Best Credit Card for Telco Bills (Singtel, Starhub, M1 & SIM Only Data Plans) (2021)

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 (2021)

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!

Maybank Family & Friends Telco Bill Cashback

  • Cash Back on Groceries, Dining, Transport and Petrol in Singapore & Malaysia

  • Cash Rebate on Shopping and Data communication & online TV streaming

  • Cash Rebate Cap per month

Maybank Family & Friends offers the highest cashback off telco bill payments and Netflix subscription at 8%, and the minimum spend requirement is not too high at $800.

This 8% extends to groceries, dining, transport and petrol as well as retail shopping at Popular, Toys ‘R’ Us and Yamaha Music. If you don’t hit $800 but manage to spend $500, you get 5% cash back across the above mentioned categories.

UOB One Card Telco Bill Cashback

  • Cash Back on Grab

  • Cash Back Cap per quarter

  • Min. Spend per month

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%.

HSBC Advance Credit Card Telco Bill Cashback

  • Cash Back on All Spend

  • Cash Back Cap per month

  • Min. Spend per month

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.

MoneySmart Exclusive: Apply via MoneySmart and get a sign-up reward of a Samsonite T5 68cm Spinner or SGD$150 cashback. Plus, if you apply online via MyInfo via Singpass, you receive $20 worth of Grab rides.

UOB Delight Telco Bill Cashback

  • Cash Back at Selected Grocery Stores

  • Cash Back Cap per month

  • Min. Spend per month

UOB Delight offers 3% SMART$ rebate on Singapore Power and recurring bills for telcos, Prudential Insurance and United Overseas Insurance (UOI) premiums, town councils charges and SPH newspaper subscriptions (min spend $400 per month).

The minimum spend isn’t too stressful, and it also offers 3% SMART$ rebate on all Visa payWave purchases (contactless transactions), ERP fees, parking charges and public transport fares.

OCBC 365 Telco Bill Cashback

  • Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)

  • Cashback Cap per month

  • Min. Spend 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

  • Cash Rebate on All Local Spend

  • on Spend in Foreign Currency

  • Min. Spend per month

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 (2021)

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.