Why Trust MoneySmart?Choosing the best credit card for gym spending in Singapore depends on whether you prefer earning miles, cashback, or bonus points on your regular fitness-related spend. Most major banks reward gym and fitness centre payments (often coded under MCC 7997) made through online or contactless payment modes.
In this guide, we compare top cards for their value on gym memberships, highlighting both cashback and miles-earning options.
Top credit cards for gym memberships on MoneySmart:
HSBC Revolution Credit Card
Earn up to 20X Reward points per dollar on contactless and online spending (equivalent to up to 8 miles per dollar), including recurring memberships like gyms and fitness centres.
No annual fee and no minimum spend.
Flexible rewards redemption—including miles, cashback, vouchers, and more.
Ideal for those who pay by mobile wallets or online portals.
UOB EVOL Card
Get 10% cashback on selected gym, telco and streaming spend; gym charges must be paid via approved online or mobile contactless payments.
$800 minimum monthly spend required to unlock 10% rate; otherwise base cashback of 0.3% applies.
Up to $20/month cashback cap (within a total $100 cap for all eligible spend).
Annual fee waived if you make 3 purchases per month for 12 months.
Citi Rewards Credit Card
Earn 10X rewards points (up to 4 miles per S$1) on eligible online spend, including recurring or in-app gym payments if charged online.
Ideal for those who prefer versatile rewards that can be used for shopping, dining, or travel.
Annual fee waived first year; base cashback applies after reaching the monthly rewards cap.
DBS Woman's World Card
Earn 10X DBS Points (4 miles per S$1) on online transactions, including online gym payments and fitness subscriptions.
First-year annual fee waiver; minimum annual income is $80,000.
Bonus points are capped, so plan your online spend for maximum benefit.
Key considerations
Payment method matters: You typically need to pay by online or mobile contactless for your gym spend to qualify for bonus rewards or cashback.
Minimum monthly spend: For many cashback cards, like UOB EVOL, hitting the required minimum (often $800/month) is essential to unlock higher rates.
Gym-specific promotions: Some banks may offer direct discounts or limited-time perks with selected gym chains—always check current offers.
Category rewards cap: Many rewards are subject to monthly caps per category or card. Plan major purchases for best value.
💡 Want to earn while you spend? |
Explore MoneySmart's cashback credit cards to find the best rate for the way you spend. |
