Best Credit Cards for Car Rentals in Singapore (2026)
If you’ve rented a car in Singapore — Tribecar, GetGo, Shariot — the credit card you reach for first probably doesn’t earn the rewards you’d expect.
Here’s why. Most of these car-sharing services code as MCC 7512 (Auto Rentals — Not Elsewhere Classified).The problem is that MCC 7512 doesn’t fit neatly into either the “travel” bucket or the “online shopping” bucket on most cards.
This guide covers your full setup for Singapore-domestic car rentals only — miles cards, cashback cards, and a non-credit-card option. There is also a bonus hack at the end for those who want to stack one more layer of savings.
Quick Glossary (For Those New To Credit Cards)
- MCC — Merchant Category Code, a 4-digit code every merchant has. Banks decide bonus rewards by MCC, not by what you think you bought.
- mpd — miles per dollar.
- MCC 4121 — Taxicabs & Limousines.
- MCC 7512 — Auto Rental Agencies (Not Elsewhere Classified).
- Online flag — when a transaction is flagged as e-commerce. Some cards bonus by online flag rather than by MCC.
- Cap — the monthly spend ceiling for the bonus rate. Spend above the cap earns the base rate.
How to Check the MCC Before You Book
Before applying for a card or charging a rental, we need to confirm what MCC the merchant codes as. The MCC is typically the same across all banks for a given merchant. Once you have an idea of which MCC a merchant codes as, you can choose the right card with confidence. Here are two methods, in order of accuracy:
Method 1 — Check the MCC With a Temporarily Locked DBS Card
Before you start: In digibank, go to More → Manage Cards & Loans → Payment Controls. Select your DBS card, switch it off and tap Lock Now. Confirm it is locked, then attempt the payment through the rental app, website or counter you intend to use. The locked card should decline the payment. Different payment channels may have different MCCs.
The numbers below match the arrows in the screenshots.
1. Tap the chat icon to open digibot. It is at the top right of the digibank home screen.
2. Tap Check Recent Transactions. Authenticate if prompted.
3. Tap Credit Cards.
4. Find the DBS card you used and tap SELECT.
5. Tap View Transaction History.
6. Choose Declined Transactions for the failed payment. This is the option DBS specifies for declined payments.
7. Read the Merchant Category for your payment. In this example, it is LARGE DIGITAL GOODS MERCHANT. This is an example from another purchase, not a car-rental payment.
8. Open the Citibank MCC reference and find that category name. In this screenshot, it’s Digital Goods: Large Digital Goods Merchant.
9. Copy and paste to find the corresponding MCC code in the left column of the MCC reference file. 5818, the MCC for this example.
Check your payment’s code against your chosen card’s reward exclusions before paying with that card. You can unlock your DBS card in Payment Controls when you want to use it again.
Method 2 — HeyMax merchant lookup (less accurate, use as a starting point)
HeyMax has a free merchant search tool at heymax.ai. You will need to sign up for a free account before you can get access to the merchant search tool. When you sign up the account using code 43774BFE, you will also get 200 Max Miles when you sign up, verify your phone number and make your first voucher purchase. Now, to check the MCC, type the MCC to see the category. HeyMax pulls from its own dataset and is faster than digibot, but it’s less accurate — treat it as a starting point and confirm the answer with DBS digibot before relying on the bonus rate for big spend.
The SG Car-Share MCCs Given By HeyMax
- Tribecar = MCC 4121 (Taxicabs & Limousines). Treated as taxi spend, not car rental.
- GetGo = MCC 7512 (Auto Rental Agencies). Treated as car rental.
Best Cards for Tribecar (MCC 4121 — Taxi)
Tribecar is coded as MCC 4121 (Taxi) — the same MCC as Grab, TADA, and other ride-hailing services. See our Best Credit Cards for Grab & Ride-Hailing in Singapore (2026 Edition) for the full lineup.
Best Credit Cards for Grab & Ride-Hailing in Singapore (2026 Edition)
9 best credit cards for Grab, Gojek, TADA, and ride-hailing in Singapore. Compare miles vs cashback rates with MCC 4121 details — find the card that actually earns.
Read the full guide →
Best Cards for GetGo & Car Rentals Coded MCC 7512
| Card | Earn Rate | Cap | Min Spend | Best For |
|---|---|---|---|---|
 DBS Woman’s World MastercardApply | 4 mpd (online flag) | S$1,000/month | None | The most reliable 4 mpd option for GetGo — bypasses MCC 7512 via online flag |
 UOB EVOLApply | 10% cashback | S$30/month (= S$300 spend) | S$800/month | Small rentals that fit inside the S$300 online cap |
 HSBC AdvanceApply | 1.5% – 2.5% cashback | S$70/month | S$2,000/month for 2.5% | Fuss-free flat cashback with no category exclusions |
| 1 mile per S$1 | First S$1,000/month | None | Anyone without a credit card; no min spend, no MCC restrictions |
Include referral code “4377BFE” | 4 mpd + 3.7 Max Miles per S$1 | Card cap + S$30/voucher | Varies by card | The highest combined earn rate — for those willing to pre-buy vouchers |
HeyMax Voucher HackMiles Cards
1. DBS Woman’s World Mastercard — 4 mpd Online (S$1K cap)
DBS WWMC uses a blacklist approach — it bonuses any transaction flagged as online, regardless of MCC. GetGo charges through their app (online), so the 4 mpd online bonus typically applies.
Why I chose this card:
- Pair this with the DBS Altitude. Points from both cards pool into the same DBS Points balance, so you’ll hit the 5,000-point conversion block (= 10,000 miles) faster — instead of leaving small amounts stuck in your account unable to be converted.
- Open to all genders despite the name.
- S$1,000/month is the cap.
Note: The DBS Points from DBS Woman’s World Mastercard expire every year. This might not be good for those with relatively low online spending.
If you are new to DBS Credit cardholder, I would sign up for DBS Altitude card first to get the sign up bonus as DBS Woman’s World Mastercard typically has no sign up promotions. Since the miles on the DBS Altitude card does not expire and it gives two free airport lounge passes every year, this is a great general spending miles card to keep for all travellers.
Read more: DBS Woman’s World Card Review.
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.
Cashback Cards
1. UOB EVOL — 10% on SGD Online + Mobile Contactless (Capped at S$30/Month)
UOB EVOL gives 10% cashback on SGD transactions made online or via mobile contactless — categories broad enough that GetGo charges (online via the app) qualify even though the MCC is 7512. The catch isn’t the MCC; it’s the cap.
Why I chose this card:
- 10% cashback on SGD online + mobile contactless + overseas in-store.
- Online + mobile contactless cap: S$30/month — the bonus tops out at S$300 of qualifying spend (S$30 ÷ 10%).
- Minimum monthly spend: S$800 on eligible transactions. To get the bonus, you still need to keep spending on other categories after you hit the S$300 online cap.
- Total cashback cap: S$80/month with sub-caps (S$30 online, S$30 other, S$20 selected).
- Best if you already hit the S$800 minimum on other things and one rental fits inside the S$300 online window.
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
- 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.
2. HSBC Advance — 2.5% on Everything (3.5% for HSBC Banking Customers)
The simplest cashback option. HSBC Advance gives 2.5% cashback on retail spend (local and FCY) when you hit S$2,000 in monthly spend. Below the spend tier, you still earn 1.5% from the first dollar.
Why I chose this card:
- 1.5% cashback below S$2,000/month minimum.
- 2.5% at S$2,000+ minimum.
- Cashback capped at S$70/month.
- No category exclusions for MCC 7512.
Requirements (tap to expand)
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Activate your card and spend min. S$500 in qualifying posted retail purchases by the end of the calendar month after your card account is opened.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days after applying for the card to claim your gift, or you'll lose it.
- Apply through SingSaver as the main cardholder. Use the same name, mobile number and email address in your SingSaver and HSBC applications.
- Qualifying spend excludes foreign exchange and quasi-cash transactions; payments to financial institutions, brokerages and money-transfer services (including CardUp and iPayMy); prepaid card, voucher and e-wallet top-ups or credit purchases; AXS and ATM transactions; instalment amounts and certain instalment-plan purchases; balance transfers, cash advances, bank fees and charges; and unposted, cancelled, disputed or refunded transactions. See the linked terms for the full exclusions.
- Keep your card account in good standing until the reward is awarded. HSBC may forfeit or recover the reward if the card is closed or suspended before fulfilment, or if you cancel it within 12 months of account opening.
- You can receive only one gift across eligible HSBC cards in this promotion. This promotion cannot be combined with other offers unless the terms expressly allow it.
The HeyMax Voucher Hack — Higher Rewards, Higher Effort
Here’s the trick that gets you around the MCC 7512 exclusion on most cards: buy GetGo vouchers from HeyMax (S$30 denominations) and use them to pay for your rental. When you pay HeyMax for the voucher, your card sees a HeyMax purchase which is coded as 5311 (Department stores) so cards that recognise 5311 (Department Stores) will give bonus rewards.
On top of that, HeyMax adds 3.7 Max Miles per S$1 into your HeyMax account when you buy GetGo vouchers. Stacked with credit card miles, you can clear 6–8 mpd-equivalent on what would otherwise earn the base rate.
Caveat to test yourself: I haven’t fully confirmed how many vouchers can be stacked within a single GetGo trip, or whether GetGo redemption charges any service fee. Start with one S$30 voucher on a small rental to verify before scaling up.
How to Get Started with HeyMax
If you don’t have a HeyMax account yet, you can sign up via my referral link below and use code 43774BFE — you’ll get 200 Max Miles welcome bonus when you sign up, verify your phone number and make your first voucher purchase (S$5 Sheng Siong voucher works!)
43774BFE
- Download the HeyMax app from the App Store or Google Play
- Enter the referral code 43774BFE when prompted during sign-up
- Complete phone verification
- Make 1 confirmed transaction via HeyMax within 180 days of account creation
- Get 200 Max Miles as your sign-up reward
Best Cards to Buy HeyMax GetGo Vouchers
Because HeyMax purchases code as online & 5311 Department cards, the cards below all earn their full bonus when buying vouchers. Pick whichever you already use for online spend:
- HSBC Revolution — 4 mpd selected online & contactless (S$1,000/month cap).
- Citi Rewards Mastercard – we mentioned this above for direct Tribecar charges; here it works for HeyMax voucher purchases too
- DBS Woman’s World Mastercard — same 4 mpd online bonus (already covered above).
- UOB Lady’s Card (Fashion category) — HeyMax codes as a merchant that earns under Fashion in the Lady’s rotating category. 4 mpd up to S$1,000/month.
- Maybank Family & Friends Card — up to 8% cashback on selected categories. Must have chosen Fashion category.
- Citi SMRT Card — 5% cashback on online shopping when minimum spend is met.
Each of these caps and minimums applies as usual — the voucher hack doesn’t double your monthly cap, just lets you earn the bonus on car-rental spend you couldn’t otherwise with these cards.
Requirements (tap to expand)
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Activate your card and spend min. S$500 in qualifying posted retail purchases by the end of the calendar month after your card account is opened.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days after applying for the card to claim your gift, or you'll lose it.
- Apply through SingSaver as the main cardholder. Use the same name, mobile number and email address in your SingSaver and HSBC applications.
- Qualifying spend excludes foreign exchange and quasi-cash transactions; payments to financial institutions, brokerages and money-transfer services (including CardUp and iPayMy); prepaid card, voucher and e-wallet top-ups or credit purchases; AXS and ATM transactions; instalment amounts and certain instalment-plan purchases; balance transfers, cash advances, bank fees and charges; and unposted, cancelled, disputed or refunded transactions. See the linked terms for the full exclusions.
- Keep your card account in good standing until the reward is awarded. HSBC may forfeit or recover the reward if the card is closed or suspended before fulfilment, or if you cancel it within 12 months of account opening.
- You can receive only one gift across eligible HSBC cards in this promotion. This promotion cannot be combined with other offers unless the terms expressly allow it.
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Requirements (tap to expand)
- Open to Singapore residents.
- Apply through SingSaver as the main cardholder.
- New Citi main cardholders only: no existing Citi credit card, no Citi main card closed in the 12 months before the new account opens, and no pending Citi main card application. Holding a Citi Clear card, or having closed one in the past 12 months, does not disqualify you under this promotion.
- Have your application approved by the approval deadline stated in the campaign terms. Activate the card via the Citi Mobile App and spend S$500 in qualifying retail transactions within 30 days, including the account approval date.
- Complete the SingSaver Rewards Redemption Form within 14 days of applying. Select one gift; your selection cannot be changed after submission.
- Qualifying spend exclusions include instalment purchases and loans, refunded or disputed purchases, cash advances, quasi-cash transactions, balance transfers, fees, bill payments and Citi PayAll transactions without a service fee. Read the linked terms for the full exclusions.
- Keep the card valid and in good standing until gift fulfilment and retain it for 12 months from approval; otherwise the reward may be recovered.
- One reward per eligible new customer across eligible Citi cards, subject to availability. Paid gift upgrades are optional and replace the standard gift; see the terms for fees and conditions.
- For a PayNow cash reward, use the correct PayNow-linked mobile number in the redemption form. For Max Miles, create and maintain a HeyMax account and follow its redemption email.
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
- 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.
Requirements (tap to expand)
- 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
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- 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.
Non-Credit Card Option
Chocolate Visa Debit Card gives an easy 1 mile per dollar on your first S$1,000 for all online and offline spending. Whether you are using for Tribecar or Getgo, it will work.
Recommended Stack
If you mostly use Tribecar (MCC 4121)
- Use whatever card you’d use for taxi or grab rides.
- Citi Cashback for 8% if you can hit S$800 monthly spend.
If you mostly use GetGo,
- For miles: DBS Woman’s World Mastercard at 4 mpd online up to S$1,000/month. Apply for DBS Altitude first.
- For cashback (general use): HSBC Advance at 1.5% – 2.5%, no category caps to worry about.
- For cashback (small rental): UOB EVOL at 10% (S$300 cap)— only if your rental fits inside the small online cap.
- For miles without a credit card: Chocolate Visa Debit at 1 Max Mile per S$1.
For higher rewards (HeyMax voucher hack)
- Sign up for HeyMax with code 43774BFE for 200 Max Miles welcome bonus.
- Buy a S$30 GetGo voucher with HSBC Revolution, Citi Rewards, DBS WWMC, UOB Lady’s (Fashion), Maybank F&F, Citi SMRT, DBS Live Fresh, or OCBC FRANK.
- Stack 4 mpd / 8% cashback (via the card) + 3.7 Max Miles per S$1 (via HeyMax).
- Test with one S$30 voucher first to confirm GetGo’s acceptance and how many stack per trip.
Conclusion
Car rentals in Singapore are tricky to optimise — Tribecar codes as taxi (MCC 4121), GetGo as car rental (MCC 7512). So check the MCC before you apply for the card.
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I post daily updates on Telegram about cashback nerfs, miles updates, and new sign-up offers. Join my Telegram for daily updates.
