Best Credit Card for Telco Bills (Singtel, Starhub, M1 & SIM Only Data Plans)
Best Credit Cards for Paying Telco Bills (2026)
Check out these credit cards for paying telco bills
Citi Rewards Telco Bill Rebates
Citi Rewards Card
- on Online Grocery, Food Delivery, Ride-Hailing
- S$1= 10X Points
- for in-store shopping purchases at Department Store, Clothing Stores
- S$1= 10X Points
- for all other purchases
- S$1= 1X Point
Apply and spend S$500 within 30 days to choose your reward: UPSIZED S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
These are all incredible rewards are right at your fingertips, just waiting to be unlocked!
Standard Chartered Smart Credit Card Telco Bill Cashback
Standard Chartered Smart Credit Card
- on spends above S$1,500 on Bonus Categories
- 10% Bonus Cashback
- on spends above S$800 on Bonus Categories
- 8% Bonus Cashback
- on eligible spends below S$800
- 0.5% Cashback
HSBC Advance Credit Card Telco Bill Cashback
HSBC Advance Credit Card
- Base Cashback
- 1.5%
- Cashback when you spend more than S$2,000
- 2.5%
- Cashback Cap per month
- S$70
Get S$400 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
For HSBC Advance Credit Card, you can get a maximum cashback of 3.5% if you are also an HSBC Advance Banking customer and consistently spend $2,000 a month.
UOB One Card Telco Bill Cashback
UOB One Card
- cashback on daily spend at McDonald's, Grab, SimplyGo & Shopee
- Up to 10%
- cashback at all grocery spend
- Up to 8%
- cashback cap a year
- Up to S$2,240
UOB One Card offers up to 5% cash rebate on all spend (with some exclusions) if you can spend a minimum of $2,000 every month consistently. This “up to 5%” is actually a flat quarterly rebate based on minimum spending. Telcos and SPH subscriptions qualify.
Spend $500 or $1,000 every month in the quarter earns you $50 and $100 rebate respectively, which translates to up to 3.33%.
OCBC 365 Telco Bill Cashback
OCBC 365 Credit Card
- Cashback on Fuel Spends
- 6%
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
Get $250 Cash or 3,900 SmartPoints (enough to redeem an Apple AirPods Pro 3 worth S$349) when you apply and spend a min. of S$400 within 30 days! T&Cs apply.
Maybank FC Barcelona Visa Signature Telco Bill Cashback
- on Local Spend
- 1.6% Unlimited Cashback
- on Spend in Foreign Currency
- 1.6% Unlimited Cashback
- Min. Spend per month
- S$0
Best Credit Cards for Recurring Bill Payments (2026)
| Credit Card | Recurring Bill Payments | Min spend |
|---|---|---|
| Credit Card Maybank Family & Friends Card | Recurring Bill Payments Up to 8% cashback on mobile and home internet plans | Min spend None |
| Credit Card UOB One | Recurring Bill Payments Up to 4.3% cash rebate on SP Power utilities bill | Min spend $500 - $2,000 |
| Credit Card OCBC 365 Credit Card | Recurring Bill Payments 3% cashback on recurring bills from 3% cashback on recurring bills from StarHub, Singtel, M1, MyRepublic, CirclesLife, as well as recurring electricity bills (Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power) | Min spend $800 |
| Credit Card Maybank FC Barcelona Visa Signature card | Recurring Bill Payments 1.6% cashback on all local spend, excluding town council and insurance premiums | Min spend None |
| Credit Card HSBC Advance Credit Card | Recurring Bill Payments 1.5% cash back on recurring telco and utility bill payments | Min spend None |
How do you choose a good credit card for telco bills?
Generally, there are two types of credit cards that are suited for paying telco bills. The first type only rewards you for the incumbent companies: Starhub, Singtel and M1. The second covers other SIM Only Data Plans. Usually, the higher the minimum spend, the higher the cashback. Maybank Friends & Family Card offers you up to 8% off recurring bills from Starhub, Singtel, M1, Circles Life and MyRepublic if you spend a minimum of $800. It’s 5% cashback if you only hit $500. OCBC 365’s minimum spend is $800 and it offers 3% off telco, utility and electricity bills. HSBC Advance gives you 1.5% cashback on your telco bills with no minimum spend. It’s suitable for cardholders who already use a powerful catch-all credit card that excludes bill payments.
Exclusive: Most Popular Credit Cards in Singapore
Frequently Asked Questions
How can I use credit card to pay my phone bills?
- You can use your credit card to pay your phone telco bills (Singtel, M1 or Starhub) by setting up a recurring payment. Either do it from the bank side using a bill payment service or download the recurring credit card payment form from your telcos. If you have already input your billing details when signing up for a plan from a digital MNVO like Circles Life or MyRepublic, the charges are automatically charged to your credit card.
Which credit card is best for paying bills?
- Some of the best credit cards for paying bills overall are: Maybank Friends & Family Card, OCBC 365 and HSBC Advance. Of course, you need to know whether the card suits your lifestyle by checking out the different spend categories they reward you for as well as each card's minimum spending requirement.
Is it better to pay telco bills with credit or debit?
- When you use a debit card, you are paying from your savings balance. This makes it easy to budget and you won't get into credit card debt. On the downside, debit cards generally don't reward you for spending. Of the few debit cards that offer cashback, telco bills do not qualify. So, our recommendation is to use a credit card if you are disciplined about usage as you get cashback.
