LiquidPay Revives Credit Card Payments to Hawker NETS QR… For Now [Nerfed]
Update: unfortunately, Liquid Group will stop allowing payments to be made to hawker QR codes with LiquidPay from around 11PM, 23rd June 2026. However, top-up fees will be unchanged for the time being, which means the other way to earn rewards with LiquidPay still remains for now. Stay subscribed for updates.
Liquid Group, the company behind now defunct XNAP, has relaunched LiquidPay. LiquidPay V2 is supposed to make travel payments easy, letting people pay across different countries easily, but users have found something arguably more useful for Singaporean residents – LiquidPay V2 comes with the ability to make payments to NETS QR (widely used by hawker stalls) via a linked credit card.
This makes paying for hawker stalls with credit cards possible again… for now.
Earn cashback and miles for hawker stall payments again
I’ve tested a couple of transactions, and the payments went through successfully. The stall I patronised had a NETS payment terminal which printed the receipt as soon as I made the payment.
The Merchant Category Code (MCC) for such transactions is 5399 for Miscellaneous General Merchandise.
Not only is this MCC applicable for bonus rewards of many credit cards like DBS Woman’s World Mastercard or UOB EVOL, it is also whitelisted by cards like HSBC Revolution. This makes it possible for good amounts of cashback and miles to be earned on hawker stall payments while this lasts.
How to Use
- Sign up for LiquidPay account
- Go to Profile → Payment Methods → Add Card to add a credit card
- Use Scan & Pay and select your credit card as the payment source
There is no requirement to top up the account and this will work for NETS QR codes (see below for how to identify such QR codes) commonly found at hawker stalls.
Cards to Use
As an app payment, payments put through LiquidPay are likely going to be online transactions. It will also earn card rewards with cards that do not exclude MCC 5399, as well as those that specifically whitelist this particular MCC.
Below is a non-exhaustive list of cards that should work for LiquidPay transactions:
| Card | Advertised Earn Rate | Monthly Cap | Conditions | LiquidPay |
|---|---|---|---|---|
 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 | Should qualify as online payment |
 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 | Should qualify as online payment |
 Maybank Family & 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) | 1️⃣ Tier 1: min. spend of S$800 per month 2️⃣ Tier 2: min. spend of S$1,600 per month 💳 Online Shopping category selected | Should qualify under Shopping category |
 DBS LiveFresh | 6% cashback | S$50 cashback (S$877.19 spend) | 💲 Minimum spend of S$800 per month | 5399 is whitelisted |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online | Should qualify as online payment |
 Maybank XL Cashback | 5% cashback | S$80 cashback (S$1,600 spend) | 💲 Minimum spend of S$500 per month | 5399 is whitelisted |
 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 | Should qualify as online payment |
 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 | Should qualify for quarterly cashback |
 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 | Should qualify for quarterly cashback |
 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 | Should qualify under Online category |
 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 | Should qualify under Online category |
 Maybank XL Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 💲 Minimum spend of S$500 per month | 5399 is whitelisted |
 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) | Should qualify as online payment |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online | Should qualify as online payment |
 HSBC Revolution | Tier 1: 4 miles per dollar Tier 2: 8 miles per dollar | Tier 1: S$1,000 spend Tier 2: S$1,200 spend | 💰 Tier 2 requires S$50,000 MAB in HSBC EGA | 5399 is whitelisted |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Identifying NETS QR codes
Note that this payment will work for NETS QR codes only, which are found at many hawker stalls islandwide.
The QR payments situation in Singapore is pretty messy, with numerous wallet apps and varying types of QR codes. While SGQR tries to unify different wallet apps into a single QR code, it does not mean that every SGQR accepts every single wallet app. Refer to this article for how to identify “hawker QR codes”.
Will LiquidPay move to block it?
As far as I’ve heard, Liquid Group does not intend to support hawker stall or NETS QR payments as this is a loss-incurring endeavour. Hawker stalls incur little to no fees for such QR payments, but there are interchange fees to be paid when credit cards are used.
I’m therefore not optimistic such transactions will continue to be supported, but until anything else changes we finally have the ability to earn card rewards on hawker stall payments again.
App download
You can find LiquidPay on the App Store for iOS devices, or Google Play Store for Android devices.
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H/T: Weizheng Ong
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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