Best Cashback/Miles Cards to Use For Gyms and Fitness Memberships
Hitting the gym to get in shape? Use these cards so that your wallet doesn’t lose too much weight.
Cards that specifically include MCC 7997
Gyms and fitness memberships tend to code as Merchant Category Code (MCC) 7997. A few cards specifically support this MCC:
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 UOB EVOL | 10% cashback¹ | S$20 cashback (S$200 spend) | 💲 Minimum spend of S$800 per month ⚠️ Selected gyms only |
 Maybank Family and Friends | Tier 1: 6% cashback Tier 2: 8% cashback | Tier 1: S$20 cap (S$333.33 spend) Tier 2: S$30 cap (S$375 spend) | 💲 Minimum spend of S$800 per month 💳 Sports & Sports Apparel category selected 📋 MCC 5655, 5940, 5941, 7032, 7941, 7992 and 7997 |
 DBS Chromo | 5% cashback | S$37.5 cashback (S$750 spend) | 📋 MCC 7997 ⚠️ Selected gyms only |
 HSBC Revolution | Tier 1: 4 miles per dollar² Tier 2: 8 miles per dollar² | Tier 1: S$1,000 spend Tier 2: S$1,200 spend | 📲 Contactless or online payment 💰 Tier 2 requires S$50,000 MAB in HSBC EGA 📋 MCC 7997 |
- UOB EVOL’s maximum effective earn rate is 6.25%
- HSBC Points covert sub-optimally to KrisFlyer; see transfer partners
Cards for general spending
Aside from the cards above, you should also be able to count on cards for general spending.
Make sure you meet the requirements in order to get the earn rate. For instance, Citi SMRT and DBS Woman’s World Mastercard require your gym membership to be paid online.
Note that while UOB Preferred Platinum Visa should have no issue getting 4 miles per dollar via mobile contactless payments at gyms, check that your gym’s MCC falls under its list of eligible transactions.
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
UOB EVOL | 10% cashback¹ | S$30 cashback (S$300 spend) per category | 💲 Minimum spend of S$800 per month 📲 Local mobile contactless payment 🌐 App/online |
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 Citi SMRT | 5% cashback | S$600 cashback annually (S$12,000 spend) | 💲 Minimum spend of S$500 per month 🌐 App/online ❌ Travel and mobile wallet excluded |
 UOB One | 3.33% cashback (with bonus on selected partners) | S$200 cashback quarterly S$120 cashback per month for selected partners | 💲 Minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 🫡 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
 UOB Preferred Visa | 4 miles per dollar | S$600 spend per category (2,400 miles) | 💲 Points awarded in blocks of S$5 spend 📲 1st Category: mobile contactless payment 🌐 2nd Category App/online for selected MCCs only |
 UOB Visa Signature | 4 miles per dollar | S$1,200 spend (4,800 miles) | 💲 Minimum spend of S$1,000 per month 📲 1st Category: in-store contactless payment 💱 2nd Category: foreign currency |
 Citi Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online 💳 In-person through Amaze with 1% fee ❌ Travel and mobile wallet excluded (Apple Pay or Google Pay, even online ones, do not work) |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
MCC and recurring transactions by gym
Different gyms can have different MCCs, and some of their recurring transactions may not code as online transactions.
Based on some searching online, this is what I could gather (please note this is based on online anecdotes so it may not be 100% accurate):
| Gym | MCC | Recurring Transactions |
|---|---|---|
| Anytime Fitness | 7997 | Online ✔️ |
| Classpass | 5734 | ? |
| Fitness First | 7997 | Online ✔️ |
| Freedom Yoga | 7997 | ? |
| Virgin Active | 7298 | Online ✔️ |
Do share data points in the comments or Telegram.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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