SimplyGo¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 4111 | Local/suburban Commuter Passenger Transportation – Railroads, Ferries, Local Water Transportation | 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 |
|---|---|---|---|---|
| DBS yuu American Express Card SimplyGo |
10 mpd | S$822.86 | S$800 | Eligible on Yuu merchants |
| DBS yuu Visa Card SimplyGo |
10 mpd | S$822.86 | S$800 | Eligible on Yuu merchants |
| Standard Chartered Smart Card SimplyGo |
9.28 mpd | S$1500 | This is an eligible merchant | |
| UOB Lady's Card SimplyGo |
4 mpd | S$1,000 | Must select Transport category | |
| UOB Lady's Solitaire Card SimplyGo |
4 mpd | S$750 | Must select Transport category | |
| UOB Preferred Visa Card SimplyGo |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card SimplyGo |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| Standard Chartered Journey Card SimplyGo |
3 mpd | S$1,000 | This is an eligible merchant; Must complete transaction online to be eligible for this reward | |
| Standard Chartered Visa Infinite Credit Card SimplyGo |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card SimplyGo |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| BOC Qoo10 World Mastercard SimplyGo |
15% | S$40 | S$800 | Applicable for public transport only |
| Trust Cashback Credit Card SimplyGo |
15% | S$250 | S$2,000 | Must select Transport category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| BOC Qoo10 Platinum Mastercard SimplyGo |
10% | S$20 | S$200 | Applicable for public transport only |
| OCBC Frank Credit Card SimplyGo |
10% | S$25 | S$800 | This is an eligible Eco merchant |
| UOB EVOL Credit Card SimplyGo |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
Street Truth / User-Reported Exceptions¶
SimplyGo via SimplyGo: MCC 6540 (exception, user verified, risk: high)¶
User reported that simplyGo top-ups on both Mastercard and Visa networks have been reclassified to MCC 6540 (POI Funding/Stored Value Card Purchase/Load), which typically excludes them from earning card rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SimplyGo |
| Route | SimplyGo |
| MCC | 6540 |
| Devaluation risk | high |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T16:29:33+00:00 |
| Observed result | SimplyGo transactions coded as MCC 6540 on both Visa and Mastercard |
| Caveat | Top-ups up to 6 June 2026 were reported as still earning/safe, but subsequent tests on 9 and 10 June 2026 confirmed the change to MCC 6540. |
Transit Link / SimplyGo via SimplyGo: MCC 4111 (exception, user verified, risk: low)¶
User reported that aMEX transit promotion spend requirements (e.g., spend S$10 on MRT/Bus for cashback or bonus miles) are cumulative across multiple rides rather than requiring a single S$10 transaction.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Transit Link / SimplyGo |
| Card | AMEX Platinum Credit Card |
| Route | SimplyGo |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback/miles |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T02:18:04+00:00 |
| Observed result | Multiple smaller transit transactions accumulate to hit the S$10 target. |
| Public/official layer | Spend S$10 on transit to receive the offer reward. |
| Caveat | Must register for the specific Amex Offer first. |
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. |
Merchant via SimplyGo: MCC 4111, 4900, 8211, 8220, 8241, 8244, 8249, 8299 (exception, user verified, risk: low)¶
User reported that the Maybank FC Barcelona Visa card offers 1.6% cashback with no minimum spend and includes commonly excluded categories such as education, utilities, and public transport (SimplyGo).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Maybank FC Barcelona |
| Route | SimplyGo |
| MCC | 8211, 8220, 8241, 8244, 8249, 8299, 4900, 4111 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.6% |
| Devaluation risk | low |
| Last verified | 2024-12-10 |
| Last seen | 2024-12-10T14:47:50+00:00 |
| Observed result | Cashback awarded for education, utilities, and SimplyGo transactions |
| Public/official layer | 1.6% cashback on local retail transactions with no minimum spend |
| Caveat | Government services are excluded, unlike Amex True Cashback |
AIA via SimplyGo EZ-Link: MCC 6300 (exception, user verified, risk: low)¶
User reported that aIA insurance premiums can be paid using a SimplyGo EZ-Link card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | AIA |
| Route | SimplyGo EZ-Link |
| MCC | 6300 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T07:32:49+00:00 |
| Observed result | User successfully paid their AIA insurance premium using a SimplyGo EZ-Link card. |
| Caveat | Requires topping up the SimplyGo EZ-Link card beforehand; check if your credit card rewards EZ-Link top-ups. |