While online shopping is obviously more convenient, there are still situations that call for in-person purchases.
A merchant may simply not have an online storefront, or even if they do, visiting a brick-and-mortar location to negotiate can get you discounts or extras that you wouldnโt get online. I recently bought a display set TV from Courts at nearly 50% off the list price, something I wouldnโt have been able to do online.
But just because youโre spending in-store doesnโt mean you have to give up online spending bonuses!
Which cards earn bonuses for online spending?
The two cards that should instantly come to mind for online spending are the DBS Womanโs World Card and Citi Rewards Card, both of which earn 4 mpd for online spending.
Card | Earn Rate | Remarks |
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4 mpd | Max S$1K per s. month, excludes travel and in-app mobile wallet spend Review |
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4 mpd | Max S$1.5K per c. month* Review |
*Reduced to S$1K per c. month from 1 August 2025 |
But thereโs more than just these two. Itโs easy to forget that there are other cards where spending must be online in order for bonuses to be awarded.
Card | Earn Rate | Remarks |
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2.4 mpd |
No cap. Min. S$800 on SIA Group in a m. year* Review |
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3 mpd | Max S$1K per c. month Review |
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4 mpd |
Max S$1K per c. month Review |
*Min. S$1,000 on SIA Group for membership years ending November 2025 onwards |
The KrisFlyer UOB Credit Card earns an uncapped 2.4 mpd for online shopping transactions, defined as merchants with the following MCCs.
KrisFlyer UOB Credit Card bonus-eligible MCCs
MCC | Examples |
4816 Computer Network/ Info Services |
GoDaddy, Twitch, Peatix |
5309 Duty Free Stores |
DFS, KrisShop, The Shilla |
5310 Discount Stores |
Lotte Mart |
5311 Department Stores |
Taobao, Isetan, Marks & Spencer |
5331 Variety Stores |
Muji, Mustafa, Miniso |
5399 Misc General Merchandise |
Iuiga, Japan Home, Comgateway |
5611 Menโs Clothing |
Benjamin Barker, Dockers, Superdry |
5621 Womenโs Ready to Wear |
bYSI, Coast, Forever21 |
5631 Womenโs Accessories |
Bimba Y Lola, Chomel, Coach |
5641 Childrenโs and Infantsโ Wear |
Abercrombie Kids, Cotton On Kids, Kidstyle |
5651 Family Clothing |
ASOS, Bossini, Desigual |
5661 Shoe Stores |
ALDO, Bata, Birkenstock |
5691 Menโs and Womenโs Clothing |
Prada, G2000, Ezbuy |
5699 Accessory and Apparel |
LeSportsac, Crumpler, Esprit |
5732-5735 Electronics, Music Stores, Computer Software |
Apple, Audio House, MealPal |
5912 Drug Stores and Pharmacies |
Guardian, NTUC Unity, Watsons |
5942 Book Stores |
Book Depository, Kinokuniya, Books Actually |
5944-5949 Jewelry, Watches, Toys, Camera, Gift Cards, Leather Goods, Sewing |
Cartier, Action City, Canon |
5999 Misc. and Specialty Retail |
Atome, Amazon, eBay |
The StanChart Journey Card earns 3 mpd for online groceries, food delivery, transport, though this only applies to transactions charged in SGD.
StanChart Journey Card bonus-eligible MCCs
MCC | Examples (non-exhaustive) |
Groceries MCC 5411 |
NTUC FairPrice Online, Lazada Redmart |
Bakeries MCC 5462 |
Bengawan Solo, BreadTalk, Four Leaves |
Misc. Food Stores MCC 5499 |
Bottles and Bottles, Famous Amos, Irvins Salted Egg |
Liquor, Wine or Beer Stores MCC 5921 |
1855 The Bottle Shop, The Oaks Cellars, Grand Cru |
Food Delivery* MCC 5811 MCC 5812 MCC 5814 |
GrabFood, Deliveroo, Foodpanda |
Transport MCC 4111 MCC 4121 MCC 4789 |
Grab rides, Comfort taxi, gojek |
Cruise Liners MCC 4411 |
Royal Caribbean, Princess Cruises, Norwegian Cruise |
*Despite the name, the bonus would be equally applicable in situations where a restaurant has online ordering for dine-in (e.g. scan a QR code menu and pay online before receiving your food) |
Finally, the HSBC Revolution Card awards bonuses for online spending on department and retail stores, dining, transport and membership clubs (bonuses for offline spending were removed in June 2024).
HSBC Revolution bonus-eligible MCCs
Category | MCCs |
Department Stores & Retail Stores | 4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999 |
Dining | 5441, 5462, 5811, 5812, 5813 |
Transport & Membership Clubs | 4121, 7997 |
So if youโre spending with these five cards, the question then becomes: is it possible to turn an offline transaction into an online one?
โ ๏ธ When you donโt want a transaction to be online |
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How to turn offline spend into online spend
Amaze
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Apply here |
Use code 7HK2A2 for 225 bonus InstaPoints |
๐ณ tl;dr: Amaze Card |
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Any transaction processed through Amaze codes as online spend, while retaining the original MCC.
However, there are two further considerations here:
- Amaze can only be paired with Mastercards
- Amaze is excluded from rewards by DBS and UOB
- Amaze charges a 1% admin fee (min. S$0.50) for all SGD-denominated transactions
Therefore, the only card that really benefits from the offline to online conversion is the Citi Rewards Card.
Atome
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Get S$10 off first Atome purchase |
Atome transactions code as online, whether theyโre performed on a website, in-app, or physically in-store. This not only lets you turn offline spend into online, it also allows you to use credit cards at merchants which might not otherwise accept them.
Your payment will code as MCC 5999, and split into three interest-free instalments. The first payment is due at the time of the transaction, and itโs advisable to trigger the 2nd and subsequent payments manually via the Atome app as there have been reports that automatic payments do not trigger online spending bonuses.
For a recommended list of cards to use with Atome, refer to the post below.
Gift cards
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๐ 250 Max Miles joining bonus |
Sign up for a HeyMax account and get up to 250 Max Miles as a welcome bonus |
250 bonus Max Miles |
Gift card purchases through websites like Giftano, HeyMax, ShopBack and Wogi all count as online transactions.
You can then use those gift cards for in-store transactions at places including Best Denki, Challenger, Cold Storage, Courts, Giant IKEA, Natureland, Shell, and Sheng Siong.
![]() MCC 5399 Amazon processes transactions over a range of MCCs, so use a card that awards bonuses for general online spend |
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*Admin fee of up to 5% applies to purchases |
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![]() MCC 5814 MCC 5311 ShopBack processes transactions over a range of MCCs, so use a card that awards bonuses for general online spend |
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I found this particularly useful when buying my TV from Courts, in a month when Iโd already maxed out the 4 mpd caps with the UOB Visa Signature and UOB Preferred Platinum Visa.
I was still able to earn 4 mpd by purchasing Courts gift cards via HeyMax using my Citi Rewards Card and HSBC Revolution, then redeeming them in-store (yes, the OCBC Rewards Card would have offered 6 mpd, but Iโd also maxed that out for the month).
Kris+
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S$5 for new Kris+ Users | |||
Get S$5 (in the form of 750 KrisPay miles) when you sign-up with code W644363 and make your first transaction |
Kris+ transactions code as online spend, whether youโre buying deals via the app or making in-store payments. The original MCC is usually maintained, though there are some very limited exceptions (mostly for travel agencies).
For a recommended list of cards to use with Kris+, refer to the post below.
ShopBack Pay or FavePay

Payments made via Shopback Pay or FavePay will code as online spend, even when payment is made in-store.
These transactions usually (but not always) retain the MCC of the underlying merchant. However, do note that DBS cards explicitly exclude FavePay, so donโt use the DBS Womanโs World Card here.
Frasers Experience

FRx Experience gift cards can be used to make payment at most merchants inside Frasers malls. This includes clinics, tuition/enrichment centres, and other places that might not otherwise be eligible for bonuses.
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Gift card purchases will code as MCC 5965, and while this isnโt whitelisted by any particular card, itโs still eligible for 4 mpd with the Citi Rewards and DBS Womanโs World Card.
Do Apple Pay and Google Pay count as online transactions?

I might as well address this too, given how often it comes up.
Asking โdo Apple Pay and Google Pay count as online transactionsโ is a very strange question. Itโs a bit like asking โdo credit card payments count as online transactionsโ. They do, if you make payment online!
When you use Apple Pay and Google Pay to make in-store payments, itโs conceptually similar to tapping your physical card to pay, and considered an offline transaction.
When you use Apple Pay and Google Pay to make an in-app or website-based payment, itโs conceptually similar to entering your card details in the app or website, and considered an online transaction.
Conclusion
While some cards will only award bonuses for online spending, that doesnโt necessarily mean that physical stores are off-limits. By buying gift cards, paying with certain apps, or using Amaze, you can convert that transaction into an online expenditure.
Iโm guessing there are probably other ways that Iโve missed out, so feel free to share other options in the comments too!
What other ways do you know of turning offline spend into online spend?
are you able to use atome to convert public hospital spend to miles?
In short no
When a MCC is excluded dosent matter if you hit the card bonus requirements, its still excluded
Hospitals , utilities etc are in general exclusion list
How about changi pay? Do they code as online?
yes changi pay codes as online. i didnโt include because i donโt have enough #dp on the MCC. I think it used to code as 5999 across the board, but now follows underlying merchant?
Have a dp from april this year at Lotte T3 with ChangiPay is duty free store 5309
I have been tracking my miles, you can convert physical Fairprice transactions to online and get 4 MPD using DBS WWM by paying through FP app
Is anyone else also using it?
Yes. Been doing that
Yes FairPrice App is confirmed.
Not just groceries, Kopitiam as well.
Works with both WWMC and CRMC.
Would say its important to mention Citi generally exclude Google Pay / mobile wallet spent from the bonus earn rate, so even if Google Pay makes transaction โonlineโ, it will not quality Citi Rewardโs 4mpd requirement.
yup good point. will add that in.
What a great post. I wish someone here in the USA would do a similar one for us.
Does grabpay code as online as well?
One can also use changi pay to convert offline to online eg at duty free stores while buying day a watch or a bag
Instead of Shopback / Favepay. What about using Alipay? Seems to be accepted everywhere now.
yes alipay will be online too.
Oh nice, does this become a hawker option with SGQR? Wanna consider doing an article on using Alipay? Not sure if itโs a good option for 4mpd if there are platform fees / fx rates, etc,
A Reddit post has several comments that Alipay will charge you in CNY even if youโre using it in Sโpore, so there will be FX charges or that you canโt use it in Sโpore with a Sโpore credit card.
I see, what about TNG?
Does wechat pay/alipay count as online transaction for womenโs card?