DBS Vantage Visa Infinite Bonus MCC Categories
The DBS Vantage Visa Infinite 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. Foreign Currency Spend — 2.2 MPD
FCY-posted transactions earn 2.2 MPD (DCC treated as local). Local SGD spend earns 1.5 MPD — dropping to 1.4 MPD from 2 Nov 2026.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency Spend | All | Overseas retailers, Overseas dining, Travel spend |
Tips to Maximize DBS Vantage Visa Infinite Rewards
- Local earn rate cut from 1.5 to 1.4 MPD effective 2 Nov 2026
- DBS Points expire after 3 years (unlike Altitude/Chromo)
- The S$60k-spend renewal fee waiver ceased 1 Aug 2026 — first-year S$599.50 is non-waivable
- Includes ALL Accor+ Explorer (2 free nights) and 10 Priority Pass visits/year
Frequently Asked Questions
Which MCCs are excluded from DBS Vantage?
Vantage T&C clause 7 incorporates the DBS Rewards Programme T&C clause 2.8 exclusion table: 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.
What income do I need for DBS Vantage?
S$120,000 annual income (S$30,000 for DBS Treasures/Privilege/Private clients), age 21-75.
Can DBS Vantage earn cashback instead of miles?
Yes — toggle once per calendar month in digibank (1 point = S$0.02). The preference in force on the 10th of the following month governs the prior month's spend.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.