Best Cashback/Miles Cards to Use For Gyms and Fitness Memberships

Hitting the gym to get in shape? Use these cards so that your wallet doesn’t lose too much weight.

Cards that specifically include MCC 7997

Gyms and fitness memberships tend to code as Merchant Category Code (MCC) 7997. A few cards specifically support this MCC:

CardAdvertised Earn RateMonthly CapConditions
UOB EVOL10% cashback¹ S$20 cashback
(S$200 spend)💲 Minimum spend of S$800 per month
📋 Selected gyms only
Maybank Family and Friends8% cashbackS$25 cashback (S$312.50 spend) within category💲 Minimum spend of S$800 per month
📋 MCC 5655, 5940, 5941, 7032, 7941, 7992 and 7997
HSBC Revolution4 miles per dollar² 6,000 miles³
(S$1,500 spend)📲 Contactless or online payment³
📋 MCC 7997

UOB EVOL’s maximum effective earn rate is 6.25%

HSBC Revolution earns 3.33 miles per dollar for KrisFlyer

HSBC Revolution has increased spend cap and supports contactless payment for a limited time

Cards for general spending

Aside from the cards above, you should also be able to count on cards for general spending.

Make sure you meet the requirements in order to get the earn rate. For instance, Citi SMRT and DBS Woman’s World Mastercard require your gym membership to be paid online.

Note that while UOB Preferred Platinum Visa should have no issue getting 4 miles per dollar via mobile contactless payments at gyms, check that your gym’s MCC falls under its list of eligible transactions.

CardAdvertised Earn RateMonthly CapConditions
UOB EVOL10% cashback¹S$30 cashback
(S$300 spend) per category💲 Minimum spend of S$800 per month
📲 Local mobile contactless payment
OCBC FRANK8% cashback¹ S$25 cashback
(S$312.50 spend) per category💲 Minimum spend of S$800 per month
📲 Mobile contactless payment or app/online
DCS Flex6% cashbackS$25 cashback (S$416.67 spend) per category💲 Minimum spend of S$600 per month
📲 Contactless payment or app/online
Citi SMRT5% cashbackS$600 cashback annually
(S$12,000 spend)💲 Minimum spend of S$500 per month
🌐 For online transactions
❌ Travel excluded
UOB One3.33% cashback
(with bonus on selected partners)S$200 cashback quarterly
S$120 cashback per month for selected partners💲 Minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter

Maybank Platinum Visa3.33% cashbackQuarterly cap of S$30, S$100 or S$200💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter
SAFRA DBS3% cashbackS$50 cashback per month💲 Minimum spend of S$500 per month
📲 Contactless payment or app/online
UOB Preferred Platinum Visa4 miles per dollarS$1,110 spend
(S$600 per category from 1st October 2025)💲 Points awarded in blocks of S$5 spend
📲 Mobile contactless payment
🌐 App/online for selected MCCs only
UOB Visa Signature4 miles per dollarS$1,200 spend💲 Minimum spend of S$1,000 per month
📲 In-store contactless payment only
Citi Rewards4 miles per dollarS$1,000 spend📲 App or online, or in-person through Amaze with 1% fee
❌ Travel excluded
DBS Woman’s World Mastercard4 miles per dollarS$1,000 spend📲 App or online

Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.

Seth

MCC and recurring transactions by gym

Different gyms can have different MCCs, and some of their recurring transactions may not code as online transactions.

Based on some searching online, this is what I could gather (please note this is based on online anecdotes so it may not be 100% accurate):

GymMCCRecurring TransactionsAnytime Fitness7997Online ✔️Classpass5734?Fitness First7997Online ✔️Freedom Yoga7997?True Fitness7997Online ✔️Virgin Active7298Online ✔️

Do share data points in the comments or Telegram.

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