other MCC 5732, 5722 By Spiddy Ng

Best credit card for Challenger Singapore

Challenger electronics. MCC 5732 is in HSBC Revolution’s bonus retail electronics range. Citi apparel 10X does not cover electronics. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.

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

hsbc-revolution electronics bonus MCCs

Modelling assumptions

S$300 Challenger as electronics MCC 5732. HSBC bonus retail modelled. Citi at base points (not apparel/online 10X unless coded online retail).

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 Challenger

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles Merchant boost	4 mpd contactless/online bonus MCC (modelled)	1,200 est. miles ≈ S$16.80 rank value	Bonus points capped 9,000/mo (≈ S$1,000 bonus spend at 9 pts/S$)	Assumes contactless or online payment where the bonus programme requires it. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#2 UOBPRVI MilesVisa · MC UOB PRVI Miles Card Verified miles	1.4 mpd local SGD	420 est. miles ≈ S$5.88 rank value	No cap on base miles	Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#3 DBSAltitudeVisa DBS Altitude Card Partial data miles	1.3 mpd local SGD	390 est. miles ≈ S$5.46 rank value	No cap stated for base earn	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#4 DBSChromoVisa DBS Chromo Card Partial data miles	1.3 mpd (miles mode) / cashback mode varies by age	390 est. miles (miles mode) ≈ S$5.46 rank value	Miles mode uncapped; cashback mode has category caps	Partial card data — confirm current bank T&Cs. Cashback mode (age 21–29) can hit 5% on top categories with caps — not auto-selected here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#5 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles	1.2 mpd local SGD	360 est. miles ≈ S$5.04 rank value	Uncapped base miles (bank page)	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#6 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles	1.1 mpd general eligible	330 est. miles ≈ S$4.62 rank value	Uncapped (non-Grab)	Partial card data — confirm current bank T&Cs. Exclusion list not fully verified in our dataset. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#7 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback	1.5% unlimited eligible	S$4.50 est. cashback S$ ≈ S$4.50 rank value	Unlimited	Partial card data — confirm current bank T&Cs. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#8 UOBLady'sVisa UOB Lady's Card Verified miles	0.4 mpd base (not assumed preferred)	120 est. miles ≈ S$1.68 rank value	Preferred-category bonus not applied for this merchant	If you set Shopping (or another matching category) as preferred, earn may be higher — not auto-applied here. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#9 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback	0.5% other eligible (not a listed bonus merchant)	S$1.50 est. cashback S$ ≈ S$1.50 rank value	No cap	If total monthly eligible spend ≥ S$1,500, other eligible rises to 1%. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#10 CITIRewardsVisa Citi Rewards Card Partial data miles	1 Point/S$ (not in 10X MCC / online list for this merchant)	300 est. ThankYou Points ≈ S$1.20 rank value	Base uncapped	Partial card data — confirm current bank T&Cs. Illustrative S$0.004/point for ranking only. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#11 OCBC365Visa OCBC 365 Credit Card Partial data cashback	0.25%	S$0.75 est. cashback S$ ≈ S$0.75 rank value	—	Partial card data — confirm current bank T&Cs. Not in OCBC 365 bonus categories — 0.25%. Online shopping is not a 6% category. Assumes ≥ S$800 total monthly spend for bonus rates. Base exclusion MCC list still a gap. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#12 UOBOneVisa UOB One Card Verified cashback	No merchant additional % (quarterly tier separate)	S$0.00 est. additional cashback S$ ≈ S$0.00 rank value	Additional cashback capped S$120/statement month	Not a named UOB One additional merchant — quarterly cashback depends on total card spend, not modelled into this S$300 alone. Assumes Tier ≥ S$1,000/mo + ≥10 txns (additional rates). Source: bank T&Cs · last checked 2026-10-22	Card Apply

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