2022 Edition: Best Credit Cards for Charitable Donations

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Giving can be rewarding too. Earn miles when you make charitable donations with the right cards.

One bright spark during the COVID-19 pandemic has been the willingness of folks to open their hearts and wallets to the less fortunate.

Giving.sg has seen a surge in donations over the past two years to various #SGUnited initiatives, and many more continue to volunteer their time and energy to relief efforts for migrant workers and the vulnerable.

If you’re privileged enough to be in a position to give, there’s no need to feel ashamed about asking which credit cards earn points. After all, from the charity’s point of view, getting S$100 less an admin fee is better than no donation at all. 

❓ How much admin fees do charities pay?

Giving.sg partially reinstated transactions fees from 1 April 2022, after suspending them for two years due to COVID-19. The fee is now 1.8% (versus 3% pre-COVID). 

Transaction fees will be waived till 31 March 2023 for:

  • Charities with donations <S$10,000 in the financial year ending 31 March 2022
  • The first S$10,000 donated to newly onboarded charities in their first year on Giving.sg, starting 1 April 2022

While the vast majority of banks exclude charitable donations from earning miles and points, there’s still a handful of options left. In this post, we’ll look at the cards that make giving more rewarding.

💳 What’s the Best Card for…
This guide forms part of the “best card” series. Check out other category specific guides below, or the overall guide here.
💗 Charitable Donations | 🏫 Education | 🥡 Food Delivery | 🏥 Hospital Bills | ☂️ Insurance 
| ⛽ Petrol | 🚍 Public Transport| 🚰 Utilities Bills

What MCC do charitable donations process under?

The MCC for charitable donations depends on the type of organisation you’re donating to. The two you’re most likely to encounter are:

  • MCC 8398- Organisations, Charitable and Social Service
    • Examples: Giving.sg, Give.asia, Ray of Hope
  • MCC 8661- Religious Organisations
    • Examples: giving to churches or temples

Transactions under these MCCs receive preferential interchange rates (the fee charged for accepting credit cards). This helps charities save on administrative costs, but also means the transaction is less profitable for the card-issuing bank. Consequently, banks tend to exclude donations from earning rewards.

What cards earn points/miles on donations to charity?

At the time of writing, American Express and Maybank are the only card issuers which still award points for charitable donations. 

BankAwards Points for Charity?

This means you can use the following cards to earn rewards on charitable donations.

CardEarn Rate
Maybank Manchester United Card
2.0 mpd + 3% cashback 
(on days where Man Utd win)
0.4 mpd + 1% cashback
AMEX HighFlyer Card1.8 mpd
AMEX Solitaire PPS Credit Card1.3 mpd
AMEX PPS Credit Card1.3 mpd
Maybank Visa Infinite1.2 mpd
AMEX KrisFlyer Ascend1.2 mpd
AMEX KrisFlyer Credit Card1.1 mpd
amex centurionAMEX Centurion0.98 mpd
AMEX Platinum Charge0.78 mpd
AMEX Platinum Reserve0.69 mpd
 AMEX Platinum Credit Card0.69 mpd
AMEX Rewards Card0.63 mpd
Maybank Horizon Visa Signature
0.4 mpd

Cashback alternatives would include the UOB Absolute Cashback Card (1.7% cashback) or AMEX True Cashback Card (1.5% cashback). Should the organisation not accept AMEX, you can try the GrabPay Mastercard workaround (see next section). 

Other ways to earn points on donations

 Admin Fee
(use code MILELION to save S$30 off first payment)

If you don’t mind paying an administrative fee to earn miles while donating to charity, AXS Pay+Earn, CardUp and Citi PayAll can be possible options. 

For example, a Citi PremierMiles cardholder could use Citi PayAll to make donations, earning 1.2 mpd with a 2% admin fee. This works out to 1.67 cents per mile. Do be on the lookout for periodic promotions that can reduce the cost even further.

Alternatively, consider topping up a GrabPay account with one of the following cards, then using the GrabPay Mastercard to pay your bill. You’ll indirectly earn 1.5/1.7% cashback, or 1.8 mpd depending on what card you have.

💳 Cards for GrabPay Top-Ups
CardEarn RateRemarks
AMEX SIA Business Card
1.8 mpdOnly for owners of SMEs
AMEX True Cashback Card
1.5% cashbackNo cap
UOB Absolute Cashback Card
1.7% cashbackNo cap

Do note that you will not earn GrabRewards points for donations to charitable or religious organisations.


Even though it’s tricky to earn rewards for charitable donations, there’s still a few options left with American Express and Maybank. Alternatively, you can opt to pay a small admin fee to use a service like CardUp or Citi PayAll. 

So continue giving to the extent you can, and let that be all the more rewarding for you!

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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Ah Seng

I can confirm a plain vanilla donation on http://www.giving.sg does not get points for Citi Premiermiles card. Donated last month


Workaround for Community Chest Donations with tax deduction using GPMC: Donate via their website (https://www.comchest.sg/) and select Paypal as the payment method (GPMC is rejected when using the credit card payment method). Grabpay points are also awarded.


Can confirm SCB X card gives points for one-off donations via giving.sg, as well as church online tithing.


Works for Maybank F&F card too


Hi, has anyone tried and confirmed the Lazada workaround with the OCBC Titanium and Citi Rewards cards?


I just made a donation to giving.sg via grabpay mastercard. It went through and I earned points for it. I’m not sure if it worked because I already had the money in my grabpay wallet (did not need to pull from a card).


I’m so sorry for the wrong info!! Grab worked for give.asia but not giving.sg 🙁


Anybody tried the Lazada workaround?



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