Guide: How to Convert Offline Spend to Online for More Rewards
There are quite a few cards like DBS Woman’s World Mastercard or Citi SMRT that give their bonus earn rates specifically on online spend, but they can still be very useful for in-person spend if you know how to convert offline spending into online transactions.
Here are several ways you can make use of your online spend cards for your in-person spending. Towards the end of the article, there is also a table of popular online cards and their compatibility with these methods.
Buy vouchers online and spend them in stores
One popular way is to buy vouchers online and use them for in-store purchases.
Common platforms that sell vouchers are HeyMax, ShopBack, and Wogi. Voucher purchases on these platforms should code as online transactions, though do note that some cards like HSBC Revolution and UOB Preferred Visa are more MCC-sensitive.
In particular, Wogi sells eCapitaVouchers which can be used at CapitaLand Malls across Singapore.
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Use Amaze
Instarem Amaze is a wallet app that allows you to add up to 5 different Mastercard credit cards to it, and make payments with the Amaze card. Transactions made on the card are charged to the underlying Mastercard, and such transactions count as online ones.
Unfortunately, it has been nerfed quite a lot over the years, and excluded by quite a few bank. Citi Rewards, however, is a notable card that still works with Amaze, albeit with a 1% fee (with a S$0.50 minimum per transaction) on local transactions. The combo still works great for overseas spend where there is no fee charged, and Amaze’s forex spread of around 2% is lower than the 3.25% Citibank charges.
Instarem Amaze
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💳 Features
- Save on forex fees (typically around 2% spread compared to credit card forex charges of more than 3%)
- Convert offline to online spending (for cards like Citi Rewards)
- Store and swap between 5 credit cards on one Amaze card
- Find out Merchant Category Code of transactions
Note that local transactions incur a 1% fee with a S$0.50 minimum per transaction.
For reference only; refer to exact details in terms and conditions
Pay within apps or websites
Payments through apps count as online transactions, and many physical retailers and restaurants these days accept app payments. Wallet apps like FavePay, Kris+, and ShopBack Pay should be fairly common, and some retailers also have their own app which may allow you to make in-app payments.
Restaurants sometimes also have QR menus where payments can be made, and such transactions will be online.
| App | Referral Code | Comments |
|---|---|---|
 Atome | – | 🎁 Earns Atome points 💳 See best cards for Atome 📲 Manually trigger subsequent payments to ensure that it is an online transaction |
 FavePay | FAVEJUNYI2 | 🎁 Merchant return cashback |
 Kris+ | W159000 | 🎁 KrisPay+ miles 💳 See best cards for Kris+ |
 ShopBack Pay | CsgtbD | 🎁 Merchant return cashback |
 Grab* | – | 🎁 Dining discounts |
*For Grab, I am referring to making payments within the app which are charged directly to a credit card. Topping up the Grab wallet does not get rewards (with the exception of UOB Absolute).
Online cards and compatibility
The following is based on personal experience as well as data points sourced from Telegram. Refer to each card’s terms and conditions for more info.
- 🟢 You shouldn’t have any issue using this card with this payment method
- 🟠 You need to note the MCC when it comes to using this card with this payment method
- 🔴 This pairing is known not to work
| Card | Atome |  HeyMax | ShopBack |  Wogi |  Amaze | FavePay | Kris+ | Grab |
|---|---|---|---|---|---|---|---|---|
 Citi Rewards (Mastercard) | 🟢 | 🟢 | 🟢 (Do not use Apple Pay) | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 |
 Citi SMRT | 🔴 | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 | 🟢 | 🟢 |
 DCS Flex | ❓ | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 | 🟢 | 🟢 |
 DBS Woman’s World Mastercard | 🟢 | 🟢 | 🟢 | 🟢 | 🔴 | 🔴 | 🟢 | 🟢 |
 HSBC Revolution | 🟢 | 🟢 | 🟠 | 🟢 | 🔴 | 🟠 | 🟠 | 🔴 |
 OCBC FRANK | ❓ | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 | 🟢 | 🟢 |
 UOB EVOL | 🔴 | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 | 🟢 | 🟢 |
 UOB Preferred Visa | 🔴 | 🟢 | 🟠 | 🟢 | 🔴 | 🟠 | 🟠 | 🟢 |
 KrisFlyer UOB | 🔴 | 🟢 | 🟢 | 🟢 | 🔴 | 🟢 | 🟢 | 🟢 |
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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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Does favepay work for u Seth? I just redownloaded it and couldn’t add any credit card, similar to the App Store comments 5 years ago..
Yes it still works for me