Best Credit Card for EV Charging – Lobang Sis Guide
As electric vehicle (EV) adoption in Singapore continues to rise, more drivers are looking for ways to maximize their rewards at charging stations. Whether you’re topping up at a standalone EV charger or plugging in at a petrol station, using the best credit card for EV charging can help you earn miles or cashback every time.
For more credit card, check out our homepage.
What MCC Does EV Charging Fall Under?
Before picking the right card, it’s essential to understand how EV charging payments are categorized:
MCC | Description | Common EV Charging |
5552 | EV Charging Stations | ¹Charge+, ¹SP Group, MNL, ChargEco, CDG Engie, Kigo, ²Volt |
5541 | Petrol Stations | Shell Recharge |
5511 | Automobile & Truck Dealers | ³Juice+ |
4789 | Transportation Services Not Elsewhere Classified | ²Volt |
Disclaimer: EV charging transactions may be coded under different MCCs depending on the charging provider or bank. Please double-check.
- ¹Charge+ and SP Group have been reported to code under MCC 4900 (Utilities) also.
- ²Volt may be classified under MCC 5552 or 4789.
- ³Juice+ has been reported under MCC 7523 (Parking Lots & Garages) also
General Cards to Use
These cards must be online payment (MCC 5552, MCC 4789, MCC 5511)
- While these cards don’t explicitly list EV charging as a bonus category, they reward online spending regardless of the MCC, except those in exclusion list. Example, if Charge+ and SP Group are under MCC4900, this is typically under general exclusion list for most credit cards. Since EV charging payments are typically made through apps, the transactions are processed as online purchases—making them eligible for rewards. For Shell, you might need to use app to pay, if that is possible.
Credit Cards | Earn Rate | Minimum Spend & Cap | Merchants | Notes |
Citi Rewards | 4 miles per dollar | No min spend; spend capped at S$1,000 | Charge+, SP Group, *Volt, Juice+, etc | * Volt might be under MCC 5552 or 4789—if it’s 4789, avoid using Citi Rewards as it’s excluded |
DBS Woman’s World Card | 4 miles per dollar | No min spend; spend capped at S$1,500 (S$1,000 wef 1 Aug 2025) | ||
UOB Evol | 10% cashback | S$800 per statement month | ||
DCS Flex | 6% cash rebates | S$600 per statement month; capped at S$25 per category |
ENDING TODAY
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries + styles in one pass
25,000 Max Miles by HeyMax
Worth S$600
Convert to airline miles or retail vouchers with HeyMax
Galaxy Buds 4 Pro + S$150 eCapitaVoucher
Worth S$499
Wireless earbuds + shop at CapitaLand malls
S$400 Cash via PayNow
No bank details needed
S$450 Grab Voucher
No bank details needed
Ends today
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
Why pick this card
10X DBS Points (4 mpd) on all online spending (cap S$1,000/month).
Requirements (tap to expand)
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- This is a timed flash deal. Only the FIRST person to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
No FX fees + up to 10% cashback on online/mobile spend + gym, telco & streaming (S$800 min). Pairs with UOB One Account.
Why pick this card
Earn up to 8% cash rebates, 2.4 miles per dollar, or 8% investment credits.
Cards That Explicitly Reward EV Charging
- Here are some cards that explicitly includes EV charging on their list of eligible categories for rewards:
Credit Cards | Earn Rate | Minimum Spend & Cap | Merchants | Notes |
DBS yuu | up to 18% cashback | S$600 per calendar month; spend capped at S$600 | Charge+ only | not available on AMEX version |
Maybank Family & Friends | 8% cashback | S$800 per calendar month; capped at S$25 per category | MCC 5552 & 5541 (Bluecharge, Shell Recharge, Virta EV Charging) | Must choose Transport Category |
OCBC 365 | 3% cashback | S$800/S$1,600 per calendar month; capped at S$80/S$160 | MCC 5552 (SP Digital, Greenlots, CDG ENGIE and City Energy) | |
DCS V2 | 5% cashback | S$600 per statement month; capped at S$90 | MCC 5541 & 5552 (Shell Recharge, Charge+, Volt, etc.) | |
Standard Chartered Smart Card | up to 10% cashback | S$800 per statement month | MCC 5552 (Charge+, ChargEco, CDG Engie, etc.) | until 31 December 2025 only |
ENDING TODAY
🎁 Choose 1 Gift
Selection form emailed after application
Dyson TP10
Retail S$599
Tower fan + air purifier
Galaxy Buds4 Pro + S$100 eCapitaVoucher
Worth S$449
Wireless earbuds + shop at CapitaLand malls
20,000 MaxMiles by HeyMax
Worth S$360
Convert to airline miles or retail vouchers with HeyMax
S$340 eCapitaVoucher
Shop at CapitaLand malls
S$300 Cash via PayNow
No bank details needed
Ends today
Requirements (tap to expand)
- You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Up to 18% cashback or 10 mpd at yuu merchants (Cold Storage, Giant, Guardian, Foodpanda, Gojek). Must spend at 4 different merchants monthly.
ENDS 30 JUN 2026 · 58 DAYS LEFT
🎁 Exclusive Sign-up Gift
Only applicable for new-to-bank card applicants
Samsonite RESTACKD Spinner 68/25 EXP + 2 packing cubes
Worth S$520
Lightweight (3.3kg), expandable, matte scratch-resistant
Valid till 30 Jun 2026
Requirements (tap to expand)
- ONLY APPLICABLE FOR NEW-TO-BANK CARD APPLICANTS
- Apply for a new Maybank Credit Card (not applicable for Maybank XL cards)
- Charge min. S$1,300 within the first 2 months of card approval
- Fill the Google Form after signing up
- Alternative: apply for CreditAble + a Maybank Credit Card, then charge min. S$1,200 within 2 months
Why pick this card
Up to 8% cashback on 5 chosen categories (from 10 options).
ENDING TODAY
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries + styles in one pass
Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle
Worth S$529
Wireless earbuds + shop at CapitaLand malls
S$400 Cash via PayNow
No bank details needed
25,000 MaxMiles by HeyMax
Worth S$600 in travel value
Convert to airline miles or retail vouchers with HeyMax
Ends today
Requirements (tap to expand)
- You qualify if: you have no OCBC credit card right now
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
6% petrol, 5% dining, 3% groceries etc. Stacks with OCBC 360 Account.
Why pick this card
Reward points on selected spend, redeemable as statement credit.
Cards to Use for MCC 5541 (Petrol Stations)
- Shell Recharge transactions in are typically coded under MCC 5541 (Petrol Stations). Since this isn’t classified under the newer EV Charging MCC (5552), it’s important to use cards that explicitly rewards on petrol. The following cards are well-suited for this, either through cashback or miles, as long as the correct bonus category is selected and any minimum spend requirements are met.
Credit Cards | Earn Rate | Minimum Spend & Cap | Merchants | Notes |
UOB Lady’s | 4 miles per dollar | No min spend; spend capped at S$1,000 (Classic), S$2,000 (Solitaire – S$750 per category wef 1 Aug 2025) | Shell Recharge | must choose Transport Category may get extra 2 miles per dollar with UOB lady’s savings (check calculator to see if it’s worthwhile for you) |
Maybank Family & Friends | 8% cashback | S$800 per calendar month; capped at S$25 per category | Must choose Transport Category | |
DCS V2 | 5% cashback | S$600 per statement month; capped at S$90 | ||
UOB One | up to 5% cashback (3.33% base cashback + 1.67% cashback on shell transactions) or up to 4.33% cashback (3.33% base cashback + 1.% cashback on SP transactions) | S$2,000 (only valid on Tier 3) or S$600 per statement month | Shell Recharge or SP Group |
Requirements (tap to expand)
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- This is a timed flash deal. Only the FIRST person to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
4 mpd on your chosen category. Bonus 2-6 mpd when paired with UOB Lady's Savings Account.
ENDS 30 JUN 2026 · 58 DAYS LEFT
🎁 Exclusive Sign-up Gift
Only applicable for new-to-bank card applicants
Samsonite RESTACKD Spinner 68/25 EXP + 2 packing cubes
Worth S$520
Lightweight (3.3kg), expandable, matte scratch-resistant
Valid till 30 Jun 2026
Requirements (tap to expand)
- ONLY APPLICABLE FOR NEW-TO-BANK CARD APPLICANTS
- Apply for a new Maybank Credit Card (not applicable for Maybank XL cards)
- Charge min. S$1,300 within the first 2 months of card approval
- Fill the Google Form after signing up
- Alternative: apply for CreditAble + a Maybank Credit Card, then charge min. S$1,200 within 2 months
Why pick this card
Up to 8% cashback on 5 chosen categories (from 10 options).
Requirements (tap to expand)
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- This is a timed flash deal. Only the FIRST person to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
3.33% base cashback + up to 6.67% bonus on Grab, Shopee, SP Utilities, McD & SimplyGo. Requires consecutive monthly spend.
Conclusion:
Understanding the Merchant Category Codes (MCCs) is crucial: most EV charging providers fall under MCC 5552, others can fall under MCC 5511 and 4789; while Shell Recharge or petrol station based EV Chargers is typically under MCC 5541. So the best thing to do is to make sure to check the individual card’s terms and conditions as well as the eligible MCCs it rewards.
Ultimately, by pairing your charging habits with the right card strategy, you can earn meaningful cashback or miles—turning this new category into real rewards.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
