Best Credit Cards For Gym Memberships in Singapore (2026)
Updated: 3 Mar 2026
Written bySingSaver Team
Team
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
Card | Hot Reward Pick | SingSaver Reward | Cashback/miles earn rate | Annual fee | ||
|---|---|---|---|---|---|---|
 | Maybank Family & Friends Card | - | - | 0.3 - 8 % | S$196.20 | |
 | HSBC Revolution Credit Card | - | - | 0.4 | No Annual Fee | |
 | UOB One Card | S$360 | 3.33 - 10 % | S$196.20 | ||
 | UOB PRVI Miles Visa Card | S$360 | 1.4 - 8 | S$261.60 | ||
 | UOB PRVI Miles American Express Card | S$360 | 1.4 - 8 | S$261.60 | ||
 | UOB PRVI Miles World MasterCard | S$360 | 1.4 - 8 | S$261.60 | ||
 | Citi PremierMiles Card | - | - | 1.2 - 10 | S$196.20 | |
 | DBS Altitude American Express Card | S$739 | 1.3 - 2.2 | S$196.20 | ||
 | DBS Altitude Visa Signature Card | S$739 | 1.3 - 2.2 | S$196.20 | ||
 | Citi Cash Back+ Card | - | - | 1.6 % | S$196.20 | |
 | American Express True Cashback Card | - | - | 1.5 - 3 % | S$174.40 |
What is the MCC for gym membership?
The MCC for gym memberships is coded as MCC 7997 (Clubs – Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses). You'll want to ensure that your credit card considers this as eligible spending before you start paying with it.
An MCC is basically a 4-digit number that credit card issuers use to classify a business and the type of services or goods it offers. It's also used to identify transactions made by consumers.
Knowing the MCCs can help you determine which credit card to use for a particular transaction, helping you to maximise your cashback, rewards, or miles.
But if you want to err on the side of caution, the next best bet is to opt for unlimited cashback cards to pay for gym memberships. They come with low minimum spends and typically don't have merchant category code (MCC) restrictions.
A popular choice for low spenders (< S$600 per month) is the Citi Cash Back+ Card, with 1.6% cashback and no spend requirements.
Gym MCC & recurring payment coding guide
Different gyms can be tagged under different merchant category codes (MCCs). Why does this matter? Because your cashback or miles card usually decides whether you earn bonus rewards based on the MCC.
Based on publicly available user reports and community data, here’s a general reference (actual coding may vary):
|
Fitness Provider |
Merchant Category Code (MCC) |
|
Anytime Fitness |
7997 |
|
Fitness First |
7997 |
|
True Fitness |
7997 |
|
BFT |
7997 |
|
Virgin Active |
7298 |
*Coding may differ depending on branch, payment channel and billing setup.
Cards that actively reward MCC 7997
In Singapore, MCC 7997 (country clubs, gyms, fitness memberships, and sports clubs) is generally considered standard retail spending.
That means it is not usually blacklisted like government payments (MCC 9399) or insurance premiums (MCC 6300).
So in most cases, you will still earn your base cashback or base miles.
However, earning base rewards is very different from earning bonus rewards.
Some cards simply treat gym spending as ordinary retail. Others specifically include MCC 7997 under bonus categories like “memberships”, “sports”, or “wellness”.
That’s where the difference can be significant.
While many cards will earn you regular rewards, the following cards go further and explicitly reward gym spending under MCC 7997.
HSBC Revolution Credit Card
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 10X Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Valid till 31 March 2026.
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases (valid till 31 Oct 2025). Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
Maybank Family & Friends Card
- Earn 8% cashback for 5 spend categories across 10 options.
- Get 8% cashback on Malaysian Ringgit (MYR) spend.
- Earn up to S$150 cashback every month.
- 8% cashback categories can be changes trimonthly or every 3 months.
- 0.3% cashback for AXS bill payments (capped at S$50).
- Accelerated cashback earn rate categories can be changed annually.
- 3-year annual fee waiver.
- No annual fee for supplementary card.
- 3 card designs to choose from upon application.
- Local spending rebate
- Annual Fee waiver
- Monthly cashback falls to 0.3% for spends below S$800.
- Rebate cap applied
- Monthly spend required
To debit or credit?
With the enticing rewards and rebates to be earned from using the right credit cards, there's little doubt that credit beats debit. This is in addition to fraud protection for credit cards, which is important, especially for overseas spend.
Did you also know that for wrong transactions/deductions, it is easier and quicker for the bank to roll back the transactions on credit cards but not for debit cards?
That said, be mindful that interest on late payment can quickly add up! Avoid credit card debt from spinning out of control by monitoring your card spending and pay your bill in full before each due date.
Methodology
-
Advertised cashback or miles earn rates
-
Minimum monthly spend requirements
-
Reward caps and bonus limits
-
Eligibility of gym-related spending under the bank’s stated terms and conditions
-
Payment method requirements, such as online or contactless transactions
-
Annual fees and fee waivers
-
Overall suitability for different spending levels
To create this guide, SingSaver’s editorial and research team conducted a comprehensive review of credit cards available in Singapore that may help consumers earn rewards on gym memberships and fitness-related spending.
Each card was evaluated based on factors such as:
We reviewed official bank websites, product terms and conditions, and promotional materials, and other publicly available offers. Where relevant, we also considered real-world user experiences and transaction coding data to better understand how gym memberships are typically categorised.
Because merchant category codes are assigned by the merchant’s acquiring bank, actual MCC classification may vary by outlet, branch, or payment method. Readers are encouraged to verify how their own gym transactions are coded before relying on bonus reward rates.
This article is intended for informational purposes only and does not constitute financial advice. Always review the latest card terms, including any SingSaver credit card promotion or DBS card promotion details, and assess whether a product fits your personal spending habits before applying.
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About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.
