American Express adds hospitals & polyclinics to rewards exclusions list

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From 1 October, most American Express cards will no longer earn rewards at hospitals and polyclinics- though private facilities are safe for now.

American Express has announced that it will add public hospitals & healthcare facilities as well as polyclinics to its rewards exclusion list, effective 1 October 2022.

This was disclosed in an update that went out to cardholders yesterday, along with changes in account payment options, late payment charges and interest rates. 

Account Payment OptionsWith effect from 1 Oct 2022, American Express will no longer accept cheques as a form of payment for your Card Account. Please visit for more details on the ways you can pay your Card Account bills.
Late Payment ChargesWith effect from 17 Oct 2022, Late Payment Fee will be revised from S$90 to S$100 per month for all American Express issued Cards in Singapore.
Credit Card Interest Rate PolicyBefore 17 Oct 2022: If you have three or more defaults and/or one default which remains unpaid for two or more consecutive months in the last 12 months, we may adjust the interest rate applicable to your Card Account from 26.90% p.a. to 29.99% p.a. (subject to compounding).

On or after 17 Oct 2022: If you have three or more defaults in the last 12 months, we may adjust the interest rate applicable to your Card Account from 26.90% p.a. to 29.99% p.a. (subject to compounding).

While it’s an unfortunate development, American Express cards will continue to earn rewards for transactions at private and non-profit clinics and hospitals. 

Which hospitals are affected?

The following line was added to American Express’ rewards exclusion categories yesterday: 

  • Payments to public/restructured hospitals, polyclinics and other public/restructured
    healthcare institutions and facilities (with effect from 1 October 2022)
❓ What’s a restructured hospital?

A restructured hospital is basically a public hospital.

As per the MOH: “The Government has restructured all its acute hospitals and specialty centres to be run as private companies wholly owned by the government. This is to enable the public hospitals to have the management autonomy and flexibility to respond more promptly to the needs of the patients.”

This affects AMEX Singapore Airlines Credit Cards, the AMEX CapitaCard, and all AMEX cards which earn Membership Rewards points (e.g. AMEX Platinum Credit Card, AMEX Platinum Charge).

For avoidance of doubt, the AMEX True Cashback Card and AMEX HighFlyer Card are not affected by this change. 

To understand the impact, it’s first necessary to understand how hospitals are organised in Singapore. Here’s a way of thinking about it: 

(Excluded from 1 Oct)

1. Alexandra
2. Changi General
3. Khoo Teck Puat
4. KK Women’s and Children’s
5. NUH
6. Ng Teng Fong
7. Sengkang General
8. Singapore General
9. Tan Tock Seng

1. Bright Vision
2. Jurong Community
3. Outram Community
4. Sengkang Community
5. Yishun Community
Not-for-Profit1. Mount Alvernia1. AMK- Thye Hua Kwan Hospital
2. Ren Ci Community
3. St Andrew’s Community
4. St Luke’s
Private1. Crawfurd
2. Farrer Park
3. Gleneagles
4. Mount Elizabeth
5. Mount Elizabeth Novena
6. Parkway East
7. Raffles Hospital
8. Thomson Medical Centre

Basically, anything in bold will no longer earn rewards with American Express cards (True Cashback and HighFlyer aside) from 1 October 2022. 

American Express cards will also cease to earn rewards at any of the following specialist centres, which are classified as public institutions:

  • National Cancer Centre
  • National Heart Centre
  • National Neuroscience Institute
  • National Skin Centre
  • Singapore National Eye Centre
  • National Dental Centre

Finally, polyclinics have also been added to the exclusion list, namely:

  • Ang Mo Kio Polyclinic
  • Bedok Polyclinic
  • Bukit Batok Polyclinic
  • Bukit Merah Polyclinic
  • Bukit Panjang Polyclinic
  • Choa Chu Kang Polyclinic
  • Clementi Polyclinic
  • Eunos Polyclinic
  • Geylang Polyclinic
  • Hougang Polyclinic
  • Jurong Polyclinic
  • Kallang Polyclinic
  • Marine Parade Polyclinic
  • Outram Polyclinic
  • Pasir Ris Polyclinic
  • Pioneer Polyclinic
  • Punggol Polyclinic
  • Queenstown Polyclinic
  • Sengkang Polyclinic
  • Tampines Polyclinic
  • Toa Payoh Polyclinic
  • Woodlands Polyclinic
  • Yishun Polyclinic

I’ve further clarified with American Express that not-for-profit acute and community hospitals such as Mt. Alvernia and St Luke’s Community Hospital will continue to earn rewards. 

American Express cards will also continue to earn rewards at private healthcare facilities, e.g. Raffles Hospital, Thomson Medical Centre, Fullerton Health and AsiaMedic.

Which cards still earn rewards for hospitals?

Hospital transactions (whether private or public) code as MCC 8062, which is excluded by Bank of China, DBS, OCBC (with exceptions) and UOB (with exceptions). 

You will still be able to earn rewards with the following cards.

CardEarn Rate
UOB Reserve1.6 mpd
Citi ULTIMA1.6 mpd
UOB Visa Infinite Metal Card1.4 mpd
SCB Visa Infinite1.4 mpd*
AMEX Solitaire PPS Credit Card1.3 mpd^
AMEX PPS Credit Card1.3 mpd^
Citi Prestige1.3 mpd 
HSBC Visa Infinite1.25 mpd#
AMEX KrisFlyer Ascend1.2 mpd^
SCB X Card1.2 mpd
Citi PremierMiles1.2 mpd
Maybank Visa Infinite1.2 mpd
AMEX KrisFlyer Credit Card1.1 mpd^
AMEX Centurion0.98 mpd^
AMEX Platinum Charge0.78 mpd^
AMEX Platinum Reserve0.69 mpd^
 AMEX Platinum Credit Card0.69 mpd^
*With min. spend of S$2,000 per statement month, otherwise 1.0 mpd
^Excludes public hospitals 
#With min. spend of S$50,000 in the previous membership year, otherwise 1.0 mpd
@Private hospitals only


American Express will add public hospital and polyclinic transactions to its rewards exclusion list from 1 October 2022, although non-profit and private hospitals and clinics will continue to earn rewards as per normal. 

If you’re looking for alternatives, Citibank, HSBC, Maybank, and Standard Chartered cards still earn points for hospital transactions, whether private or public- for now! 

That said, I have a sneaking suspicion that it’s only a matter of time before hospital transactions go the way of education expenses and insurance premiums in being excluded by virtually all card issuers.

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Sooner or later we can only get miles from actual spending ONLY..


Huh? Spending at hospitals is not actual spending?


How do we know if the clinic is public/restructured or private? Is there a website or something that we can spot by the company name, etc etc… ?


What about UOB Absolute Cashback card?


I’ve been maximizing Grab Pay monthly limit (10K) on AXS using Absolute. It’s not ideal for cashflow but I would rather pocket the rebate first….just in case


How about paying govt hospital (SGH) bills online?



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