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Gift card platform Wogi has resumed selling eCapitaVouchers (ECVs) in denominations from S$5 to S$250, after a long hiatus. Although they aren’t discounted, this development excites miles chasers as it allows creative spending strategies: converting offline purchases into online spend, bypassing MCC restrictions, splitting large payments across multiple cards, and avoiding surcharges.
Purchases through Wogi code as MCC 5947 (Card, Gift, Novelty or Souvenir Shops), a rewards-friendly category that earns 4 miles per dollar (mpd) on popular cards like Citi Rewards, DBS Woman’s World, HSBC Revolution, and UOB Preferred Platinum Visa. Each CapitaStar account can store up to S$1,000 at a time, though balances can be redeemed and reloaded in cycles. ECVs are valid for one year.
Practical uses include:
Offline to online spend: maximise bonus caps by using ECVs instead of spending directly at physical stores.
MCC converter: earn rewards even at excluded merchants (e.g. tuition centres, hairdressers).
Splitting transactions: large purchases like laptops can be broken into smaller voucher buys, staying within card bonus caps.
Avoiding surcharges: some merchants levy credit card fees, which can be sidestepped via ECV redemption.
Caveats: purchases may require validation and take up to two working days. A workaround is to buy a WOGIflex gift card, which converts into Wogi balance. Buying directly via CapitaStar app codes as MCC 6540 (rewards-ineligible), though Citi Mastercard holders can currently earn a S$10 bonus with every S$100 spend, capped until 7 October 2025.
Giftano also sells ECVs (MCC 5999) but charges a S$5 fee per S$100. Overall, Wogi’s return of eCapitaVouchers offers significant flexibility for optimising miles.
Opinion:
Good news.
Finally something positive for credit cards after recent flurry of bad ones.
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