other MCC 4900 By Spiddy Ng

Best credit card for SP Group utilities Singapore

Singapore Power / SP Services utilities. MCC 4900 is on most bank exclusion lists. UOB One lists Singapore Power for additional 1% cashback — still subject to programme rules. 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; MCC 4900 often excluded; UOB One has a named SP boost — confirm current T&Cs.

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

uob-one Singapore Power additional 1%

Modelling assumptions

S$300 SP utilities bill. Cards with MCC 4900 in exclusions → no earn. UOB One Singapore Power additional 1% modelled when tier qualifies.

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 SP Group / utilities

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 UOBOneVisa UOB One Card Verified cashback Merchant boost	Additional 1% on this merchant	S$3.00 est. additional cashback S$ ≈ S$3.00 rank value	Additional cashback capped S$120/statement month	Assumes Tier ≥ S$1,000/mo + ≥10 txns (additional rates). Source: bank T&Cs · last checked 2026-10-22	Card Apply
#2 OCBC365Visa OCBC 365 Credit Card Partial data cashback	0.25% (if eligible)	S$0.75 est. cashback S$ ≈ S$0.75 rank value	—	Partial card data — confirm current bank T&Cs. OCBC exclusion list not fetched — utilities frequently excluded; 0.25% only if eligible. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#3 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles Excluded / check	Check exclusions — not modelled as earning	0 est. miles ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Amex exclusion list not fully in dataset (see go.amex/sgexclusions) — utilities often excluded. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#4 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#5 CITIRewardsVisa Citi Rewards Card Partial data miles Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#6 DBSAltitudeVisa DBS Altitude Card Partial data miles Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#7 DBSChromoVisa DBS Chromo Card Partial data cashback Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#8 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#9 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#10 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#11 UOBLady'sVisa UOB Lady's Card Verified miles Excluded / check	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	MCC 4900 (utilities) is on this card’s 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	Excluded (MCC 4900)	0 est. reward ≈ S$0.00 rank value	—	MCC 4900 (utilities) is on this card’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply

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