other MCC 6012, 6051, 8999 By Spiddy Ng

Best credit card for CardUp Singapore

CardUp (and similar bill-pay / pay-rent services) is treated as quasi-cash / money-transfer / excluded descriptor on many bank programmes. HSBC Revolution explicitly excludes CardUp and iPayMy-style transfers; UOB Lady’s lists IPAYMY*; DBS exclusion lists cover related financial MCCs. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.

Check before you swipe: High exclusion risk — many cards earn nothing here; Quasi-cash / bill-pay — usually excluded; Same caution for iPaymy.

Estimates only. We never invent rates — figures come from cards.json (dataset 2026-10-22). Affiliate links use rel="sponsored". See Disclosure and Methodology.

Named / MCC boosts we apply

No named merchant bonus in our verified set — category / base rates only.

Modelling assumptions

S$300 CardUp payment. Default: often excluded — do not use for rewards farming. iPaymy is the same risk class.

Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.

Ranked cards for CardUp

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#2 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#3 CITIRewardsVisa Citi Rewards Card Partial data miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#4 DBSAltitudeVisa DBS Altitude Card Partial data miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#5 DBSChromoVisa DBS Chromo Card Partial data cashback Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#6 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#7 OCBC365Visa OCBC 365 Credit Card Partial data cashback Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#8 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#9 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#10 UOBLady'sVisa UOB Lady's Card Verified miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#11 UOBOneVisa UOB One Card Verified cashback Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#12 UOBPRVI MilesVisa · MC UOB PRVI Miles Card Verified miles Excluded / check	Often excluded (bill-pay / quasi-cash)	0 est. reward ≈ S$0.00 rank value	—	CardUp / iPaymy-style bill-pay is treated as quasi-cash or excluded (HSBC lists CardUp/iPayMy; UOB Lady’s lists IPAYMY*; financial MCCs 6012/6051 common). Do not use this channel for rewards without checking your issuer’s current exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply

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