2024 Edition: Best Credit Cards for Medical Expenses

Doctor, dentist, or back alley proctologist- here's the best cards to use on all your medical expenses.

For the past few years, I’ve been publishing a “best credit cards for hospitals” article, but this year I’m going to expand it further because not every medical situation ends up in a hospital bill (thankfully!).

In this post, I’ll run through the best cards to use for medical expenses in general, whether dentists, doctors, physiotherapists, opticians or podiatrists (no, homeopathy doesn’t count).

💳 What’s the Best Card for…
❓ Overall Guide
✈️ Air Tickets
🌎 Amaze 💗 Charity
🍽️ Dining
🏫 Education🥡 Food Delivery
🏨 Hotels☂️ Insurance
📱 Kris+
⚕️ MedicalPetrol🚍 Public Transport
🛒 Supermarkets🚰 Utilities 

How do medical expenses code?

Medical transactions can code under a wide range of MCCs, depending on the malady in question.

👨‍⚕️ Healthcare-related MCCs
MCCDescriptionExamples
8011Doctors- Not Elsewhere ClassifiedHealthway Medical, Q&M Medical, Raffles Medical
8021Dentists and OrthodontistsElements Dental, Parkway Dental, Unity Denticare
8031Osteopathic PhysiciansCity Osteopathy Physiotherapy, The Osteopathic Centre
8041ChiropractorsChiropractic First, Spinal Rehab Centre
8042Optometrists and OphthalmologistsAsia Retina, Tsecc
8043Opticians, Optical Goods and EyeglassesKJ Optometrists, Northern Optician, New China Opticians
8044Optical Goods and EyeglassesNanyang Optical, Paris Miki, W Optics
8049Chiropodists, PodiatristsFootworks Podiatry Clinic, East Coast Podiatry
8050Nursing and Personal Care FacilitiesCharis Manor Nursing Home, LC Nursing Home, Orange Valley 
8062HospitalsRaffles Hospital, SGH, all Polyclinics
8071Dental and Medical LabsNewPath Diagnostics Lab
8099Health Practitioners, Medical Services Not Elsewhere ClassifiedDoctor Anywhere, Eu Yan Sang TCM Clinic, HealthHub

As you can see, hospitals are just one of many possible healthcare-related MCCs. And that’s a good thing, because even though many banks have nerfed rewards for hospitals, they haven’t done so for the rest.

In case you’re uncertain about the MCC, there’s three ways of looking it up before making a purchase:

MethodEase of UseReliability
HeyMax●●●
📱 Instarem app●●●●
🤖 DBS digibot
●●●

Best Cards for Hospitals

Let’s start with hospitals first, because banks tend to see it as a separate category from other healthcare transactions.

Here’s how the MOH organises hospitals in Singapore: 

 AcuteCommunity
Public

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
 
❓ What’s a restructured hospital?

You may also come across the term “restructured hospital”. This is basically a public hospital. 

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.”

All polyclinics and the following specialist centres also code as public hospitals.

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

Why does the classification matter? Because it affects the hospital’s MDR, or Merchant Discount Rate- the fee paid to accept credit card payments. In general, public hospitals pay lower MDRs, while private hospitals pay higher. Therefore, while some banks have excluded hospitals altogether, others have taken the less drastic step of only excluding public ones. 

Here’s the list of banks which still award points for hospital transactions:

 PublicPrivate & Non-Profit
ULTIMA
All other cards
TravelOne
Visa Infinite
VOYAGE & Premier Visa Infinite
All other cards
Reserve & Visa Infinite Metal Card
All other cards

Therefore, you can use the following cards, subject to the exclusions mentioned in the table above.

CardEarn Rate
AMEX HighFlyer Card1.8 mpd
UOB Reserve Card1.6 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
OCBC VOYAGE 1.3 mpd
OCBC Premier Visa Infinite1.28 mpd
HSBC Visa Infinite1.25 mpd^
AMEX KrisFlyer Ascend1.2 mpd
Maybank Visa Infinite1.2 mpd
SCB X Card1.2 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
*Min S$2K spend per statement month
^1 mpd if first year or if previous year spending <$50K

By the way, don’t assume that just because a medical practice is located on the grounds of a hospital, it will code as a hospital. In fact, most clinics within hospitals have their own MCCs, in which case you should refer to the next section. 

Workarounds

If you’re visiting a public hospital or polyclinic, not all is lost. You can pay your bills via the HealthHub/Health Buddy/OneNUHS app and still earn miles, since this changes the transaction to MCC 8099!

I’d recommend using the Citi Rewards Card or DBS Woman’s World Card for 4 mpd, subject to the usual monthly caps.

Best Cards for Other Medical Expenses

When it comes to non-hospital medical expenses, we basically have a general spending situation on our hands.

CardEarn RateRemarks
Amaze + Citi Rewards
Apply
4 mpdMax $1K per s. month
Review
DBS WWMC
Apply
4 mpdMax S$2K per c. month. Must be online
Review
UOB Pref. Plat. Visa
Apply
4 mpdMax S$1.1K per c. month, must use mobile payments
Review
UOB Visa Signature 
Apply
4 mpdMin S$1K, max S$2K per s. month on contactless & petrol
Review
⚠️ Amaze charges a fee!
If you’re using the Amaze + Citi Rewards combination to turn offline transactions into online ones, do note that a 1% transaction fee (with a min. fee of S$0.50) will be charged for SGD transactions made to MCCs 8011, 8021, 8041, 8062 and 8099

The only card with an exclusion for non-hospital healthcare transactions is the KrisFlyer UOB Credit Card, which excludes MCCs 8011 and 8099 effective August 2022. 

Conclusion

While more and more banks are excluding rewards for hospital transactions, there’s thankfully still workarounds in the form of HealthHub and Health Buddy.

Moreover, if you’re just looking at outpatient treatment, most credit cards will let you earn the usual rewards of up to 4 mpd on your spending.

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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Maxx

Thanks for the helpful article. Got bills to pay at SGH.

Dan

Very timely article. Have a 15-25k bill coming up for my 1st child’s birth!

kit

Lol wish i seen this on Tuesday

Kl E

Dear Aaron, Last month I tried, citirewards visa no longer provide 4mpd for grab top up. You like to double check ?

Yiwei

Did you happen to have exceeded your monthly cap? I just topped up grab on 16th June and was credited the points.

Patsy

Don’t understand why people read your website AND still use GrabPay.

Jerm

Wonder if anyone knows what is the MCC code used for National Skin Center?

LionDen

Used DBS Altitude for Q&M dental this week. Confirmed points awarded.

CJss

Hi, I think DBS Altitude does not award pointz for grab topups. Its stated in thd T&C

Try

Maybe you should try it yourself…

playereleven

For sharing:

I think Aaron’s article is referring to payment over counter. Nowadays you don’t really need to pay govt hospital bills over the counter and can opt to pay online instead. I just paid my mum’s SGH bills via http://epay.singhealth.com.sg/sgh. I tested the smaller bills on both my UOB Prvi and Citi Rewards (both Mastercard) and I got 1.4 miles and 4 miles respectively. Do note only VISA and Masters are accepted on this payment gateway.

Hope it helps.

TesQ

Hello Aaron and thanks for this article! To ride on this comment, does that mean that all other apps e.g. Using DBS Woman’s World for KKH bills via Health Buddy, can be approached as such too?

Chhh

Update that this still works: I just found that an online payment done last month (March 2023) to Singhealth for SGH bill got 1.4 mpd on UOB PRVI Miles Mastercard.

Kay

The post metion UOB PRIVI miles card does it applies to all Visa,Master,AMEX?

Ethan

Hi Aaron, great article!

Am wondering, with the upgrade in HSBC Revolution, does it give 4mpd if using contactless as MCC 8062? If so, you can update it on your article!

Eric tan

Any idea on private clinic? What Mcc are usually used by gp or specialist clinic?

Melv

Anyone knows?

kolono

So with my limited card, my best bet would be either 90N or premier if Amex cant be use….

kolono

citi premiermile i mean

Jojoj

Pls double-check Bank of China’s Family card. I called up and they said hospitals are eligible for cashback but cap at $25.

Last edited 2 years ago by Jojoj
milesking

this guide is only for *miles* cards. if you’re looking for cashback, this is the wrong site for you

D K

Aaron, can you consider adding this category to the “what card do I use for” section?

I missed this article, got greedy and used my citi rewards visa at national skin centre’s pharmacy. Ended up with only the base points.

Jezz tan

Still don’t have leh, just fyi

Kenny Tan

Hihi, do you mean entire cgh uses the code mcc 8062? Any grabpoints awarded to any of the mcc 9399 or mcc 8062? Any difference using the physical card or the e card?

Den

UOB PPV has excluded 8062 wef 2021. need to update this article

Angela

I think this sentence needs to be removed “ Based on past data points, polyclinics code as 8062 and not 9399, and hence earn regular credit card rewards (most also accept Paywave, so 4 mpd with the UOB Preferred Platinum Visa is possible). ” as it causes confusion about Paywave possibly overriding the MCC exclusion.

Adam

Amaze + CRMC for 4 mpd?

Wii

Have the following info to share

Mount Elizabeth Novena Hospital 8062
Mount Alvernia Hospital 8062
The Skin Specialist Clinic 8099
The Eyeclinic by Dr Cheryl Lee Clinic 8011
Barrie Tan ENT Head & Neck Surgery 8011

Aung

Hi AARON WONG, it’s time to update this list , most of the CC exclude hospital in earning list

ming

citi miles card didnt indicate 8062 in their list though

J H

StarMed Specialist Centre 8011
Farrer Park Hospital 8062

Lim

Bank of China Family VISA – 3% Cashback (Cap $25), min $800 Spend

  • pay at counter with physical card only

”Hospital” bills means on-site transactions made at hospitals in Singapore with the assigned MCC 8062 – Hospitals. For the avoidance of doubt, all transactions made at hospitals in Singapore that do not fall within the assigned MCC 8062 will be eligible for 0.3% cash rebate. 
https://pic.bankofchina.com/bocappd/singapore/201908/P020190802365794711754.pdf

Alfaen

Do you know if hospital bills paid via app such as OneNUHSApp fall under MCC 8062? I was told it uses a separate MCC.

Jerry

Hi Aaron, is there a cap if we use Citi rewards + Amaze?

cashon9

The cap is of course your Citi Rewards’ cap?

Lee

Hi Aaron, I thought Highflyer only excludes public hospitals? Can i still earn 1.8mpd if I’m going to spend at Mt. Elizabeth Novena?

Tankh

Hey will the grab pay work around not work anymore for highflyer card since topups are nerfed?

Sebastian Koh

Hi , I was informed by Citi bank that mc8099 do not earn bonus miles. Btw, I am paying using Instarem. Do I still get the bonus miles?

John

8099 is not excluded in TnCs

tcmeaN

Just tried paying through HealthHub, MCC 8099 for KKH SingHealth bill

Chris

seems like Citibank has now excluded MCC 8062 from their rewards list

https://www.citibank.com.sg/global_docs/pdf/Revised_Rewards_Exclusion_List.pdf

Patrick

Jan 2024 : Maybank Horizon Visa ?

Dee Jae

For HSBC T1 card, i clarified with bank just 1-2 months back since i did not get my miles:
8062 Excluded (Pay @ Counter)
8099 Eligible (Healthhub, NUHS)

Bernard

If I have a large bill (in the many thousands) for a private hospital, what cards should I use purely for sign-up bonus purposes? Assuming the bill can be split among a few cards. I already have DBS, Citi and UOB cards, and am open to both miles and cash/gift bonuses. Understand that certain cards such as OCBC would not even count hospital payments as part of eligible spend.

TSL

Any data point on HSBC Evol card welcome gift? Does 8062 or 8099 counted as part of the qualifying spend?

Albert

Thanks Aaron for the article. By the way does anyone know which card could still earn points (or even bonus points) for executive health screening at Parkway? Thanks so much!

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