DBS Chromo Card Bonus MCC Categories
The DBS Chromo Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Local Miles (miles preference) — 1.3 MPD
Flat 1.3 MPD (3.25 DBS Points per S$5) on local SGD spend, uncapped, points never expire. Must be actively toggled in digibank — cashback is the default preference.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Local Miles (miles preference) | All | Any local merchant |
Tips to Maximize DBS Chromo Card Rewards
- Default preference is cashback — switch to miles in digibank; the preference in force on the 10th governs the previous month
- No miles on foreign-currency spend, but 0% FX and 0% DCC fees make it a decent travel companion
- Age 21-29 at application; after 30, cashback becomes 1.7% uncapped or miles stay 1.3 MPD
- Cashback track: 5% needs S$500 min spend, capped S$150/month
Frequently Asked Questions
Which MCCs are excluded from DBS Chromo?
Chromo duplicates the DBS rewards exclusion list in its T&C Table 2: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405, plus crypto/trading terms (COINBASE, OANDA, SAXO etc.) in Table 10.
Does DBS Chromo earn miles on overseas spend?
No. Foreign-currency transactions are excluded from rewards entirely — though they count toward the cashback min-spend. The trade-off is 0% FX and DCC fees.
What happens to DBS Chromo after I turn 30?
The card continues: the cashback preference becomes 1.7% uncapped from the 4th month after your birthday month, or keep the 1.3 MPD miles preference.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.