Hotel stays are a great opportunity to rack up miles towards your next trip. However, given the variety of ways you can book and pay for hotels, picking the right credit card isn’t always straightforward.
In this post, we’ll look at different scenarios, and the best card to use in each.
| 💳 What’s the Best Card for… | ||
| ❓ Overall Guide |
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| ✈️ Air Tickets |
🌎 Amaze | 🛍️ Atome |
| 💰 CardUp | 🚗 Car Rental | 💗 Charity |
| 🍽️ Dining | 🏫 Education | ⚡ EV Charging |
| 🥡 Food Delivery | 🏨 Hotels | ☂️ Insurance |
| 📱 Kris+ | ⚕️ Medical | 🏖️ Overseas |
| 💊 Pharmacies | ⛽ Petrol | 🚍 Public Transport |
| 🛒 Supermarkets | 🚰 Utilities | 💒 Weddings |
How do hotel transactions code?
When determining the right card to use for hotel transactions, we need to consider three things:
- Merchant Category Code (MCC)
- Whether the transaction is processed online or offline
- Whether the transaction is in SGD or foreign currency (FCY)
Merchant category code
| 🏨 Pay directly with hotel | 🌐 Pay via OTA |
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If you’re paying at the hotel directly at the front desk or on its official website, the transaction will code in the MCC 3500-3999 range for major hotels, or MCC 7011 for smaller hotels and AirBnB.
| ⚠️ Important Note |
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Just because a hotel is part of a chain doesn’t guarantee it will code under the chain’s corresponding MCC in the 3500-3999 range. As shown in the screenshot below from the Westin Kuala Lumpur, it’s possible for chain hotels to code as 7011.
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If you’re paying for a hotel through an online travel agent (OTA) like Agoda, Booking.com, Expedia, Hotels.com or Trip.com, the transaction will code as MCC 4722.
Do keep in mind that booking a hotel via an OTA is not necessarily the same as paying for a hotel via an OTA.
- If you book via an OTA and pay at the time of booking, your transaction will code as MCC 4722
- If you book via an OTA and choose a “pay at hotel” rate, your transaction will code as MCC 3500-3999/7011
In case you’re uncertain about the MCC, there’s three ways of looking it up before making a purchase:
| Method | Ease of Use | Reliability |
| ❓HeyMax | ●●● | ● |
| 📱 Instarem app | ●● | ●● |
| 🤖 DBS digibot | ● |
●●● |
| Note: “Ease of use” and “reliability” are all relative. HeyMax already provides a solid baseline for reliability, and the DBS digibot is still simple enough to use, despite requiring more steps than the other two methods. | ||
Online/offline processing
Virtually every hotel will require you to provide a credit card to secure your booking. However, depending on the rate you’ve selected, payment may either be made at:
- The time of booking
- The time of check-in/check-out
(1) is generally for prepaid and non-cancellable rates, while (2) is generally for flexible and cancellable rates. In other words, (1) is likely to be processed online, while (2) is likely to be processed offline.
| ⚠️ Caveat |
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You’ll notice I’ve used terms like “generally” and “likely”. That’s because I’ve encountered situations with Hilton and GHA where supposedly prepaid and non-cancellable rates were charged offline at the hotel, at the time of check-in. When in doubt, it’s best to email the hotel to find out the billing arrangement. |
SGD or FCY
If you’re staying at an overseas hotel, then you can simply use any card which offers bonuses for FCY spend.
Just be careful that you don’t fall victim to the DCC scam. Always opt to pay in FCY instead of SGD, and if you’re not given the choice, be sure to raise a dispute.
Stays booked directly with the hotel
If you’re booking directly with the hotel, the following cards can be used to earn up to 4 mpd.
| 🏨 Bookings via Hotel (Paid online or at the front desk) |
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| Card | Earn Rate | Remarks |
 UOB Lady’s CardApply |
4 mpd |
Max S$1K per c. month. Must choose Travel as bonus category Review |
 UOB Lady’s SolitaireApply |
4 mpd |
Max S$750 per c. month. Must choose Travel as bonus category Review |
 DBS Woman’s World CardApply |
4 mpd Online |
Max S$1K per c. month Review |
 DCS Imperium CardApply |
4 mpd FCY |
Min. S$4K FCY spend per c. month Review |
 HSBC RevolutionApply |
4 mpd |
Max S$1.5K per c. month1 Review |
 Maybank XL Rewards CardApply |
4 mpd | Min. spend S$500 per c. month, capped at S$1K per c. month |
 UOB Preferred Platinum VisaApply |
4 mpd2 |
Max S$600 per c. month Review |
 UOB Visa Signature Apply |
4 mpd3 |
Min S$1K max S$1.2K SGD spend per s. month Review |
 StanChart Beyond CardApply |
3-4 mpd FCY |
3 mpd for regular, 3.5 mpd for PB, 4 mpd for PP. No cap Review |
 Maybank Visa InfiniteApply |
3.2 mpd FCY |
Min. spend S$4K per c. month Review |
 Maybank World MastercardApply |
3.2 mpd FCY |
Min. spend S$4K per c. month, 2.8 mpd with min. spend S$800 per c. month Review |
 StanChart Visa InfiniteApply |
3 mpd FCY |
Min. spend S$2K per s. month, no cap Review |
 BOC Elite Miles CardApply |
2.8 mpd FCY |
No cap Review |
 Maybank Horizon Visa SignatureApply |
2.8 mpd FCY |
Min. spend S$800 per c. month Review |
| 1. Temporary promotion until 28 Feb 2026 2. Must pay in person, using mobile payment (do not tap physical card) 3. If paid in SGD, must pay in person via contactless (tap physical card or use mobile wallet) |
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Two points to note:
- If you’re using the DBS Woman’s World Card, your transaction must be processed online in order to earn the 4 mpd bonus rate
- If you’re using the UOB Visa Signature Card and the spend is charged in SGD, you must pay via in-person contactless spend. If the spend is in FCY, there is no such restriction
| ❓ Where’s the Citi Rewards Card? |
| The Citi Rewards Card earns 4 mpd on all online transactions, except travel (defined as airlines, cruises, hotels, rental cars, trains). Therefore, it wouldn’t be the right card to use here, as you’ll earn just 0.4 mpd. |
Stays booked through OTAs
If you book your hotel through an OTA, you could potentially earn up to 10 mpd with the right card.
There’s two possible scenarios here:
- You book through the OTA’s public landing page
- You book through the OTA’s special landing page for certain cardholders (e.g. Citi x Agoda)
Either way, I’m assuming you choose the Pay Online rate. If you choose the Pay at Hotel rate, then your card is only charged at the time of check-in/out, and you should refer to the previous section.
Public landing page
| 🏨 Bookings via OTA (Paid for online) |
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| Card | Earn Rate | Remarks |
| UOB Lady’s Card Apply |
4 mpd |
Max S$1K per c. month. Must choose Travel as bonus category Review |
| UOB Lady’s Solitaire Apply |
4 mpd |
Max S$750 per c. month. Must choose Travel as bonus category Review |
| DBS Woman’s World Card Apply |
4 mpd |
Max S$1K per c. month Review |
| DCS Imperium Card Apply |
4 mpd FCY |
Min. S$4K FCY spend per c. month Review |
| UOB Visa Signature Apply |
4 mpd FCY |
Min S$1K max S$2K FCY spend per s. month Review |
| StanChart Beyond Card Apply |
3-4 mpd FCY |
3 mpd for regular, 3.5 mpd for PB, 4 mpd for PP. No cap Review |
| Maybank Visa Infinite Apply |
3.2 mpd FCY |
Min. spend of S$4K per c. month. No cap Review |
| Maybank World Mastercard Apply |
3.2 mpd FCY |
Min. spend of S$4K per c. month, 2.8 mpd with min. spend of S$800 per c. month. No cap Review |
| StanChart Visa Infinite Apply |
3 mpd FCY |
Min. spend S$2K per s. month. No cap Review |
| Maybank Horizon Visa Signature Apply |
2.8 mpd FCY |
Min. spend of S$800 per c. month. No cap Review |
| BOC Elite Miles Card Apply |
2.8 mpd FCY |
No cap Review |
 KrisFlyer UOB Credit CardApply |
2.4 mpd1 | With min. S$1K spend on SIA Group per m. year. No cap Review |
| 1. For Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel |
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Special landing page
| 🏨 Bookings via OTA (Paid for online) |
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| Agoda | Expedia | Kaligo | |
 Citi PremierMiles Card |
7.2 mpd | – | 10 mpd |
 OCBC 90°N |
Up to 7 mpd | – | – |
 UOB PRVI Miles |
8 mpd | 6 mpd | – |
These bookings must be made through specific landing pages, which I’ve linked to in the table above. You will also be required to make payment at the time of booking.
A word of warning: bookings made through these pages may be more expensive than if you were to go through the generic website. You should make a point of comparison shopping, and should the price on the special landing page be higher, you need to decide if the differential is worth the miles.
Be careful with Agoda DCC!
Since we’re talking about OTAs, here’s something important to know.
Agoda processes Mastercard transactions outside of Singapore (in Hong Kong to be precise). If the booking prices in SGD, and you use a Mastercard to pay, most banks including DBS and UOB will charge a 1% cross-border fee (it’s conceptually the same as walking into a store in Hong Kong and choosing to pay in SGD). You can avoid the 1% fee by paying with Atome.
Visa transactions are processed in Singapore, so if you’re using a BOC or UOB card, you will earn miles at the SGD rate, regardless of what currency you pay in.
What if I’m buying hotel points?
Purchases of hotel points from Points.com (which processes sales for Hilton Honors, IHG, Marriott Bonvoy and World of Hyatt) will not code as hotel transactions.
Instead, these code as USD transactions under MCC 7399 (Business Services Not Elsewhere Classified). You can use the following cards instead:
| Card | Earn Rate | Remarks |
 Citi Rewards CardApply |
4 mpd | Cap of S$1K per s. month |
| DCS Imperium Card Apply |
4 mpd | Min. S$4K FCY spend per c. month. No cap |
| UOB Visa Signature Apply |
4 mpd | Min S$1K, max S$1.2K FCY spend per s. month |
| StanChart Beyond Card Apply |
3-4 mpd | 3 mpd for regular, 3.5 mpd for PB, 4 mpd for PP. No cap |
| Maybank World Mastercard Apply |
3.2 mpd | Min. S$4K per c. month, no cap. Earn 2.8 mpd with min. S$800 per c. month. No cap |
| Maybank Visa Infinite Apply |
3.2 mpd | Min. S$4K per c. month. No cap |
| StanChart Visa Infinite Apply |
3 mpd | Min S$2K per s. month. No cap |
| Maybank Horizon Visa Signature Apply |
2.8 mpd | Min S$800 per c. month. No cap |
| BOC Elite Miles Card Apply |
2.8 mpd |
No cap. |
Conclusion
Using the right card for hotel bookings can earn as much as 10 mpd towards your next trip, but be careful because there’s a lot of variables at play: booking direct vs an OTA, paying online versus at the hotel, paying in local currency vs FCY.
If you’re booking through a special OTA website for bank customers, do take care that you’re not paying significantly more. Extra miles are nice, but not if you’re paying over the odds for them!
I’ve encountered a situation where booking directly through the hotel online with advance payment does not earn 4mpd on the WWMC. Guessing that this is because the hotel took the credit card info I filled and separately input them into their terminal, making it an “offline” transaction. In such cases, would it be correct to say that the UOB Lady’s card will be a safer bet if we are unsure how it’s processed since for Lady’s card it does not matter whether it’s offline or online?
Thanks for the comment and this is useful for my future travels.
Can the DBS WWMC be used for hotel points purchases, or is that excluded?
not excluded explicitly, but real world data points say no 4 mpd unless appeal, and even appeal is YMMV
You mean the HSBC Revolution doesn’t give 4mpd for stays booked via Agoda?? Oh gosh….
it will until january 2024.
Why no mention of Citi prestige card?
Because this is about the “best credit cards” rewards? Prestige will be good if 4NF can be triggered, otherwise, its mpd is nowhere near 4mpd.
If I book a hotel via one of the public landing page websites, by they say that payment will be charged directly by property, that will screw up my miles right?
Is it common to pay over counter for hilton members? It’s always that case for IHG
Needs to be updated – HSBC Revo excludes hotels now. Also don’t think it’s still 6mpd for Lady Solitaire
Does UOB Pref Plat give 4 mpd for Stays booked directly with the hotel still? since the MCC 3000-3999 is not explicitly listed as included in the card T&Cs
I believe UOB PPV gives 4 mpd for Mobile Contactless Transactions at the hotel, not online. Aaron can you confirm?
must be in -person
When booking through websites like Agoda, do they need to be charged in SGD for the bonus points? Or charging in the local currency still earns the bonus points?
Cloud you please clarify why UOB Visa Signature is applicable for Points.com transactions
(Paid for online)? is it FCY only?
Doesn’t HSBC revolution exclude 4722 for earning 4mpd?
yes that’s right. have removed it from the bottom table, thanks.
To get 7.2mpd via agoda using Citi PremierMiles Card, card owner has to be lead guest. Meaning no booking for family/ friends’ trips if card owner is not travelling too.
UOB PPV card can earn 4mpd when you book from hotel website directly? I thought this is still considered a travel transaction? (which ppv card doesn’t qualify for 4mpd)
see the footnote:
4. Must pay in person, using mobile payment (do not tap physical card)