Best Cashback/Miles Cards for Hospital and Polyclinic Bills
Getting ill is an unfortunate affair, and paying for the bills is salt on wound. Here are some cards that can lessen the sting with cashback or miles when we use them for hospital and polyclinic bills.
Merchant Category Codes (MCC) to note
When it comes to paying for healthcare bills, note that there are two MCCs to note: MCC 8062 which is typically what you’d get when you pay at the hospital, and MCC 9399 which is what you would get for paying via HealthHub.
| MCC 8062 | MCC 9399 |
|---|---|
| Paying at: Public hospitals Private hospitals Polyclinics | Paying via HealthHub |
| Best cards listed below | No exclusion cards only |
See this guide for how to check MCCs.
Latest update (circa June 2026 onwards): HealthHub transactions now code as 9399
Up until June 2026, DBS cards had been coding HealthHub transactions – at least those which are non-NUHS bills – as Medical Services and Health Practitioners (MCC 8099). According to various data points, this is no longer true for all healthcare providers – even non-NUHS ones.
According to various reports, all HealthHub transactions have been coding as 9399 since some time in June 2026.
You would thus have to use a “no exclusion card” if you wish to get rewards on HealthHub. Alternatively, try to pay at the hospital instead which should still code as 8062 which works for a few cards.
Paying at hospitals code as MCC 8062
Hospitals are typically coded with Merchant Category Code (MCC) 8062. This is a commonly exclusion for many credit cards, though a few still exist that can give some cashback or miles to lessen the sting and they are listed in this article.
There are also differences in earn rate (and forex fees) when you visit a local or overseas hospital, and this article takes that into mind too.
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Best Cashback Cards for MCC 8062
| Card | SGD Earn Rate | Foreign Currency Earn Rate¹ | Monthly Cap | Conditions |
|---|---|---|---|---|
 Maybank Platinum Visa | 3.33% cashback² | 3.33% cashback² | 30%² of S$90 / S$300 / S$600 cashback | 💲 Quarterly spend of S$300, S$1,000, or S$2,000 per calendar month (only 30%² eligible for hospitals) 🏥 Use at hospital (MCC 8062) ❌ Does not work with HealthHub (MCC 9399) |
 BOC NVMO | 3% cashback | 0.3% cashback | S$25 cashback (S$833.34 spend) | 💲 Min. spend of S$800 in billing month 🏥 Use at hospital (MCC 8062) ❌ Does not work with HealthHub (MCC 9399) |
 Amex True Cashback | 1.5% cashback | 1.5% cashback | Unlimited | 💳 Hospital must accept Amex 🏥 Use at hospital (MCC 8062) or HealthHub (MCC 9399) |
 Trust Cashback | 1% cashback | 0.5% cashback (no forex fee) | Unlimited | 🏥 Use at hospital (MCC 8062) ❌ Does not work with HealthHub (MCC 9399) |
 UOB Absolute | 0.3% cashback | 0.3% cashback | Unlimited | 💳 Hospital must accept Amex 🏥 Use at hospital (MCC 8062) or HealthHub (MCC 9399) |
 Maybank XL Cashback | 0.2% cashback | 5% cashback | S$80 cashback (S$1,600 spend) | 💲 Min. spend of S$500 in calendar month 🏥 Use at hospital (MCC 8062) ❌ Does not work with HealthHub (MCC 9399) |
- Foreign currency transaction fee applies (aside from Trust Cashback)
- Maybank Platinum Visa requires a quarterly spend of S$300, S$1,000, or S$2,000 per month for cashback, but limits the amount you can put on things like insurance premiums to just 30% of the monthly spend requirement
Best Miles Cards for MCC 8062
| Card | SGD Earn Rate | Foreign Currency Earn Rate¹ | Monthly Cap | Conditions |
|---|---|---|---|---|
 Maybank Visa Infinite | 1.2 miles per dollar | 2 miles per dollar 3.2 miles per dollar | Unlimited | 💲 Min. spend of S$4,000 for 3.2 miles per dollar ❌ Does not work with HealthHub (MCC 9399) |
 Maybank World Mastercard | 0.4 miles per dollar | 2.8 miles per dollar 3.2 miles per dollar | Unlimited | 💲Min. spend of S$800 for 2.8 miles per dollar 💲 Min. spend of S$4,000 for 2.8 miles per dollar ❌ Does not work with HealthHub (MCC 9399) |
 Maybank XL Rewards | 0.4 miles per dollar | 4 miles per dollar | S$1,000 spend | ❌ Does not work with HealthHub (MCC 9399) |
 Chocolate Card | 1 mile per dollar | 1 mile per dollar (no forex fee) | S$100 spend | 🗓️ S$100 spend cap based on calendar month |
American Express cards work for private hospitals
If you are paying for private hospitals, you have more choices in the form of American Express cards. Their terms and conditions specifically exclude only public/restructured healthcare institutions.
| Card | SGD Earn Rate | Foreign Currency Earn Rate¹ | Monthly Cap | Conditions |
|---|---|---|---|---|
Amex True Cashback | 1.5% cashback | 1.5% cashback | Unlimited | 💳 Public/private hospitals that accept Amex |
 Amex Highflyer | 1.2 miles per dollar | 1.2 miles per dollar | Unlimited | 💳 Private hospitals that accept Amex 💼 For business owners |
 Amex KrisFlyer Ascend | 1.2 miles per dollar | 1.2 miles per dollar | Unlimited | 💳 Private hospitals that accept Amex |
 Amex KrisFlyer | 1.1 miles per dollar | 1.1 miles per dollar | Unlimited | 💳 Private hospitals that accept Amex |
 Amex Platinum Charge | 0.78 miles per dollar | 2.2 miles per dollar (until 22nd February 2027) | 0.78 miles per dollar: unlimited 2.2 miles per dollar: S$15,000 spend | 💳 Private hospitals that accept Amex 📲 Registration required for 2.2 miles per dollar foreign currency spend promo |
 Amex Reserve | 0.69 miles per dollar | 0.69 miles per dollar | Unlimited | 💳 Private hospitals that accept Amex |
 Amex Platinum Credit | 0.69 miles per dollar | 0.69 miles per dollar | Unlimited | 💳 Private hospitals that accept Amex |
- Foreign currency transaction fee applies
Verdict
Given that there are quite a few different possibilities depending if you are visiting a restructured hospital or a private one, and whether the hospital is a local or overseas one, I’ve come up with the following summary tables for my best picks.
Local Hospitals
| I Want Cashback | I Want Miles | |
|---|---|---|
| Public Hospitals | 🧢 Bank of China NVMO ♾️ Amex True Cashback | ♾️ Maybank Visa Infinite |
| HealthHub | ♾️ Amex True Cashback | 🧢 Chocolate Card |
| Private Hospital | 🧢 Bank of China NVMO ♾️ Amex True Cashback | ♾️ Maybank Visa Infinite ♾️ Amex Cards |
♾️ = unlimited spend
Overseas Hospitals
| I Want Cashback | I Want Miles | |
|---|---|---|
| Overseas Public Hospitals | ♾️ Trust Cashback 🧢 Maybank XL Cashback | 🧢 Maybank XL Rewards ♾️ Maybank Visa Infinite ♾️ Maybank World Mastercard |
| Overseas Private Hospitals | ♾️ Trust Cashback 🧢 Maybank XL Cashback | 🧢 Maybank XL Rewards ♾️ Maybank Visa Infinite ♾️ Maybank World Mastercard ♾️ Amex Cards |
♾️ = unlimited spend
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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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