How can I find the MCC?

The most crucial piece of information you need to decide what card to use is the Merchant Category Code, or MCC. 

Here’s three ways of looking up an MCC before making a purchase:

Local General Spending

Card	Earn Rate	Remarks
Amaze + Citi Rewards Apply	4 mpd	1% admin fee (min. S$0.50) applies. Max S$1K per s. month, excludes travel and mobile wallet
Chocolate Visa Card Apply	2 mpd	Max S$1K per c. month, 0.4 mpd after
StanChart Beyond Card Apply	Up to 2 mpd	Regular: 1.5 mpd PB & PP: 2 mpd
Citi ULTIMA Card Apply	1.6 mpd
DBS Insignia Card Apply	1.6 mpd
UOB Reserve Card Apply	1.6 mpd
OCBC VOYAGE Card (Premier, PPC, BOS) Apply	1.6 mpd
DBS Vantage Card Apply	1.5 mpd
UOB Visa Infinite Metal Card Apply	1.4 mpd
UOB PRVI Miles (AMEX | Mastercard | Visa)	1.4 mpd
StanChart Visa Infinite Apply	1.4 mpd	Min S$2K total spend per s. month, otherwise 1 mpd
DBS Altitude Card (AMEX | Visa)	1.3 mpd
Citi Prestige Card Apply	1.3 mpd	Up to 0.06/0.12 mpd relationship bonus
OCBC 90°N Card (MC | Visa)	1.3 mpd
OCBC VOYAGE Card Apply	1.3 mpd
OCBC Premier Visa Infinite Apply	1.28 mpd
AMEX HighFlyer Card Apply	1.2 mpd
HSBC Premier Mastercard Apply	1.2 mpd	1.8 mpd on travel, dining and entertainment till 30 Jun 25
HSBC TravelOne Card Apply	1.2 mpd
Maybank Visa Infinite Apply	1.2 mpd
StanChart Journey Card Apply	1.2 mpd
KrisFlyer UOB Credit Card Apply	1.2 mpd
Citi PremierMiles Card Apply	1.2 mpd
AMEX KrisFlyer Ascend Apply	1.2 mpd
AMEX KrisFlyer Credit Card Apply	1.1 mpd
BOC Elite Miles Card Apply	1 mpd
HSBC Visa Infinite Apply	1 mpd	Step-up earn rates have been sunset

Foreign Currency General Spending

Card	Earn Rate	Remarks
DCS Imperium Card Apply	4 mpd	Min. S$4K FCY spend per c. month
Amaze + Citi Rewards	4 mpd	Max S$1K per s. month, excludes travel and mobile wallet
UOB Visa Signature Apply	4 mpd	Min S$1K max S$2K FCY spend per s. month
StanChart Beyond Card Apply	Up to 4 mpd	Regular: 3 mpd PB: 3.5 mpd PP: 4 mpd
Maybank Visa Infinite Apply	3.2 mpd	Min S$4K spend per c. month, otherwise 2 mpd
Maybank World Mastercard Apply	3.2 mpd	Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd
StanChart Visa Infinite Apply	3 mpd	Min S$2K overall spend per s. month, otherwise 1 mpd
StanChart Rewards+ Card Apply	2.9 mpd	Max S$2.2K foreign currency spending per m. year
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd
HSBC TravelOne Card Apply	2.4 mpd
UOB PRVI Miles (AMEX | Mastercard | Visa)	2.4 mpd	3 mpd if in IDR, MYR, THB, VND
UOB Reserve Card Apply	2.4 mpd
UOB Visa Infinite Metal Card Apply	2.4 mpd
DBS Treasures AMEX	2.4 mpd
OCBC VOYAGE (Premier, PPC, BOS) Apply	2.3 mpd
OCBC Premier Visa Infinite Apply	2.24 mpd
Citi PremierMiles Card Apply	2.2 mpd
DBS Altitude (AMEX | Visa)	2.2 mpd
DBS Vantage Card Apply	2.2 mpd
OCBC VOYAGE Card Apply	2.2 mpd
OCBC 90°N Card (MC | Visa)	2.1 mpd
Chocolate Visa Card Apply	2 mpd	No FCY fees. Max S$1K per c. month, 0.4 mpd after
BOC Elite Miles Card Apply	2 mpd
Citi Prestige Card Apply	2 mpd	Up to 0.06/0.12 mpd relationship bonus
Citi ULTIMA Card Apply	2 mpd
DBS Insignia Card Apply	2 mpd
HSBC Premier Mastercard Apply	2 mpd	Temporarily upsized to 2.8 mpd till 30 Jun 25
HSBC Visa Infinite Apply	2 mpd	Step-up earn rates have been sunset
StanChart Journey Card Apply	2 mpd
All other options earn <2 mpd

Air Tickets

Card	Earn Rate	Remarks
UOB PRVI Miles (AMEX | Mastercard | Visa)	6 mpd	For selected airline bookings on Expedia
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Max S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Travel must be chosen as bonus category
DBS Woman’s World Card Apply	4 mpd	Max S$1.5K per c. month
KrisFlyer UOB Credit Card Apply	3 mpd	SIA & Scoot only
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month. Capped at S$10K per c. month.
AMEX HighFlyer Card Apply	2 mpd	SIA & Scoot only
AMEX KrisFlyer Ascend Apply	2 mpd	SIA & Scoot only
AMEX KrisFlyer Credit Card Apply	2 mpd	SIA & Scoot only
AMEX Platinum Charge Apply	1.95 mpd	SIA & Scoot only

Amaze

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd1	Max S$1K per s. month
OCBC Rewards Card Apply	4 mpd2	Max S$1.1K per c. month
1. All transactions except travel (Airlines, hotels, rental cars, tour agencies, cruises etc.) (T&Cs) 2. Clothes, bags, shoes and shopping (T&Cs)

Atome

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd	Max S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Max S$1.5K per c. month
HSBC Revolution Card Apply	4 mpd	Max S$1K per c. month
KrisFlyer UOB Credit Card Apply	3 mpd	Min. S$800 spend on SIA Group in a m. year. No cap. Cut to 2.4 mpd from 1 Jun 25

CardUp

What’s the best card to use for CardUp?

Charitable Donations

Card	Earn Rate	Remarks
Maybank World Mastercard Apply	SGD: 0.4 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd
Maybank Horizon Visa Signature Apply	SGD: 0.4 mpd FCY: 2.8 mpd	FCY: Min S$800 spend per c. month, otherwise 1.2 mpd.
Maybank Manchester United Card Apply	2 mpd + 3% cashback	Bonus rate only when Man Utd win; 0.4 mpd + 1% cashback otherwise
Chocolate Visa Card Apply	2 mpd	Card will not work for overseas charities. Max S$1K per c. month, 0.4 mpd after
Maybank Visa Infinite Apply	SGD: 1.2 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month, otherwise 2 mpd
AMEX Centurion	0.98 mpd
AMEX Platinum Charge Apply	0.78 mpd

Dining

Card	Earn Rate	Remarks
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise. Selected fast food only
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Dining must be chosen as bonus category
HSBC Revolution Card Apply	4 mpd	Cap S$1K per c. month. Must be online
KrisFlyer UOB Credit Card Apply	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Cut to 2.4 mpd from 1 Jun 25

Education

Card	Earn Rate	Remarks
Maybank World Mastercard Apply	SGD: 0.4 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd
Maybank Horizon Visa Signature Apply	SGD: 0.24 mpd FCY: 2.8 mpd	FCY: Min S$800 spend per c. month, otherwise 1.2 mpd.
Chocolate Visa Card Apply	2 mpd	No FCY fees. Max S$1K per c. month, 0.4 mpd after
UOB Reserve Card	SGD: 1.6 mpd FCY: 2.4 mpd
UOB Visa Infinite Metal Card Apply	SGD: 1.4 mpd FCY: 2.4 mpd
UOB Privilege Banking Card Apply	SGD: 1.2 mpd FCY: 2 mpd
Maybank Visa Infinite Apply	SGD: 1.2 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month, otherwise 2 mpd

EV Charging

Card	Earn Rate	Remarks
StanChart Smart Card Apply	Up to 9.28 mpd	Min. S$1.5K per s. month, no cap
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Cap S$1.5K per c. month

Food Delivery

Card	Earn Rate	Remarks
DBS yuu Card AMEX | Visa	10 mpd	Min. S$600 max S$600 per c. month. Foodpanda only
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Dining must be chosen as bonus category
DBS Woman’s World Card Apply	4 mpd	Cap S$1.5K per c. month
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
UOB Preferred Platinum Visa Apply	4 mpd	Cap S$1.1K per c. month
KrisFlyer UOB Credit Card Apply	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Cut to 2.4 mpd from 1 Jun 25
StanChart Journey Card Apply	3 mpd	Limit S$1K per s. month, must be online in SGD

Grab, gojek, TADA, other ride hailing

Card	Earn Rate	Remarks
DBS yuu Card AMEX | Visa	10 mpd	Min. S$600 max S$600 per c. month. Gojek only
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as bonus category
DBS Woman’s World Card Apply	4 mpd	Cap S$1.5K per c. month
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
HSBC Revolution Card Apply	4 mpd	Cap S$1K per c. month. Must be online
KrisFlyer UOB Credit Card Apply	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Cut to 2.4 mpd from 1 Jun 25
StanChart Journey Card Apply	3 mpd	Limit S$1K per s. month, must be online in SGD

Groceries/Supermarket

Card	Earn Rate	Remarks
DBS yuu Card AMEX | Visa	10 mpd	Min. S$600 max S$600 per c. month. Cold Storage and Giant only
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Family must be chosen as your bonus category
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD

Hospitals

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	2 mpd	Max S$1K per c. month, 0.4 mpd after
Citi ULTIMA Card Apply	1.6 mpd
AMEX Solitaire PPS Credit Card Apply	1.3 mpd	Excludes public hospitals
AMEX PPS Credit Card Apply	1.3 mpd	Excludes public hospitals
OCBC VOYAGE Card Apply	1.3 mpd	Excludes public hospitals
OCBC Premier Visa Infinite Apply	1.28 mpd	Excludes public hospitals
Maybank Visa Infinite Apply	1.2 mpd
AMEX HighFlyer Card Apply	1.2 mpd	Excludes public hospitals
AMEX KrisFlyer Ascend Apply	1.2 mpd	Excludes public hospitals
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Excludes public hospitals
AMEX Centurion	0.98 mpd	Excludes public hospitals
AMEX Platinum Charge Apply	0.78 mpd	Excludes public hospitals
AMEX Platinum Reserve Apply	0.69 mpd	Excludes public hospitals
AMEX Platinum Credit Card Apply	0.69 mpd	Excludes public hospitals

Hotels

Card	Earn Rate	Remarks
Citi PremierMiles Card Apply	10 mpd on Kaligo, 7.2 mpd on Agoda	Refer to T&Cs for exclusions
UOB PRVI Miles (AMEX | Mastercard | Visa)	8 mpd on Agoda, 6 mpd on Expedia	Refer to T&Cs for exclusions
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Travel must be chosen as bonus category
DBS Woman’s World Card Apply	4 mpd	Cap S$1.5K per c. month. Must be online.
KrisFlyer UOB Credit Card Apply	3 mpd	Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel (with min S$800 spend on SIA Group in a m. year). Cut to 2.4 mpd from 1 Jun 25

Insurance Premiums

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	2 mpd	Max S$1K per c. month, 0.4 mpd after
Maybank Visa Infinite Apply	SGD: 1.2 mpd FCY: 3.2 mpd	Cap S$3K per c. month. Must spend at least S$4K per c. month for 3.2 mpd rate, otherwise 2 mpd
AMEX KrisFlyer Ascend Apply	1.2 mpd	Chubb only
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Chubb only

Kris+

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Max. S$1.5K per c. month
Citi Rewards + Amaze Apply	4 mpd	1% admin fee (min. S$0.50) applies for SGD spend. Max. S$1K per s. month. Do not use Citi Rewards Card alone- no bonuses
KrisFlyer UOB Credit Card Apply	3 mpd	No cap

Online Transactions

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Cap S$1.5K per c. month
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month, excludes travel
OCBC Rewards Card Apply	4 mpd	For online shopping, cap S$1.1K per c. month
UOB Preferred Platinum Visa Apply	4 mpd	For on online shopping and entertainment, cap S$1.1K per c. month
HSBC Revolution Card Apply	4 mpd	For online shopping and travel, cap S$1K per c. month
KrisFlyer UOB Credit Card Apply	3 mpd	For online shopping and travel, with min S$800 spend on SIA Group in a m. year. Cut to 2.4 mpd from 1 Jun 25

PayWave or Mobile Payments

Card	Earn Rate	Remarks
UOB Preferred Platinum Visa Apply	4 mpd	Limit S$1.1K per c. month. Must use mobile payments; no points for paying with physical card
UOB Visa Signature Apply	4 mpd	Min S$1K, Max S$2K per s. month

Petrol

Card	Earn Rate	Remarks
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category
UOB Visa Signature Apply	4 mpd	Min. S$1K max S$2K combined spending on petrol and local contactless spend per s. month
Maybank World Mastercard Apply	4 mpd	No cap. Offline only.

Pharmacies

Card	Earn Rate	Remarks
DBS yuu Card AMEX | Visa	10 mpd	Min. S$600 max S$600 per c. month. Guardian only
OCBC Rewards Card Apply	6 mpd	For Watsons only, capped at S$1K per c. month till 30 Jun 25. 4 mpd for Guardian & Unity
HSBC Revolution Card Apply	4 mpd	Cap S$1K per c. month, online only
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Beauty & Wellness must be chosen as your bonus category
KrisFlyer UOB Credit Card Apply	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Must be online. Cut to 2.4 mpd from 1 Jun 25

Public Transportation (SimplyGo)

Card	Earn Rate	Remarks
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category
KrisFlyer UOB Credit Card Apply	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Cut to 2.4 mpd from 1 Jun 25

Shopping

Card	Earn Rate	Remarks
AMEX Platinum Charge Apply	7.8 mpd	On the first S$16K spent per calendar year at 10XCELERATOR merchants, 3.9 mpd afterwards
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Fashion must be chosen as your bonus category. Selected MCCs
HSBC Revolution Card Apply	4 mpd	Cap S$1K per c. month, online only. Selected MCCs
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month. Selected MCCs
OCBC Rewards Card Apply	4 mpd	Cap S$1.1K per c. month. Selected MCCs
AMEX Platinum Reserve Apply	3.47 mpd	For 10Xcelerator merchants
AMEX Platinum Credit Card Apply	3.47 mpd	For 10Xcelerator merchants

Telco Bills (Singtel, Starhub, M1 etc)

Card	Earn Rate	Remarks
DBS yuu Card AMEX | Visa	10 mpd	Min. S$600 max S$600 per c. month. Singtel only (must pay at kiosk)
DBS Woman’s World Card Apply	4 mpd	Capped at S$1.5K per c. month, for bills paid via app. No points if set up as recurring credit card payment. Excludes Singtel app payments
Citi Rewards Card Apply	4 mpd	Capped at S$1K per s. month, must be paid online or via app. No points if set up as recurring credit card payment. Excludes Singtel app payments
Chocolate Visa Card Apply	2 mpd	Max S$1K per c. month, 0.4 mpd after
AMEX HighFlyer Card Apply	1.2 mpd
AMEX KrisFlyer Ascend Apply	1.2 mpd
AMEX KrisFlyer Credit Card Apply	1.1 mpd

Utilities

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	2 mpd	Max S$1K per c. month, 0.4 mpd after
Maybank World Mastercard Apply	SGD: 0.4 mpd FCY: 3.2 mpd	Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd
Maybank Horizon Visa Signature Apply	SGD: 0.24 mpd FCY: 2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd.
Maybank Manchester United Card Apply	2.0 mpd + 3% cashback	Bonus rate only when Man Utd win; 0.4 mpd + 1% cashback otherwise
Maybank Visa Infinite Apply	SGD: 1.2 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month, otherwise 2 mpd