Nerfs and Clawbacks¶
Total claims: 87
Inland Revenue Authority of Singapore (IRAS): MCC 9311 (exception, user verified, risk: high)¶
User reported that using the Standard Chartered Visa Infinite tax payment facility to meet the sign-up bonus minimum spend has highly inconsistent results, with some users successfully receiving points while others had to appeal for months.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Inland Revenue Authority of Singapore (IRAS) |
| Card | Standard Chartered Visa Infinite |
| MCC | 9311 |
| Programme | Standard Chartered 360° Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T12:48:16+00:00 |
| Observed result | Some users successfully counted the tax payment facility towards the sign-up bonus minimum spend, while others did not and had to appeal. |
| Public/official layer | Tax payments (MCC 9311) are excluded from eligible retail transactions. |
| Caveat | Official T&Cs exclude MCC 9311 (Tax Payments) from eligible retail spend, but the tax payment facility behaves differently. |
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 |
Merchant via CardUp/SC EasyBill/SC Income Tax Payment Facility: MCC 9311 (exception, user verified, risk: low)¶
User reported that cardUp, SC EasyBill, and the SC Income Tax Payment Facility transactions count towards the S$2,000 minimum spend requirement for the Standard Chartered Visa Infinite 50,000 miles sign-up bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Standard Chartered Visa Infinite |
| Route | CardUp/SC EasyBill/SC Income Tax Payment Facility |
| MCC | 9311 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T13:37:16+00:00 |
| Observed result | Users confirmed these transactions successfully count towards the S$2,000 sign-up bonus spend. |
| Public/official layer | Tax payments (MCC 9311) are generally excluded from retail spend, but specific sign-up promo terms allow SC EasyBill, CardUp, and the SC Income Tax Payment Facility. |
| Caveat | General retail exclusions list MCC 9311 as excluded, but these specific payment routes/facilities are explicitly included for the sign-up bonus spend. |
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. |
NUHS (National University Health System): MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS (National University Health System) payments code as MCC 9399 (Government Services) instead of MCC 8062 (Hospitals), which excludes them from earning rewards on cards like the Citi Woman's World Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS (National University Health System) |
| Card | Citi Woman's World Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:20:14+00:00 |
| Observed result | NUHS transactions coded as MCC 9399. |
| Public/official layer | Citi Woman's World Card excludes MCC 9399 (Government Services) from earning points. |
| Caveat | Other hospitals like SGH may code under MCC 8062, but KKH and NUHS are known to be difficult or code as government services. |
NextVisit via NextVisit: MCC 8062 (exception, user verified, risk: low)¶
User reported that payments made via the NextVisit app code as MCC 8062 (Hospitals) and successfully qualify for Trust Bank cashback and count towards UOB One card spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NextVisit |
| Card | Trust Cashback Card / UOB One Card |
| Route | NextVisit |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | medium |
| Last seen | 2026-06-10T18:04:45+00:00 |
| Observed result | NextVisit app payments code as MCC 8062 and successfully trigger Trust cashback and UOB One spend |
| Public/official layer | Hospital transactions are typically excluded from rewards on many cards |
| Caveat | Requires on-the-spot tap payment via the app |
Hospitals / Schools (exception, risk: low)¶
User reported that maybank credit cards generally do not exclude medical or education MCCs from earning rewards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | Hospitals / Schools |
| Card | Maybank |
| MCC | Medical / Education |
| Last verified | 2026-04-14T08:17:05+00:00 |
| Last seen | 2026-04-14T08:17:05+00:00 |
| Observed result | Maybank continues to award points/cashback for these categories. |
| Public/official layer | Most banks exclude medical and education MCCs from rewards. |
| Caveat | Other standard exclusions still apply even for foreign currency transactions. |
Marks & Spencer via Samsung Pay: MCC 5311 (exception, user verified, risk: low)¶
User reported that citi Rewards Card earns 4 mpd on whitelisted MCCs (such as MCC 5311 Department Stores) when paid via in-store mobile wallets (Apple Pay, Google Pay, Samsung Pay), despite customer service officers sometimes incorrectly claiming they are excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Marks & Spencer |
| Card | Citi Rewards Card |
| Route | Samsung Pay |
| MCC | 5311 |
| Programme | Citi ThankYou Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last seen | 2026-06-10T13:07:36+00:00 |
| Observed result | CSOs incorrectly claim mobile wallets are excluded when users query missing points. |
| Public/official layer | In-store mobile wallet transactions on whitelisted MCCs earn 4 mpd. |
| Caveat | The transaction must fall under a whitelisted MCC; CSOs frequently give incorrect advice regarding mobile wallet exclusions. |
HealthHub / Public Hospitals via HealthHub: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying hospital bills via the HealthHub app codes as MCC 9399 (Government Services), whereas paying physically on-the-spot at the hospital or clinic codes as MCC 8062 (Hospitals/Doctors).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HealthHub / Public Hospitals |
| Route | HealthHub |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T17:38:46+00:00 |
| Observed result | HealthHub app codes as MCC 9399, physical tap codes as MCC 8062 |
| Caveat | HealthHub app payments code as government services, which is widely excluded by credit cards, while physical counter payments code as medical services. |
Merchant: via Amaze (exception, user verified, risk: medium)¶
User reported that amaze refunds are credited to the currently linked card rather than the original card used for the purchase. If the currently linked card (e.g., Citi Rewards) excludes the refunded transaction's MCC (e.g., travel), no points are clawed back.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Card | Citi Rewards |
| Route | Amaze |
| Last verified | 2026-04-26T11:09:32+00:00 |
| Last seen | 2026-04-26T11:09:32+00:00 |
| Observed result | Refund is processed to the currently linked card, avoiding points clawback if the new card excludes the MCC. |
| Public/official layer | Refunds should reverse the points earned on the original card used for the transaction. |
| Caveat | May be considered gaming by the bank. | Stacking: Amaze -> Citi Rewards |
Insurance: MCC 6300 (exception, user verified, risk: low)¶
User reported that insurance premium payments charged directly to Citi credit cards do not earn miles, but they do count as qualifying spend for welcome offers and the $12,000 quarterly spend required for the free airport limo benefit.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | Insurance |
| Card | Citi PremierMiles |
| MCC | 6300 |
| Programme type | airport_lounge |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T12:55:10+00:00 |
| Observed result | Users confirmed insurance premium payments count towards the $12k quarterly spend for the free airport limo ride. |
| Public/official layer | Citi T&Cs exclude insurance from earning points/miles, but include it in qualifying spend for retail milestones unless paid via interest-free installments or specific excluded bill payment channels. |
| Caveat | Does not earn any base or bonus miles. |
Private Hospital via Amaze: MCC 8062 (exception, user verified, risk: low)¶
User reported that paying private hospital bills using Instarem Amaze linked to a 4 MPD card (such as Citi Rewards) successfully yields 4 MPD, subject to Amaze's 1% domestic transaction fee.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Private Hospital |
| Card | Amaze |
| Route | Amaze |
| MCC | 8062 |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 MPD |
| Fees / surcharges | 1% fee |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T03:06:48+00:00 |
| Observed result | Successfully earned 4 MPD via Amaze routing despite the 1% fee. |
| Public/official layer | Direct hospital transactions are typically excluded from rewards on most cards. |
| Caveat | Incurs a 1% domestic transaction fee on Amaze. |
NHG (National Healthcare Group): via HealthHub app (exception, user verified, risk: low)¶
User reported that payments to NHG (National Healthcare Group) made via the HealthHub app code as Government Services.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | NHG (National Healthcare Group) |
| Route | HealthHub app |
| MCC | Government Services |
| Devaluation risk | low |
| Last verified | 2026-06-09 |
| Last seen | 2026-06-09T14:43:26+00:00 |
| Observed result | Coded as Government Services |
| Caveat | This typically excludes the transaction from earning rewards on most credit cards. |
HeyMax: MCC 5311 (exception, user verified, risk: low)¶
User reported that heyMax Klook voucher purchases are intended to code as MCC 5311 (Department Stores). A bug that caused some transactions to code as MCC 5411 (Grocery)—which is excluded from rewards on cards like HSBC Revolution—has been fixed.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | HeyMax |
| Card | HSBC Revolution |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-09 |
| Last seen | 2026-06-09T05:52:04+00:00 |
| Observed result | Some coded as 5411 due to a bug, which has since been fixed |
| Public/official layer | All vouchers bought via HeyMax should code as 5311 |
| Caveat | Past transactions that coded as 5411 did not receive HSBC Revolution bonus points. |
GrabPay via GrabPay: MCC 6540 (exception, user verified, risk: medium)¶
User reported that grabPay top-ups count towards the $1,000 minimum credit card spend requirement for the Standard Chartered Bonus$aver account.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Merchant | GrabPay |
| Card | Standard Chartered Bonus$aver |
| Route | GrabPay |
| MCC | 6540 |
| Last verified | 2026-04-14T23:55:44+00:00 |
| Last seen | 2026-04-14T23:55:44+00:00 |
| Observed result | GrabPay top-ups count towards the $1k spend requirement. |
| Public/official layer | E-wallet top-ups are typically excluded from minimum spend requirements. |
| Caveat | Based on a single user confirmation; e-wallets are typically excluded in T&Cs. | Stacking: Standard Chartered Bonus$aver -> GrabPay |
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. |
Lazada: MCC 5262 (exception, user verified, risk: medium)¶
User reported that lazada purchases can code under MCC 5262 (Home Supply Warehouse), which falls outside the UOB Lady's Card 'Shopping' category. Large e-commerce platforms like Lazada, Shopee, Amazon, and Taobao use a pool of unpredictable MCCs.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Lazada |
| Card | UOB Lady's Card |
| MCC | 5262 |
| Programme | UOB Uni$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T09:31:25+00:00 |
| Observed result | Lazada transaction coded as MCC 5262 and did not qualify for the Shopping category bonus |
| Public/official layer | UOB Lady's Shopping category covers specific retail MCCs, but excludes MCC 5262 |
| Caveat | E-commerce platforms use multiple MCCs, making bonus point eligibility unpredictable |
Beyond the Dough: MCC 5814 (exception, user verified, risk: low)¶
User reported that beyond the Dough (pizza restaurant) codes under MCC 5814 (Fast Food Restaurants), which is excluded from earning bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Beyond the Dough |
| Card | HSBC Revolution |
| MCC | 5814 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T10:32:42+00:00 |
| Observed result | Coded as MCC 5814, no bonus points awarded |
| Public/official layer | HSBC Revolution excludes MCC 5814 from earning 4 mpd |
| Caveat | Does not earn bonus points on HSBC Revolution due to MCC 5814 exclusion |
SUSS: MCC 8220 (exception, user verified, risk: low)¶
User reported that the American Express True Cashback Card can be used to earn cashback on school fees (such as SUSS), provided the educational institution accepts American Express.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SUSS |
| Card | American Express True Cashback Card |
| MCC | 8220 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Miles / points | 1.5% cashback |
| Devaluation risk | low |
| Last verified | 2026-06-06 |
| Last seen | 2026-06-06T08:54:32+00:00 |
| Observed result | Earns cashback on school fees |
| Public/official layer | Amex True Cashback Card generally does not exclude education/school fees from earning cashback, unlike most other bank cards. |
| Caveat | Subject to whether the school accepts Amex payments. |
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 |
CapitaStar App: MCC 6540 (exception, user verified, risk: low)¶
User reported that buying e-vouchers via the CapitaStar app codes as MCC 6540 (Stored Value Card Purchase/Funding), which is excluded from rewards on the Citi Rewards Mastercard but still earns rewards on American Express cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CapitaStar App |
| Card | Citi Rewards Mastercard |
| MCC | 6540 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T11:57:48+00:00 |
| Observed result | Citi Rewards Mastercard does not award points, but Amex cards do. |
| Public/official layer | MCC 6540 is typically excluded from rewards by Citibank. |
| Caveat | Amex CapitaCard and other Amex cards are reported to still earn rewards on these purchases. |
Singhealth / HealthHub: MCC 9399 (exception, risk: medium)¶
User reported that singhealth payments via HealthHub may code under MCC 9399 instead of MCC 8099, which could exclude them from MariBank bonus cashback.
| Field | Value |
|---|---|
| Status | uncertain |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Singhealth / HealthHub |
| Card | MariBank Debit Card |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | unknown |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Users flagged that HealthHub payments are now likely coding as MCC 9399. |
| Public/official layer | MCC 9399 is typically excluded from bank rewards and cashback programs. |
| Caveat | MCC classification may have recently changed from 8099 (Medical Services) to 9399 (Government Services). |
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. |
SingHealth (via HealthHub): MCC 9399 (exception, user verified, risk: medium)¶
User reported that singHealth payments made via the HealthHub app code as MCC 9399 (Government Services) rather than MCC 8099.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | SingHealth (via HealthHub) |
| MCC | 9399 |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T04:48:26+00:00 |
| Observed result | Codes as MCC 9399 |
| Caveat | Previously coded as MCC 8099, but has shifted to MCC 9399 which is commonly excluded from credit card rewards |
Klook, KKday, Trip.com: MCC 4722, 7991 (exception, user verified, risk: low)¶
User reported that mCC 7991 (Tourist Attractions and Exhibits) is not classified as Travel under the UOB Lady's Card, but booking the same attractions via Online Travel Agencies (OTAs) like Klook or KKday (which code as MCC 4722) will successfully trigger the Travel category bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Klook, KKday, Trip.com |
| Card | UOB Lady's Card |
| MCC | 7991, 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T06:23:41+00:00 |
| Observed result | Attraction websites code as MCC 7991 (not travel), but OTAs code as MCC 4722 (travel). |
| Public/official layer | MCC 4722 is eligible for Travel category; MCC 7991 is not. |
| Caveat | Booking directly on attraction websites often codes as MCC 7991, which is excluded from the Travel category. |
NUHS Pte Ltd: MCC 9399 (exception, user verified, risk: medium)¶
User reported that nUHS Pte Ltd codes as MCC 9399 (Government Services) and has been observed to count towards the UOB One Card minimum spend requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | NUHS Pte Ltd |
| Card | UOB One |
| MCC | 9399 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-05-31 |
| Last seen | 2026-05-31T13:36:41+00:00 |
| Observed result | Counted towards the UOB One minimum $500 spending for interest |
| Public/official layer | Government services are typically excluded from UOB One spend |
| Caveat | MCC 9399 is typically excluded from rewards, but was observed to count towards the UOB One minimum spend for interest |
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. |
Merchant: via Amaze (exception, user verified, risk: low)¶
User reported that uOB PRVI Mastercard can be linked to an empty Amaze wallet to test and reveal a merchant's exact MCC via a declined transaction before paying with the physical card, bypassing the fact that UOB excludes Amaze from earning miles.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Card | UOB PRVI Mastercard |
| Route | Amaze |
| Last verified | 2026-05-18T11:24:28+00:00 |
| Last seen | 2026-05-18T11:24:28+00:00 |
| Observed result | Users use Amaze purely as an MCC oracle by forcing a decline, then use the physical card to earn miles. |
| Public/official layer | UOB does not award miles for Amaze transactions. |
| Caveat | Transaction must fail (empty wallet) to just see the MCC, then pay with the physical UOB card to earn miles. | Stacking: Amaze -> UOB PRVI Mastercard |
ClassPass: MCC 5734 (exception, user verified, risk: medium)¶
User reported that uOB Preferred Platinum Visa (UOB PV) awards only base points for recurring ClassPass monthly subscriptions, but successfully awards bonus points for ad-hoc ClassPass credit purchases.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | ClassPass |
| Card | UOB Preferred Platinum Visa |
| MCC | 5734 |
| Last verified | 2026-04-19T06:06:15+00:00 |
| Last seen | 2026-04-19T06:06:15+00:00 |
| Observed result | Ad-hoc ClassPass purchases earned bonus points, but recurring monthly subscriptions only earned base points. |
| Public/official layer | Online transactions earn 4mpd, but UOB excludes certain recurring payments. |
| Caveat | Recurring subscriptions may not earn bonus miles on UOB PV. |
FairPrice via FairPrice App: MCC 5411 (exception, user verified, risk: medium)¶
User reported that citi Rewards earns bonus points on FairPrice app payments only if the card details are saved directly in the app, but not via in-app Apple/Google Pay or physical PayWave.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Merchant | FairPrice |
| Card | Citi Rewards |
| Route | FairPrice App |
| MCC | 5411 |
| Last verified | 2026-05-07T07:17:30+00:00 |
| Last seen | 2026-05-07T07:17:30+00:00 |
| Observed result | Bonus points are awarded when paying via card details saved directly in the FairPrice app. |
| Public/official layer | Citi Rewards excludes MCC 5411 (Supermarkets) from 10X bonus points. |
| Caveat | Supermarkets are officially excluded from Citi Rewards 10X points; this appears to be a payment gateway loophole. |
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 |
Singtel via Physical Kiosk: MCC 5999 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4mpd for Singtel bills online, but earns 4mpd when paid via Paywave at a physical Singtel kiosk under MCC 5999.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Singtel |
| Card | UOB Preferred Platinum Visa |
| Route | Physical Kiosk |
| MCC | 5999 |
| Last verified | 2026-05-07T03:41:23+00:00 |
| Last seen | 2026-05-07T03:41:23+00:00 |
| Observed result | Paywave at kiosk posts as MCC 5999 and earns 4mpd. |
| Public/official layer | Telecommunication bills are typically excluded from rewards. |
| Caveat | Must use physical Paywave at the kiosk; online payment is not whitelisted. |
SingTel: MCC 5999 (exception, user verified, risk: low)¶
User reported that singTel bill payments via PayWave at physical kiosks code as MCC 5999 and earn 4mpd with UOB Preferred Platinum Visa (PPV), bypassing the online payment exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | SingTel |
| Card | UOB Preferred Platinum Visa |
| MCC | 5999 |
| Last verified | 2026-05-07T03:41:23+00:00 |
| Last seen | 2026-05-07T03:42:08+00:00 |
| Observed result | PayWave at physical kiosk codes as MCC 5999 and earns 4mpd. |
| Public/official layer | Online telecommunication bill payments are typically excluded from 4mpd. |
| Caveat | Must pay via physical PayWave at the kiosk; online payment is not whitelisted. |
Shopee: MCC 6540 (exception, user verified, risk: high)¶
User reported that shopee checkout transactions may unexpectedly code as ShopeePay (MCC 6540) and be excluded from rewards
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | DBS Woman's World Mastercard |
| MCC | 6540 |
| Last verified | 2026-04-16T06:54:11+00:00 |
| Last seen | 2026-04-16T06:54:11+00:00 |
| Observed result | Transactions coded as ShopeePay (MCC 6540) and earned no points. |
| Public/official layer | Regular Shopee purchases should code as MCC 5262 and earn online rewards. |
| Caveat | Users report regular purchases coding as e-wallet top-ups, resulting in zero points on DBS WWMC and exclusion from OCBC sign-up promos. | Stacking: Shopee -> ShopeePay -> DBS WWMC |
Dental clinics: MCC 8021 (exception, user verified, risk: medium)¶
User reported that uOB Preferred Platinum Visa (PPV) can earn 4mpd at certain dental clinics, depending on the specific clinic's MCC.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Merchant | Dental clinics |
| Card | UOB Preferred Platinum Visa |
| MCC | 8021 |
| Last verified | 2026-04-22T15:00:41+00:00 |
| Last seen | 2026-04-22T15:03:07+00:00 |
| Observed result | User successfully earned 4mpd at their family dentist using UOB PPV. |
| Public/official layer | Medical and dental MCCs (like 8021) are typically excluded from UOB PPV rewards. |
| Caveat | Depends on the specific clinic's MCC not falling under UOB's blacklist. |
CapitaLand Parking: MCC 6513 (exception, user verified, risk: low)¶
User reported that amex KrisFlyer Ascend earns 1.2 mpd on MCC 6513 (Real Estate Agents and Managers - Rentals), such as CapitaLand monthly parking.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | CapitaLand Parking |
| Card | AMEX KrisFlyer Ascend |
| MCC | 6513 |
| Last verified | 2026-04-20T04:11:59+00:00 |
| Last seen | 2026-05-07T06:08:41+00:00 |
| Observed result | Amex KrisFlyer Ascend successfully awards 1.2 mpd on MCC 6513 for recurring CapitaLand parking charges. |
| Public/official layer | Most banks exclude MCC 6513 (Real Estate/Rentals) from rewards. |
| Caveat | DBS, UOB, and Citi explicitly exclude MCC 6513. |
Claude.ai / YouTube: MCC 5734 (exception, user verified, risk: high)¶
User reported that claude.ai and YouTube subscriptions code as MCC 5734 and do not earn 10x points (4mpd) on the Citi Rewards Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Claude.ai / YouTube |
| Card | Citi Rewards Visa |
| MCC | 5734 |
| Last verified | 2026-04-19T10:20:08+00:00 |
| Last seen | 2026-04-19T10:20:08+00:00 |
| Observed result | Coded as 5734 and did not award 10x points despite being processed as online transactions. |
| Public/official layer | Online transactions generally earn 10x points on Citi Rewards unless specifically excluded. |
| Caveat | User plans to test PayPal as a workaround to trigger the online bonus. |
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. |
Google PlayStore / Discord: MCC 7372 (exception, user verified, risk: high)¶
User reported that google PlayStore and Discord subscriptions code as MCC 7372 and no longer earn bonus miles on the OCBC Women's World Mastercard (WWMC).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Google PlayStore / Discord |
| Card | OCBC Women'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 coded as 7372 and failed to earn bonus miles. |
| Public/official layer | Online transactions should generally earn 4mpd on WWMC. |
| Caveat | Google PlayStore MCC changes to 7372 started around November 2025 and can be random. |
Eagle Eye Centre via FavePay: MCC 5311 (exception, user verified, risk: low)¶
User reported that eagle Eye Centre payments via FavePay code as MCC 5311 (Department Stores), earning 4mpd with cards like Citi Rewards or UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Eagle Eye Centre |
| Card | Citi Rewards, UOB PPV |
| Route | FavePay |
| MCC | 5311 |
| Last verified | 2026-04-18T02:19:20+00:00 |
| Last seen | 2026-04-18T02:19:20+00:00 |
| Observed result | Coded as 5311 via FavePay, allowing 4mpd. |
| Public/official layer | Medical services typically code under medical MCCs which are often excluded from rewards. |
Shopee: MCC 5331 (exception, user verified, risk: low)¶
User reported that oCBC Rewards awards bonus points for Shopee purchases based on merchant name rather than MCC, earning bonuses even if the MCC is 5331 (Variety Stores).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Merchant | Shopee |
| Card | OCBC Rewards |
| MCC | 5331 |
| Last verified | 2026-04-17T14:58:01+00:00 |
| Last seen | 2026-04-17T14:59:46+00:00 |
| Observed result | Shopee transactions earn bonus points based on merchant description regardless of the underlying MCC (except ShopeePay). |
| Public/official layer | OCBC Rewards typically awards bonuses based on specific whitelisted MCCs. |
| Caveat | ShopeePay top-ups (MCC 5262) are excluded. |
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. |
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 |
Cat Cafe Mocha Lounge Shinjuku: MCC 7399 (exception, user verified, risk: medium)¶
User reported that cat Cafe Mocha Lounge Shinjuku codes as MCC 7399 (Business Services Not Elsewhere Classified).
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cat Cafe Mocha Lounge Shinjuku |
| MCC | 7399 |
| Devaluation risk | low |
| Last verified | 2026-04-08T11:20:54+00:00 |
| Last seen | 2026-04-08T11:20:54+00:00 |
| Observed result | Transaction coded as MCC 7399. |
| Public/official layer | Cafes typically code under dining MCCs like 5812 or 5814. |
| Caveat | MCC 7399 is typically excluded from rewards by most banks. |
iShopChangi via Shopback Pay: MCC 5311 (exception, user verified, risk: low)¶
User reported that paying directly on iShopChangi codes as MCC 4582, which is excluded from the UOB Preferred Platinum Visa online whitelist. Paying via Shopback Pay on the iShopChangi website codes as MCC 5311, which successfully qualifies for the 4mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback Pay |
| MCC | 5311 |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Shopback Pay codes as MCC 5311 and earns 4mpd |
| Public/official layer | Direct MCC 4582 is not on the UOB PPV online whitelist |
| Caveat | Direct payment codes as MCC 4582 |
Fast Food, Travel Agencies: MCC 4722, 5814 (exception, risk: medium)¶
User reported that hSBC Revolution excludes MCC 5814 (Fast Food) and MCC 4722 (Travel Agencies) from earning bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fast Food, Travel Agencies |
| Card | HSBC Revolution |
| MCC | 5814, 4722 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2026-03-24T14:04:31+00:00 |
| Public/official layer | HSBC Revolution T&Cs exclude MCC 5814 and 4722 from 10X reward points. |
Airpay terminals (Japan) via Airpay: MCC 7299 (exception, user verified, risk: medium)¶
User reported that airpay payment terminals in Japan (small black machines) often code as MCC 7299, including at restaurants like Narikura.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Airpay terminals (Japan) |
| Route | Airpay |
| MCC | 7299 |
| Devaluation risk | unknown |
| Last verified | 2026-04-01T06:17:32+00:00 |
| Last seen | 2026-04-01T06:17:32+00:00 |
| Observed result | Transactions via Airpay terminals coded as MCC 7299 (Miscellaneous General Services). |
| Public/official layer | Restaurants should typically code as dining MCCs like 5812 or 5814. |
| Caveat | May affect category-specific bonus earn rates if the card excludes MCC 7299. |
EZ-Link: MCC 6540 (exception, user verified, risk: low)¶
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. |
Hoshino Resorts / Time Design: MCC 4722 (exception, user verified, risk: high)¶
User reported that hoshino Resorts direct website bookings (often handled by Time Design) post as MCC 4722 (Travel Agencies and Tour Operations), which does not earn bonus points on the HSBC Revolution card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Hoshino Resorts / Time Design |
| Card | HSBC Revolution |
| MCC | 4722 |
| Devaluation risk | low |
| Last verified | 2026-04-01T02:50:07+00:00 |
| Last seen | 2026-04-01T02:50:47+00:00 |
| Observed result | Posted as MCC 4722, resulting in no bonus points on HSBC Revolution |
| Public/official layer | Direct hotel bookings typically post as MCC 7011 |
Shell: via Gogo Energy (exception, user verified, risk: low)¶
User reported that gogo Energy Shell payments incur a 1.8% admin fee but earn 4 mpd with the Citi Rewards Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Shell |
| Card | Citi Rewards Mastercard |
| Route | Gogo Energy |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% admin fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-03-23T04:08:32+00:00 |
| Last seen | 2026-03-23T04:08:32+00:00 |
| Observed result | Earns 4 mpd when paid via Gogo Energy app. |
| Public/official layer | Citi Rewards excludes petrol transactions (MCC 5541/5542). |
| Caveat | Incurs a 1.8% admin fee. |
Happy Lamb Hot Pot: MCC 5814 (exception, user verified, risk: medium)¶
User reported that hSBC excludes MCC 5814 (Fast Food) from bonus points. Restaurants like Happy Lamb Hot Pot may unexpectedly code as 5814 instead of 5812, resulting in only 0.4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Happy Lamb Hot Pot |
| Card | HSBC Revolution |
| MCC | 5814 |
| Programme | HSBC Rewards |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2026-03-26T07:28:55+00:00 |
| Last seen | 2026-03-26T07:28:55+00:00 |
| Observed result | Happy Lamb Hot Pot coded as 5814, earning only 0.4 mpd. |
| Public/official layer | HSBC excludes MCC 5814 from 4mpd bonus categories. |
| Caveat | Always verify MCC as some restaurants code as fast food. |
Cow Play Cow Moo: MCC 4900 (exception, user verified, risk: low)¶
User reported that cow Play Cow Moo arcade codes as MCC 4900 (Utilities) and does not earn points for contactless payments.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Cow Play Cow Moo |
| MCC | 4900 |
| Devaluation risk | low |
| Last verified | 2026-03-24T12:41:30+00:00 |
| Last seen | 2026-03-24T12:41:30+00:00 |
| Observed result | Arcade transactions coded as 4900 and earned no points. |
| Public/official layer | MCC 4900 (Utilities) is generally excluded from credit card rewards. |
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. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ (base or bonus) for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:38:37+00:00 |
| Observed result | SPC transaction on PPV posted with 0 UNI$. |
| Public/official layer | UOB rewards terms exclude SPC petrol from earning base UNI$ on most cards. |
| Caveat | UOB Lady's Card (with Transport selected) can earn bonus UNI$ at SPC, but PPV and Visa Signature do not. |
SPC: MCC 5541, 5542 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards; bonus UNI$ are only awarded on the UOB Lady's Card if the Transport category is selected, while UOB Visa Signature and Preferred Platinum Visa (PPV) earn no UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Lady's Card |
| MCC | 5541/5542 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | PPV transaction at SPC on Jan 2 posted on Jan 3 with 0 UNI$. Lady's Card earns bonus UNI$ only if Transport is selected. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning due to existing SMART$ or petrol discount partnerships. |
| Caveat | UOB Visa Signature has no bonus UNI$ for SPC, and PPV earns no UNI$ at all for SPC transactions. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ for transactions at SPC petrol stations.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:51:12+00:00 |
| Observed result | No UNI$ posted for SPC transaction on PPV. |
| Public/official layer | UOB SMART$ merchants (like SPC) typically do not earn regular UNI$ on most UOB cards unless specified. |
| Caveat | UOB Lady's Card (with Transport selected) earns bonus UNI$ at SPC, but no base UNI$. |
SPC: MCC 5541 (exception, user verified, risk: low)¶
User reported that sPC petrol transactions do not earn base UNI$ on UOB cards, but earn bonus UNI$ on UOB Visa Signature and UOB Lady's Card (with Transport category selected). UOB Preferred Platinum Visa (PPV) does not earn UNI$ at SPC.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0 UNI$ on PPV, bonus only on VS/Lady's |
| Devaluation risk | low |
| Last verified | 2025-01-05 |
| Last seen | 2025-01-05T03:30:42+00:00 |
| Observed result | PPV transaction on 2 Jan posted with no UNI$. VS and Lady's (Transport) earn bonus UNI$ only. |
| Public/official layer | UOB cards generally exclude SPC from base UNI$ earning. |
| Caveat | UOB Preferred Platinum Visa (PPV) earns 0 UNI$ at SPC. UOB Visa Signature and Lady's Card only earn bonus points, no base points. |
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. |
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 |
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 |
Shangri-La The Line via Amaze: MCC 7011 (exception, user verified, risk: low)¶
User reported that dining at Shangri-La 'The Line' codes under MCC 7011 (Lodging/Hotels), meaning it only earns 0.4 mpd on the Citi Rewards Card (even via Amaze) due to the travel exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Shangri-La The Line |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 7011 |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-30 |
| Last seen | 2024-11-30T08:34:59+00:00 |
| Observed result | 0.4 mpd |
| Public/official layer | Citi Rewards excludes MCC 7011 from 10X points |
| Caveat | Codes as hotel lodging instead of dining, which is excluded from Citi Rewards 10X bonus |
Suica via Apple Pay: MCC 4111 (exception, user verified, risk: low)¶
User reported that topping up a Suica card with Japanese Yen via Apple Wallet/Apple Pay successfully triggers the American Express overseas spend promotion credits.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | American Express Cards |
| Route | Apple Pay |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T05:21:52+00:00 |
| Observed result | User topped up 1,200 JPY to Suica on Nov 18 and received the Amex overseas spend credit on Nov 27. |
| Caveat | Only American Express-issued cards are eligible for Amex Offers; bank-issued Amex cards (e.g., UOB/DBS) are excluded. |
YouTube Premium via Amaze: MCC 5968 (exception, user verified, risk: low)¶
User reported that paying for YouTube Premium using Amaze linked to Citi Rewards Mastercard awards 4 mpd (10x points).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5968 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | Citi ThankYou Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:02:57+00:00 |
| Observed result | 4 mpd awarded |
| Caveat | YouTube Premium MCC is 5968, which is excluded by some cards like UOB Lady's but works via Amaze + Citi Rewards |
YouTube Premium: MCC 5816 (exception, user verified, risk: low)¶
User reported that youTube Premium transactions code under MCC 5816 (Digital Goods - Games) rather than MCC 5968, which prevents them from earning bonus points on cards like the UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | YouTube Premium |
| Card | UOB Preferred Platinum Visa |
| MCC | 5816 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T09:17:13+00:00 |
| Observed result | UOB confirmed the MCC is 5816 and the transaction did not earn mobile contactless/online bonus points |
| Caveat | Often misidentified as MCC 5968 on some crowdsourced databases |
Pelago: MCC 4722 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa does not earn 4 mpd (10X UNI$) for online transactions under MCC 4722 (such as Pelago or Kris+ in-app payments) because MCC 4722 is not on the card's online whitelist, and in-app payments do not qualify as mobile contactless spend.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Pelago |
| Card | UOB Preferred Platinum Visa |
| MCC | 4722 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 0.4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T05:39:00+00:00 |
| Observed result | No bonus miles awarded for MCC 4722 online/in-app transactions |
| Public/official layer | UOB PPV earns 10X UNI$ on mobile contactless transactions and selected online whitelisted MCCs only |
| Caveat | In-app payments do not trigger the mobile contactless (offline) bonus |
SPC via Mobile Contactless: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) earns 4 mpd (10X UNI$) at SPC petrol stations when paying via mobile contactless payment, bypassing the standard UOB SMART$ merchant UNI$ exclusion.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | SPC |
| Card | UOB Preferred Platinum Visa |
| Route | Mobile Contactless |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T12:34:07+00:00 |
| Observed result | Paying via mobile contactless successfully awards 10X UNI$ (4 mpd). |
| Public/official layer | UOB T&Cs state that SMART$ merchants (like SPC) do not earn regular UNI$. |
| Caveat | Must use mobile contactless (Apple Pay/Google Pay) to bypass the SMART$ terminal system |
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 $1,500 spend at a brake dealer using this route. |
| Public/official layer | Direct credit card payments to automotive/brake shops (MCC 5533) may be excluded or fail to trigger the DBS promo, but routing through Atome/Hitpay masks the MCC to 5999. |
| Caveat | Requires the merchant to support Hitpay and Atome payment options |
iShopChangi via Shopback: MCC 4582 (exception, user verified, risk: low)¶
User reported that direct purchases on iShopChangi code as MCC 4582, which is not on the UOB Preferred Platinum Visa (PPV) online whitelist. Paying via Shopback on the iShopChangi website changes the MCC to 5311, which successfully qualifies for the 4 mpd online bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | iShopChangi |
| Card | UOB Preferred Platinum Visa |
| Route | Shopback |
| MCC | 4582 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T10:49:03+00:00 |
| Observed result | Paying via Shopback codes as MCC 5311 and awards 4 mpd |
| Public/official layer | UOB PPV only awards 4 mpd on whitelisted online MCCs (MCC 4582 is excluded) |
| Caveat | Direct payment codes as MCC 4582; Shopback routing changes it to MCC 5311 |
Fairmont Singapore: MCC 5812 (exception, user verified, risk: low)¶
User reported that for the Amex Raffles City spend promotion, receipts from Clove, Prego, and Asian Market Cafe (ACM) are eligible for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Fairmont Singapore |
| Card | American Express Cards |
| MCC | 5812 |
| Programme | Amex Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-22T15:05:27+00:00 |
| Observed result | Hotel staff confirmed that Clove, Prego, and ACM receipts are accepted for the promotion, but Mikuni is not. |
| Public/official layer | Mikuni is excluded from the eligible merchant list for the Raffles City spend promotion. |
| Caveat | Mikuni is specifically excluded from the eligible list of merchants for this redemption. |
Raffles City Singapore: MCC 5812 (exception, user verified, risk: medium)¶
User reported that for the Raffles City $180 spend promotion, dining receipts from Clove, Prego, and Asian Market Cafe are accepted for redemption, but Mikuni is excluded.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Raffles City Singapore |
| Card | AMEX Platinum |
| MCC | 5812 |
| Programme | Raffles City Promotion |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-22 |
| Last seen | 2024-11-24T11:32:06+00:00 |
| Observed result | Clove, Prego, and Asian Market Cafe receipts are accepted; Mikuni is excluded |
| Public/official layer | Spend $180 at Raffles City to redeem promotion rewards |
| Caveat | Based on mall staff verbal confirmation; Mikuni is explicitly not on the accepted list. |
Singtel via MySingtel App: MCC 5968 (exception, user verified, risk: low)¶
User reported that to earn the 8% cash rebate on Singtel bills with the Maybank Family & Friends card, pay manually via the MySingtel app instead of using recurring payments via Amaze (which codes as MCC 5968 and is excluded).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Maybank Family & Friends |
| Route | MySingtel App |
| MCC | 5968 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 8% cashback |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T10:55:46+00:00 |
| Observed result | Amaze recurring codes as MCC 5968 (non-eligible), while manual payment via MySingtel app codes as eligible telco spend. |
| Public/official layer | Data communication and telecommunications category qualifies for 8% cash rebate. |
| Caveat | Recurring payments via Amaze code as MCC 5968 and do not qualify for the data communication category. |
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. |
Cedele / Paris Baguette / Polar via Kris+: MCC 5814 (exception, user verified, risk: medium)¶
User reported that kris+ transactions at bakeries like Cedele, Paris Baguette, and Polar often code as MCC 5814 (Fast Food) instead of MCC 5812 (Dining), making them ineligible for HSBC Revolution bonus points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Cedele / Paris Baguette / Polar |
| Card | HSBC Revolution |
| Route | Kris+ |
| MCC | 5814 |
| Programme type | bank_transfer |
| Points currency | points |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T02:46:54+00:00 |
| Observed result | Kris+ transactions at Cedele and other bakeries coded as 5814 and did not receive bonus points. |
| Public/official layer | HSBC Revolution earns bonus points on MCC 5812 but excludes MCC 5814. |
| Caveat | Avoid using HSBC Revolution for Kris+ dining if unsure of the exact MCC, as MCC 5814 is excluded from the HSBC Revolution bonus whitelist. |
Medical clinics: via Amaze (exception, user verified, risk: low)¶
User reported that amaze paired with Citi Rewards Mastercard can earn 4 mpd on medical, dental, or ophthalmology clinic transactions, provided the merchant's MCC is not classified as a hospital.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Medical clinics |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | not hospital |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T23:14:07+00:00 |
| Observed result | 4 mpd awarded on non-hospital medical MCCs |
| Caveat | Hospital MCCs are excluded from earning bonus points |
Ng Teng Fong General Hospital via NUHS App: MCC 9399 (exception, user verified, risk: low)¶
User reported that paying Ng Teng Fong General Hospital (NTFGH) bills via the NUHS mobile app codes as MCC 9399 (Government Services), which does not earn miles on most credit cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Ng Teng Fong General Hospital |
| Route | NUHS App |
| MCC | 9399 |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-23 |
| Last seen | 2024-11-24T08:27:44+00:00 |
| Observed result | Transaction coded as MCC 9399 with no miles awarded. |
| Public/official layer | Most banks exclude MCC 9399 (Government Services) from earning points or miles. |
| Caveat | This is specific to NTFGH via the NUHS app; other hospitals or HealthHub app payments may code differently. |
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 |
Esso: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4 mpd (10X UNI$) at Esso petrol stations due to Esso being a SMART$ merchant, whereas Caltex successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Esso |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T05:33:05+00:00 |
| Observed result | Contactless payment at Esso earned only base 2 mpd (or SMART$) instead of 4 mpd, while Caltex earned 4 mpd. |
| Public/official layer | UOB SMART$ merchants are excluded from earning regular UNI$ / bonus UNI$. |
| Caveat | Esso is a UOB SMART$ merchant, which excludes it from earning 10X UNI$ on UOB cards. |
CardUp via CardUp: MCC 6513 (exception, user verified, risk: medium)¶
User reported that cardUp payments are not affected by Citibank's exclusion categories, whereas iPaymy codes under MCC 6513 and is excluded from earning points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Citi credit cards |
| Route | CardUp |
| MCC | 6513 |
| Devaluation risk | medium |
| Last verified | 2018-08-08 |
| Last seen | 2018-08-08T14:55:34+00:00 |
| Observed result | CardUp confirmed unaffected by Citi exclusions; iPaymy excluded under MCC 6513 |
| Caveat | Based on August 2018 policy updates; CardUp does not earn 10x on rewards cards but still earns base miles. |