How can I find the MCC?

Categorisation is based on MCC. Here’s three ways of looking up an MCC before making a purchase:

Local General Spending

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

Foreign Currency General Spending

Card	Earn Rate	Remarks
Amaze + Citi Rewards	4 mpd	Max S$1K per s. month, excludes travel and mobile wallet
UOB Visa Signature	4 mpd	Min S$1K max S$2K FCY spend per s. month
StanChart Beyond Card	3-4 mpd	Regular: 3 mpd PB: 3.5 mpd PP: 4 mpd
Maybank Visa Infinite	3.2 mpd	Min S$4K spend per c. month, otherwise 2 mpd
Maybank World Mastercard	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
SCB Visa Infinite	3 mpd	Min S$2K overall spend per s. month, otherwise 1 mpd
SCB Rewards+	2.9 mpd	Max S$2.2K foreign currency spending per m. year
Maybank Horizon Visa Signature	2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd
HSBC TravelOne Card	2.4 mpd
UOB PRVI Miles (AMEX | Mastercard | Visa)	2.4 mpd	3 mpd if in IDR, MYR, THB, VND
UOB Reserve	2.4 mpd
UOB Visa Infinite Metal Card	2.4 mpd
DBS Treasures AMEX	2.4 mpd
OCBC VOYAGE (Premier, PPC, BOS)	2.3 mpd
OCBC Premier Visa Infinite	2.24 mpd
Citi PremierMiles	2.2 mpd
DBS Altitude (AMEX | Visa)	2.2 mpd
DBS Vantage	2.2 mpd
OCBC VOYAGE	2.2 mpd
OCBC 90°N Cards	2.1 mpd
Chocolate Visa Card	2 mpd	No FCY fees. Max S$1K per c. month, 0.4 mpd after
BOC Elite Miles Card	2 mpd
Citi Prestige	2 mpd	Up to 0.06/0.12 mpd relationship bonus
Citi ULTIMA	2 mpd
DBS Insignia	2 mpd
HSBC Premier Mastercard	2 mpd	Temporarily upsized to 2.8 mpd till 30 Jun 25
HSBC Visa Infinite	2 mpd	Step-up earn rates have been sunset
SCB Journey	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 & UOB Lady’s Solitaire	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
UOB Visa Signature	4 mpd (if FCY)	Min S$1K max S$2K foreign currency spend per s. month
DBS Woman’s World Card	4 mpd	Max S$1.5K per c. month
KrisFlyer UOB Credit Card	3 mpd	SIA & Scoot only
Maybank Horizon Visa Signature	2.8 mpd	Min S$800 spend per c. month. Capped at S$10K per c. month.
AMEX HighFlyer Card	2.5 mpd	SIA & Scoot only
AMEX KrisFlyer Ascend	2 mpd	SIA & Scoot only
AMEX KrisFlyer Credit Card	2 mpd	SIA & Scoot only

Amaze

Card	Earn Rate	Remarks
Citi Rewards Card	4 mpd1	Max S$1K per s. month
OCBC Rewards Card	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	Cap
DBS Woman’s World Card	4 mpd	Max S$1.5K per c. month
HSBC Revolution	4 mpd	Max S$1K per c. month, online only
Note: It may be necessary to trigger the payments manually in order to get points credited.

CardUp

What’s the best card to use for CardUp?

Charitable Donations

Card	Earn Rate	Remarks
Maybank World Mastercard	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	SGD: 0.4 mpd FCY: 2.8 mpd	FCY: Min S$800 spend per c. month, otherwise 1.2 mpd.
Maybank Manchester United Card	SGD/FCY: 2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise)
Chocolate Visa Card	2 mpd	Card will not work for overseas charities. Max S$1K per c. month, 0.4 mpd after
Maybank Visa Infinite	SGD: 1.2 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month, otherwise 2 mpd
AMEX Centurion	SGD/FCY: 0.98 mpd
AMEX Platinum Charge	SGD/FCY: 0.78 mpd

Dining

Card	Earn Rate	Remarks
SCB Smart Card	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 & UOB Lady’s Solitaire	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	4 mpd	Cap S$1K per c. month. Must be online
KrisFlyer UOB Credit Card	3 mpd	Min S$800 spend on SIA Group transactions in a m. year

Education

Card	Earn Rate	Remarks
Maybank World Mastercard	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	SGD: 0.24 mpd FCY: 2.8 mpd	FCY: Min S$800 spend per c. month, otherwise 1.2 mpd.
Chocolate Visa Card	2 mpd	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	SGD: 1.4 mpd FCY: 2.4 mpd
UOB Privilege Banking Card	SGD: 1.2 mpd FCY: 2 mpd
Maybank Visa Infinite	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
SC Smart Card	Up to 9.28 mpd	Min. S$1.5K per s. month, no cap
Citi Rewards Card	4 mpd	Cap S$1K per s. month
DBS Woman’s World Card	4 mpd	Cap S$1.5K per c. month
C. month= Calendar month, S. month= Statement 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 & UOB Lady’s Solitaire	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	4 mpd	Cap S$1.5K per c. month
Citi Rewards Card	4 mpd	Cap S$1K per s. month
UOB Pref. Plat Visa	4 mpd	Cap S$1.1K per c. month
KrisFlyer UOB Credit Card	3 mpd	Min S$800 spend on SIA Group transactions in a m. year
SCB Journey	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 & UOB Lady’s Solitaire	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	4 mpd	Cap S$1.5K per c. month
Citi Rewards Card	4 mpd	Cap S$1K per s. month
HSBC Revolution	4 mpd	Cap S$1K per c. month. Must be online
KrisFlyer UOB Credit Card	3 mpd	Min S$800 spend on SIA Group transactions in a m. year
SCB Journey	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 & UOB Lady’s Solitaire	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
SCB Journey	3 mpd	Cap S$1K per s. month, must be online in SGD

Hospitals

Card	Earn Rate	Remarks
Chocolate Visa Card	2 mpd	Max S$1K per c. month, 0.4 mpd after
AMEX HighFlyer Card	1.8 mpd	Excludes public hospitals
Citi ULTIMA	1.6 mpd
AMEX Solitaire PPS Credit Card	1.3 mpd	Excludes public hospitals
AMEX PPS Credit Card	1.3 mpd	Excludes public hospitals
OCBC VOYAGE	1.3 mpd	Excludes public hospitals
OCBC Premier Visa Infinite	1.28 mpd	Excludes public hospitals
Maybank Visa Infinite	1.2 mpd
AMEX KrisFlyer Ascend	1.2 mpd	Excludes public hospitals
AMEX KrisFlyer Credit Card	1.1 mpd	Excludes public hospitals
AMEX Centurion	0.98 mpd	Excludes public hospitals
AMEX Platinum Charge	0.78 mpd	Excludes public hospitals
AMEX Platinum Reserve	0.69 mpd	Excludes public hospitals
AMEX Platinum Credit Card	0.69 mpd	Excludes public hospitals

Hotels

Card	Earn Rate	Remarks
Citi PremierMiles	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 & UOB Lady’s Solitaire	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	4 mpd	Cap S$1.5K per c. month. Must be online.
KrisFlyer UOB Credit Card	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)

Insurance Premiums

Card	Earn Rate	Remarks
Chocolate Visa Card	2 mpd	Max S$1K per c. month, 0.4 mpd after
Maybank Visa Infinite	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	1.2 mpd	Chubb only
AMEX KrisFlyer Credit Card	1.1 mpd	Chubb only

Kris+

Card	Earn Rate	Remarks
DBS Woman’s World Card	4 mpd	Max. S$1.5K per c. month
Citi Rewards + Amaze	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	3 mpd	No cap

Online Transactions

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

PayWave or Mobile Payments

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

Petrol

Card	Earn Rate	Remarks
UOB Lady’s Card & UOB Lady’s Solitaire	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	4 mpd	Min. S$1K max S$2K combined spending on petrol and local contactless spend per s. month
Maybank World Mastercard	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	6 mpd	For Watsons only, capped at S$1K per c. month till 30 Jun 25. 4 mpd for Guardian & Unity
HSBC Revolution	4 mpd	Cap S$1K per c. month, online only
UOB Lady’s Card & UOB Lady’s Solitaire	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	3 mpd	Min S$800 spend on SIA Group transactions in a m. year. Must be online

Public Transportation (SimplyGo)

Card	Earn Rate	Remarks
SCB Smart Card	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 & UOB Lady’s Solitaire	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	3 mpd	Min S$800 spend on SIA Group transactions in a m. year

Shopping

Card	Earn Rate	Remarks
AMEX Platinum Charge	7.8 mpd	On the first S$16K spent per calendar year at 10XCELERATOR merchants, 3.9 mpd afterwards
UOB Lady’s Card & UOB Lady’s Solitaire	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	4 mpd	Cap S$1K per c. month, online only. Selected MCCs
Citi Rewards	4 mpd	Cap S$1K per s. month. Selected MCCs
OCBC Rewards Card	4 mpd	Cap S$1.1K per c. month. Selected MCCs
AMEX Platinum Reserve	3.47 mpd	For 10Xcelerator merchants
AMEX Platinum Credit Card	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	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	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	2 mpd	Max S$1K per c. month, 0.4 mpd after
AMEX HighFlyer Card	1.8 mpd
AMEX KrisFlyer Ascend	1.2 mpd
AMEX KrisFlyer Credit Card	1.1 mpd

Utilities

Card	Earn Rate	Remarks
Chocolate Visa Card	2 mpd	Max S$1K per c. month, 0.4 mpd after
Maybank World Mastercard	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	SGD: 0.24 mpd FCY: 2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd.
Maybank Manchester United Card	SGD/FCY: 2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise)
Maybank Visa Infinite	SGD: 1.2 mpd FCY: 3.2 mpd	FCY: Min S$4K spend per c. month, otherwise 2 mpd