signature and UOB PPV do not.
Public/official layer Citi Rewards excludes hospital MCCs (e.g., 8062).
Caveat Citi Rewards officially excludes hospitals, but online processing via HealthHub is reported to work.

Suica via Apple Pay/Google Pay: MCC 4112 (exception, user verified, risk: medium)

User reported that dBS Woman's World Mastercard (WWMC) transactions for Suica top-ups (MCC 4112) are frequently blocked by default, but the restriction can be temporarily lifted by calling DBS customer service.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Suica
Card DBS Woman's World Card
Route Apple Pay/Google Pay
MCC 4112
Programme DBS Points
Programme type bank_transfer
Points currency points
Miles / points 4 mpd
Devaluation risk low
Last verified 2024-10-31
Last seen 2024-10-31T14:17:26+00:00
Observed result DBS blocks the transaction until the user calls in to temporarily lift the restriction.
Public/official layer Transactions should go through if security parameters are met.
Caveat Requires calling the bank to manually and temporarily lift the security block.

HealthHub via HealthHub: MCC 8062 (exception, user verified, risk: low)

User reported that dBS Woman's World Mastercard and Citi Rewards Card earn rewards for online medical bill payments via HealthHub, whereas UOB Signature and UOB Preferred Platinum Visa do not.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant HealthHub
Card DBS Woman's World Mastercard
Route HealthHub
MCC 8062
Programme type bank_transfer
Points currency miles
Devaluation risk low
Last verified 2024-10-31
Last seen 2024-10-31T14:21:56+00:00
Observed result DBS WWMC and Citi Rewards earn points, UOB Signature and PPV do not
Caveat UOB Signature and UOB PPV do not work for this route

Giant / Cold Storage / CS Fresh: MCC 5411 (exception, user verified, risk: medium)

User reported that purchasing gift cards and vouchers at DFI retail stores (Giant, Cold Storage, CS Fresh) using the DBS yuu Card still awards the bonus 10 mpd (18% cash rebate) despite official T&C exclusions.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Giant / Cold Storage / CS Fresh
Card DBS yuu Card
MCC 5411
Programme yuu
Programme type bank_transfer
Points currency yuu Points
Transfer partner KrisFlyer
Transfer ratio 3.6 yuu Points -> 1 KrisFlyer Mile
Miles / points 10 mpd
Sweet spot yes
Devaluation risk medium
Last verified 2024-10-19
Last seen 2024-10-19T10:30:26+00:00
Observed result DBS yuu card-side bonus points have consistently posted for voucher purchases at DFI outlets
Public/official layer Gift cards and vouchers are officially excluded from earning points under DBS yuu T&Cs
Caveat The yuu app itself will not award points for voucher purchases, but the DBS yuu card-side bonus points still post