Online shopping is the catch-all category for most SG e-commerce spend (Lazada, Shopee, Amazon SG, Qoo10, plus direct merchant websites). The qualifying MCC is typically 5942 (Books / Catalog Mail Order) or 5969 (Direct Marketing). Several SG cards target this MCC with elevated tiers — fixed-rate cards cap around S$25-30/cycle while selectable-category cards stretch higher if you commit Online Shopping as your locked tier.
HSBC
8 mpd (20 RP per S$1) on Eligible Transactions for HSBC Everyday Global accountholders with ≥ S$50K balance (Mar 2026 restoration per Milelion 2026 strategy). Categories and S$1,000 cap mirror hsbc-11-bonus-1; relationship gate enforced by engine filterRatesMapByRelationship — rate is dropped when userProfile.bank_relationships doesn't include 'hsbc_ega_50k'.
Trust
Applies only to ONE category you select (locked per quarter). Requires S$2,000/mo eligible spend to unlock.
15% on user-selected preferred category at S$2,000/month min for 3 consecutive months. Quarterly cap S$250 (~S$83/cycle). Quarterly category lockup. From 1 Mar 2026: $1k/10% tier removed.
DBS
10X DBS Points per S$5 on online spend (local & overseas), capped at first S$1,000/mo of online spend. Covers online merchants — air tickets, hotels, Atome, Kris+, etc. Catalog category list reflects the actual reach so the engine matches direct category queries.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — free5942 (Books / Mail Order), 5969 (Direct Marketing), and 5300 (Wholesale Clubs) are the main qualifying MCCs. Some banks broaden the definition to include any transaction processed without a physical card swipe.
On most cards, yes — streaming subscriptions bill under 5815 or 4899 which the online-shopping bonus categories typically include. A few cards explicitly carve subscriptions out (DBS Live Fresh excludes recurring billing). Read the rate row.
OCBC FRANK caps at S$25/cycle (cap_unit cashback, ~S$310 eligible spend). UOB EVOL caps Local Online + Mobile Contactless combined at S$30/mo. HSBC Revolution caps the 4 mpd tier at S$1,000/mo (then drops to base). Plan large purchases around the cap-reset date.