Credit Card Rewards Reference Table

[iadpotato]

Very soon 8099 will be excluded, along with the entire MCC series of 80XX for anything medical related. People just never learn.

 

[Layers]

Very soon 8099 will be excluded, along with the entire MCC series of 80XX for anything medical related. People just never learn.

what happened?

 

[Layers]

anyway to ask the DBS bot for mcc code? it only tell me the category. oh is there a way to check the mcc from am reference table?

 

[Trazora]

anyway to ask the DBS bot for mcc code? it only tell me the category. oh is there a way to check the mcc from am reference table?

can google for the mcc number using the category?

 

[Layers]

can google for the mcc number using the category?

found some here

https://blog.moneysmart.sg/credit-cards/mcc-codes-singapore/

 

[Coffeelix]

Credit Card Rewards Reference Table

This is a continuation from the previous thread as thread starter has been AFK for a while.

This is a reference for everyone who wants to make the best use of credit cards. It lists the amount of points earned for different merchants. List will mature as more and more users contribute.

It's currently a first draft, primitive yet functional. It's currently not shared for editing yet, hope to hear comments and constructive criticizms on how it can be improved. If moderators can sticky this thread, it will be great. Will be updated frequently.

If possible, discussion in this thread should be limited on how to improve the table or add additional credit card master threads. For discussion on the specific credit card, please go to their respective threads below. This is so we can keep the thread history.

UPDATE: Now open for crowdsourcing!

DBS Woman's Mastercard
UOB Preferred Platinum Visa
Citibank Citi Rewards
Citibank PremierMiles

Hsbc?

 

[londonbowler]

DBS phone customer service informed me that I would not get rewards for paying at a doctor's office using a DBS credit card, even though the office was not located inside a hospital. I informed them the terms and conditions specifically say hospital, not any doctor's office and not any medical related bill.

Who is right?

 

[xsoldix]

DBS phone customer service informed me that I would not get rewards for paying at a doctor's office using a DBS credit card, even though the office was not located inside a hospital. I informed them the terms and conditions specifically say hospital, not any doctor's office and not any medical related bill.

Who is right?

It basically works by MCC code from the payment points.
A doc can work anywhere but if the payment is coded as excluded MCC, you get no points.

 

[reddevil0728]

DBS phone customer service informed me that I would not get rewards for paying at a doctor's office using a DBS credit card, even though the office was not located inside a hospital. I informed them the terms and conditions specifically say hospital, not any doctor's office and not any medical related bill.

Who is right?

physical location doesn't matter. is about what they are classified to be in the payment system.

t&cs listing of hospital is just general guidance

 

[sglandscape]

DBS phone customer service informed me that I would not get rewards for paying at a doctor's office using a DBS credit card, even though the office was not located inside a hospital. I informed them the terms and conditions specifically say hospital, not any doctor's office and not any medical related bill.

Who is right?

"who is right" may not be the best way to think about it.

There are many sites dedicated to hunting down the MCC to ensure they get the cashback or miles for rewards. Otherwise, a flat out cashback card like Amex TCB is preferred.

 

[londonbowler]

physical location doesn't matter. is about what they are classified to be in the payment system.

t&cs listing of hospital is just general guidance

this is not possible. T&C is a legal document, it cannot exclude what it does not say. if it's not a hospital how can i be excluded?

 

[londonbowler]

"who is right" may not be the best way to think about it.

There are many sites dedicated to hunting down the MCC to ensure they get the cashback or miles for rewards. Otherwise, a flat out cashback card like Amex TCB is preferred.

is a bill from a doctor's office that is not under the hospital MCC excluded from DBS credit cards, where the T&C only states that "hospitals" are excluded?

to clarify the question.

 

[sglandscape]

is a bill from a doctor's office that is not under the hospital MCC excluded from DBS credit cards, where the T&C only states that "hospitals" are excluded?

to clarify the question.

it doesn't matter. If your doctor clinic is tagged as a hospital MCC when their merchant acquiring bank assigned it in that manner, it would be deemed as a hospital for purposes of cashback.

The clinic should know best actually (if they are savvy).

 

[yiron]

this is not possible. T&C is a legal document, it cannot exclude what it does not say. if it's not a hospital how can i be excluded?

DBS does state in its T&C that it goes by MCC. So it boils down to whether the doctor payment was classified under an excluded MCC e.g. 8062-Hospitals.

The main business activity and any transaction performed at a merchant are classified under a Merchant Category Code (“MCC”) assigned by the association scheme and determined by the merchant and the merchant’s acquiring bank. The main business activity and the assigned MCC of a merchant is not determined by DBS. If any transaction is not classified under a relevant MCC, such transactions will not be considered as part of the Minimum Spend Requirement or be eligible to earn Cashback.

 

[reddevil0728]

this is not possible. T&C is a legal document, it cannot exclude what it does not say. if it's not a hospital how can i be excluded?

if you think there is a breach of contract, then i recommend you see legal advice and possible sue them. that's your best course of action.

no amount of argument here can make a difference for what has happened to you.

 

[londonbowler]

if you think there is a breach of contract, then i recommend you see legal advice and possible sue them. that's your best course of action.

no amount of argument here can make a difference for what has happened to you.

@reddevil0728 where did you get your information that "hospitals" in the DBS credit cards is just a general term that DBS can interpret to mean other things?

And why are you saying to sue a bank instead of reporting them to their regulator, MAS?

 

[londonbowler]

DBS does state in its T&C that it goes by MCC. So it boils down to whether the doctor payment was classified under an excluded MCC e.g. 8062-Hospitals.

The main business activity and any transaction performed at a merchant are classified under a Merchant Category Code (“MCC”) assigned by the association scheme and determined by the merchant and the merchant’s acquiring bank. The main business activity and the assigned MCC of a merchant is not determined by DBS. If any transaction is not classified under a relevant MCC, such transactions will not be considered as part of the Minimum Spend Requirement or be eligible to earn Cashback.

You're correct and DBS customer service actually gave incorrect information.

Source: Transaction showed up on my card, and DBS website chatbot shows that the doctor transaction generated reward points.

 

[londonbowler]

it doesn't matter. If your doctor clinic is tagged as a hospital MCC when their merchant acquiring bank assigned it in that manner, it would be deemed as a hospital for purposes of cashback.

The clinic should know best actually (if they are savvy).

A doctor clinic that is not located anywhere near a hospital is unlikely to have a hospital MCC, and most small clinic staff will not even know what a MCC is and would not have been the person involved in setting up the POS.

 

[reddevil0728]

@reddevil0728 where did you get your information that "hospitals" in the DBS credit cards is just a general term that DBS can interpret to mean other things?

I’m seeing a liner that says it is a non exhaustive list. Did you miss it?

And why are you saying to sue a bank instead of reporting them to their regulator, MAS?

If you think reporting to MAS will make a difference you can go ahead.

You're correct and DBS customer service actually gave incorrect information.

Source: Transaction showed up on my card, and DBS website chatbot shows that the doctor transaction generated reward points.

Ok so what’s the issue now?

A doctor clinic that is not located anywhere near a hospital is unlikely to have a hospital MCC, and most small clinic staff will not even know what a MCC is and would not have been the person involved in setting up the POS.

Ok. So what’s the issue here?

 

[xsoldix]

Not sure about the law or sue or if there is a case here...
but i want to see the industry improve by giving customers more info for better informed decision...

If a MCC code is required by payment point, at least display it at the merchant clearly so that we know if it is excluded for points/rewards/cashback or not.

Many things can be done here to protect consumer's rights lo... all like turning a blind eye..
so can understand how frustrating it is for us.