Pro-Tip: Top Up LiquidPay With Credit Cards Via Amaze [Nerfed]

Update: unfortunately, this no longer works as the MCC has changed to 6540. Congrats to those who managed to get their miles and cashback in time, and best stay subscribed so you don’t miss sensitive updates like this.

While it’s pretty nice to be able to pay hawker centres and earn card rewards again, another benefit to the newly revamped LiquidPay app is that you can simply top up the account balance and potentially get miles or cashback from your card.

This is being shared in some corners and back alleys of the interwebs (Liquid Group is probably already aware), so it’s obviously not going to be around for long. It’s therefore a good thing that you found this place in a timely manner because you are subscribed and left notifications turned on.

Top ups are possible via Amaze

LiquidPay’s wallet can only be topped up via PayNow or debit cards (with a 1% fee), but guess what codes as a debit card? Our favourite wallet app Instarem Amaze.

By linking your Mastercard credit card to Amaze and then using Amaze’s virtual card number, you can top up LiquidPay’s wallet balance while incurring a 1% fee 3.5% fee. Amaze itself charges 1% fee on the whole transaction (with a minimum of S$0.50, so transactions of S$50 or more are optimal), so the total cost will be 2.01% 4.54%.

Such transactions currently code as 5399, something you can see once the transaction is within your Amaze app.

Update: transactions have become 6540 so this no longer works

While many banks have excluded Amaze transactions from earning rewards, a couple of banks like Citibank and Maybank have not. Cards like Citi Rewards or Maybank XL should hence earn their rewards on such transactions, with the miles or cashback more than offsetting the fee. Update: MCC has changed

I can’t confirm whether any card really works – read on to find out why we don’t really have the luxury of time – but these are likely to be online transactions coded as 5399 (for now) so it should be relatively safe.

LiquidPay helpfully allows PayNow transfers from wallet balance

Wallet balances can be transferred via PayNow to other individuals or businesses, though there is a daily limit of S$1,000. There is an option within the app to change the limit, but it does not seem to work for now.

Both hawker QR payments and topping up are not long for this world

Unfortunately, I’ve heard that Liquid Group is moving to make some changes to LiquidPay, possibly hiking top-up fees significantly among other updates.

Like I mentioned in my article yesterday, hawker QR payments are also being looked at and it seems quite likely we won’t be able to pay for our chicken rice the way we can right now with LiquidPay.

In other words, whatever plans you have to perform – I would do it sooner rather than later. Stay subscribed to the Telegram or WhatsApp and leave notifications turned on or you might miss time-sensitive updates like this.

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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