• Best Credit Card for Utility Bill Payment in Singapore is Rated as "Excellent!" by 11 Users

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    Most of us can’t get out of paying utility bills month-on-month. It is because it’s not really a luxury but a necessity. And these bills aren’t like our credit card bills where you’ll have to pay more money and you can continue using your credit card. If you start missing payments on your utility bills, you could lose the service altogether. Imagine living without your mobile or cable connection simply because you forgot to pay the bill.

    Here are some of the best utility bill payment credit cards that can make your life much more convenient and save you plenty in the process.

    Best Credit Card for Utility Bill Payment in Singapore

    1. UOB One Card

    2. You will earn cash rebate on your recurring bill payments every month of the quarter depending on your monthly spends by using UOB One Card.

      Let’s look at the pros of UOB One Card:

      • Cash rebate - You will earn cash rebate up to 5% on all your purchases including your recurring bill payments.
      • Bill payment convenient setup - The ‘UOB Bill Pay Service Form’ is available on the bank’s website. It’s a single form to pay your SingTel, M1, StarHub, Pacnet bills. All you have to do is download, fill this form and mail it to UOB and your bills will be automatically paid every month.

      Let’s look at the cons of UOB One Card:

      • Cash rebate criteria - You need to spend a minimum of S$2,000 every month on the quarter to earn 5% cash rebate. If you spend S$500 or S$1,000 per month per quarter, you will earn 3.33% cash rebate.
      • Minimum transaction requirement - You need to make a minimum of 5 transactions to qualify to earn cash rebate.
      • Cash rebate cap - If you spend S$500 per month per quarter, you will earn a maximum of S$50 per qualifying quarter. If you spend S$1,000 per month per quarter, you will earn a maximum of S$100 per qualifying quarter. If you spend S$2,000 per month per quarter, you will earn a maximum of S$300 per qualifying quarter.
    3. OCBC 365 Credit Card

    4. You will earn cashback throughout the year on your recurring telecommunication bills with OCBC 365 Credit Card.

      Let’s look at the pros of OCBC 365 Credit Card:

      • Cashback - You will earn 3% cashback on your recurring telecommunication bills on M1, StarHub and SingTel bill payments.
      • One-time registration for recurring bill payments - Download the relevant form from the bank’s website, fill it and mail it to the bank for ease of all future payments using your 365 Credit Card.

      Let’s look at the cons of OCBC 365 Credit Card:

      • Minimum spend requirement - You must spend at least S$600 per month to earn 3% cashback on your recurring bill payments. If you do not meet this requirement, you will get a flat cashback rate of 0.3%.
      • Cashback cap - Your cashback per month is capped S$80.
    5. POSB Everyday Credit Card

    6. Get cash rebate on all your recurring cable, broadband, digital bill payments as well as in-store purchases with POSB Everyday Credit Card.

      Let’s look at the pros of POSB Everyday Credit Card:

      • Cash rebate at SP Services - Enjoy 1% cash rebate on all your utility payments at SP Services.
      • Cash rebate at StarHub - Get 1% cash rebate on all your StarHub digital cable, mobile and broadband bills and purchase in stores.

      Let’s look at the cons of POSB Everyday Credit Card:

      • Cap on rebates - You will only earn 1% cash rebate on a maximum amount of S$100 spent on your recurring bill payments. You will not receive any rebates for payments exceeding S$100.
      • Authentication requirement - If you are making recurring payments on SP Services, cash rebate will only be awarded if the account is registered under the principal or supplementary POSB Credit Cardholder’s name.
    7. UOB Delight Card

    8. You will earn cash rebate on ALL your recurring bill payments from your SPH newspaper subscription to Town Councils to insurance and other telecommunication bills with UOB Delight Card.

      Let’s look at the pros of UOB Delight Card:

      • Cash rebate on recurring bills - Get 3% cash rebate per S$1 spent on all your recurring bills including SPH newspaper subscription, Town Councils, UOI, Prudential Insurance and telecommunication bills.
      • Cash rebate on NETS FlashPay Auto Top-Ups - Get 3% cash rebate per S$1 spent on FlashPay Auto Top-Ups.

      Let’s look at the cons of UOB Delight Card:

      • Minimum spend requirement - You need to spend at least S$400 per month to earn 3% cash rebate on your recurring bills and NETS FlashPay Auto Top-Ups. If you fail to spend the required transaction amount, you will receive a flat 0.3% cash rebate on your transactions.
      • Cap on cash rebate - Cash rebate are awarded in the form of SMART$. SMART$ are capped at 50 SMART$ per month on ALL transaction categories including utility bill payments.
    9. Citibank M1 Card

    10. If you have recurring bills from M1, earn Citi Rebate and complimentary perks for your video calls and mobile data with Citibank M1 Card.

      Let’s look at the pros of Citibank M1 Card:

      • Citi Rebate - Enjoy Citi Rebate up to 10% on your M1 recurring bill payments in the following way:
        • Up to 10% Citi Rebate on recurring M1 bills.
        • 1% Citi Rebate on making purchases at M1 shop.
      • Complimentary perks:
        • Get 3G Video calls per month worth S$5 each free for 3 months.
        • Get mobile data usage per month worth S$20 each free for 3 months.
        • M1 VASes registration fee waiver.
        • Data Passport activation fee waiver.
        • Free replacement of your SIM Card in case of loss or damage.
        • Up to 24 months of interest free installment payments for purchase of devices for your phone.
        • Discount of 10% on purchase of handset accessories.
        • Redeem your Citi Rebate to offset your M1 bills or for in-store purchases at M1.
        • Annual credit card fee perpetual waiver for Sunrisers.

      Let’s look at the cons of Citibank M1 Card:

      • Citi Rebate - Supplementary cardholders are not eligible to earn extra Citi Rebate.
      • M1 bill registration requirement - The M1 bill must be registered in your name to earn extra Citi Rebate. You will not earn extra rebate if the bills are not under your name even if you use your Citi Card to pay for them every month.
      • Interest-free installment requirement - You must spend a minimum of S$200 at M1 shops to convert your purchases into interest-free installment plans for up to 24 months.

    Compare Best Credit Cards for Utility Bill Payment in Singapore

    Here is a snapshot to compare some of the finest utility credit cards in Singapore:

    Credit Card

    Savings

    Earning Limit

    Minimum Spend Required

    Other Perks

    UOB One Card

    Utility bill savings up to 5%.

    S$50 per quarter if you spend at least S$500 per month.

    S$100 per quarter if you spend at least S$1,000 per month.

    S$300 per quarter if you spend at least S$2,000 per month.

    S$500 per month.

    Fuel savings up to 24%.

    Additional SMART$ Rebate (10%) at more than 400 participating merchants.

    Deposit interest rate of up to 3.33% on the UOB One Account.

    OCBC 365 Credit Card

    3% cashback on your recurring utility bill payments at SingTel, M1 and StarHub.

    S$240 per quarter.

    S$600 per month.

    Cashback of up to 6% on dining expenses.

    Cashback of 3% on online shopping expenses.

    Cashback of up to 6% on petrol expenses.

    Cashback of 3% across supermarkets in Singapore.

    Cashback of 0.3% on all other expenses.

    POSB Everyday Credit Card

    1% cash rebate on recurring utility bill payments from SP Services and StarHub.

    1% cash rebate on a maximum spend of S$100.

    No minimum spend requirement.

    Up to 14% cash rebate on dining expenses.

    Up to 20.1% savings at SPC on petrol expenses.

    5% cash rebate at Sheng Siong on grocery expenses.

    3% cash rebate at Watsons on personal care expenses.

    0.3% cash rebate on all other expenses.

    UOB Delight Credit Card

    3% cash rebate on your recurring bills from SPH newspaper subscription, Town Councils, UOI, Prudential Insurance and telecommunication bills.

    S$150

    S$400 per month.

    Cash rebate of up to 8% at Market Place, Jasons, Cold Storage, Guardian and Giant.

    10% discount at more than 4,000 house brands across Guardian, Giant and Cold Storage.

    0.3% cash rebate on all other expenses.

    Citibank M1 Card

    Citi rebate up to 10% on M1 recurring bills and M1 shop purchases.

    Not available

    Not available

    Data Passport activation fee waiver.

    M1 VASes registration fee waiver.

    3G Video calls per month worth S$5 each free for 3 months.

    Mobile data usage per month worth S$20 each free for 3 months.

    Discount of 10% on purchase of handset accessories at M1.

    How to choose the best credit card for utility bill payment

    ‘Best’ is a subjective term as what is best for one person may not be suitable for another. Hence, the ultimate decision will rest on you to pick a utility credit card that is best suited for bill payment. However, here are a few tips on how you can make this decision.

    • Most utility credit cards offer rebates, cashback, discounts and rewards on select telecommunications brands. The easiest way to decide is choosing one that offers such perks on the brand/s that you subscribe to.
    • After making this decision, weigh the options and see which one offers the highest perks at lowest cost (minimum spend requirement, annual fee, etc.).
    • Don’t just look at the utility bill perks offered but also take a glance at the additional perks on the card to make a more well-rounded decision and get the best use out of the card.
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