Best Credit Card for Telco Bills (Singtel, Starhub, M1 & SIM Only Data Plans)

Singaporeans own 2 to 3 screens on the average. Of course, a mobile smartphone is a must. That means that virtually everyone pays telco bills, either to Singtel, Starhub, M1 or the new MVNOs. But you can be smart (MoneySmart!) about it. Charging your recurring telco bills to a suitable credit card can generate anywhere between 1.5% and 8% worth of cashback.

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Best Credit Cards for Paying Telco Bills (2024)

You're someone who doesn't want to blindly pay your telco bills month after month. You're thinking there must be a way to earn cashback or miles. You're right!

Standard Chartered Smart Credit Card Telco Bill Cashback

MoneySmart Exclusive
Up to 6% Cashback
MoneySmart Exclusive
Up to 6% Cashback

Standard Chartered Smart Credit Card

Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
6%*
Annual Fee
S$0
Minimum Spend
S$0

Get a Sony LinkBuds S Earbuds (worth S$309) or S$180 eCapita Vouchers or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 31 May 2024

HSBC Advance Credit Card Telco Bill Cashback

MoneySmart Exclusive
Earn up to 3.5% Cashback | Instant Activation*
MoneySmart Exclusive
Earn up to 3.5% Cashback | Instant Activation*

HSBC Advance Credit Card

Base Cashback
1.5%
Cashback when you spend more than S$2,000
2.5%
Bonus Cashback with HSBC Everyday+
1%

Earn 3,950 SmartPoints or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month. T&Cs apply.
 
Use 3,950 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$219 on top of your earned SmartPoints.

Valid until 31 May 2024

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

MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!

UOB One Card

Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
Up to 10%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS receive S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in May 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.

Valid until 31 May 2024

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

High Spend on Dining
High Spend on Dining

OCBC 365 Credit Card

Cashback on Everyday Dining
5%
with min. spend of $1,600 per month
Unlock up to $160 Cashback
with min. spend of $800 per month
$80 Cashback per month
The OCBC 365 offers 3% on recurring bill payments including telco and utility bills, but it gives 6% for everyday dining and online food delivery as well as 3% off local, overseas and online groceries. You also get petrol discounts at Caltex and Esso.

Maybank FC Barcelona Visa Signature Telco Bill Cashback

Online Promo
on All Local Spend
1.6% Unlimited Cashback
on Spend in Foreign Currency
S$1 = 2X Points
Min. Spend per month
S$0
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or 10,000 Bonus Air Miles*, or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 May 2024
For Maybank FC Barcelona, the cashback on telco payments is the same as all local spend at 1.6%. Although the cashback rate is low, the best part of the card is that there is no minimum spend and no cap, so you don’t need to think about how to spend the most money in the right categories to get the most cashback.

Best Credit Cards for Recurring Bill Payments (2024)

Credit Card Recurring Bill Payments Min spend
UOB One Up to 5% cash rebate on all spend including recurring telco and electricity, excluding town council and insurance premiums$500 / $1,000 / $2,000
UOB Delight 3% cash rebate on telcos, town council, Singapore Power, SPH, UOI insurance $800
OCBC 365 Credit Card 3% cashback on recurring bills from Starhub, Singtel, M1, Circles Life, MyRepublic 3% cashback on recurring electricity bills from electricity retailers 1.6% cashback on all local spend, no exceptions $800
Maybank FC Barcelona Visa Signature card 1.6% cashback on all local spend, excluding town council and insurance premiumsNone
HSBC Advance Credit Card 1.5% cash back on recurring telco and utility bill payments with no min. spend 2.5% Cash Back on on recurring telco and utility bill payments with $2,000 minimum spend per month Max 3.5%: Additional 1% for HSBC Advance banking customersNone

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.

Singtel, Starhub, M1 Bills

If you’re signed with any one of these companies, UOB One or UOB Delight suffices. Given up to 5% or 3.33% rebate (flat quarterly payout), these UOB cards are pretty good for paying your telco bills.

SIM Only Data Plan (Circles Life, My Republic) Bills

If you’re currently on a SIM Only Data Plan, you need a credit card that is a little more flexible. We recommend Maybank Friends & Family, OCBC 365 or HSBC Advance Credit Card.

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 like Citi One Bill and UOB Bill Pay, 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: UOB One, UOB Delight, HSBC Advance and Maybank Friends & Family Card. 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.