Best Credit Cards for Recurring Bill Payments in Singapore 2020

Up to 3.3%

Cashback on Utility Bills

Up to 3.3%

Cashback on Telco Bills

S$500

Min Spend per Month

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Bill Payment Features

Up to 3.3% cash rebate on all spend including recurring telco bills from Singtel, Starhub and M1
Up to 3.3% cash rebate when you pay your regular policy premiums from Prudential Insurance
To qualify, spend at least S$500 (min 5 card transactions) per each statement month for the quarter
Rebate capped at S$50/quarter for the above mentioned spending requirement.
Unlock cash rebate up to 5% on all spend (capped at S$300/quarter) with a min. spend of S$2,000 (min 5 card transactions) per each statement month for the quarter
Quarterly cash rebate for the first quarter may be awarded on a pro-rated basis. Bank Terms and Conditions apply
1 year annual fee waiver of S$192.60

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	1st supplementary card free; $96.30 for subsequent cards
Fee Waiver	Available
Minimum Monthly Repayment	3% of S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

OCBC 365 Credit Card

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

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Bill Payment Features

3% cashback on recurring bills from StarHub, Singtel, M1, MyRepublic, CirclesLife
3% cashback on recurring elecitrcity bills from Sembcorp Power, Senoko Energy and Keppel Electric
Rebates capped at S$80/month
2 years annual fee waiver of S$192.60/year

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

HSBC Advance Credit Card

1.5%

Cashback on Utility Bills

1.5%

Cashback on Telco Bills

S$0

Min Spend per Month

Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!

1.5%

Cashback on Utility Bills

1.5%

Cashback on Telco Bills

S$0

Min Spend per Month

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Bill Payment Features

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
HSBC Advance baking customers can enjoy up to 3.5% cash rebate on recurring bill payments
Cash back capped at S$70 per month for non-HSBC Advance banking customers
Cash back capped at S$120 per month for HSBC Advance banking customers
1 year annual fee waiver for non-HSBC Advance banking customers.
Perpetual card annual fee waiver for HSBC Advance banking customers

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

Popular Bill Payment Credit Cards

Get S$200 Cash via PayNow!

Citi PremierMiles Visa Card

S$1 = Up to 1.2 Miles

All Local Spend

30,000

Welcome Miles

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Jan 2020.

Get 40,000 Citi Miles when you apply, pay annual fee and spend min. S$9,000 for the first 3 months

S$1 = Up to 1.2 Miles

All Local Spend

30,000

Welcome Miles

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Jan 2020.

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Bill Payment Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$200 Gift
S$1 = Up to 1.5 Citi Miles on Bill Payments
*New* Earn miles when you pay your rent, education expenses, tax, electricity bills and condominium management fee via Citi PayAll
Citi Miles never expire, which means you accumulate miles from monthly recurring bill payments
A fee of 1.2% - 2% is charged per Citi PayAll transaction
Capped at S$30,000/month or 95% of existing credit limit, whichever is lower

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	Complimentary
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa, American Express
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

Get S$200 Cash via PayNow!

Citi Rewards Card

S$1 = 1 Point

Local Spend

10X Rewards

on Shoes + Bags + Clothes

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Jan 2020.

S$1 = 1 Point

Local Spend

10X Rewards

on Shoes + Bags + Clothes

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Jan 2020.

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Bill Payment Features

$1 = 1 Rewards Point
Earn rewards point when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App
A fee of 1.2% - 2% is charged per Citi PayAll transaction
Capped at S$30,000/month or 95% of existing credit limit, whichever is lower

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

POSB Everyday Card

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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Bill Payment Features

1% cash rebates on recurring SP Group utilities bills
1% cash rebates on monthly electricity bills from Best Electricity, Geneco, Ohm Energy, iSwitch, Tuas Power and Union Power
1% cash rebates on recurring Starhub mobile/ digital cable/ broadband bills and in-store purchases

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard Contactless
Wireless Payment	MasterCard Contactless

OCBC Cashflo Credit Card

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

More Details

Bill Payment Features

1% cash rebate with a monthly bill of S$1,000 and above
0.5% cash rebate with a monthly bill below S$1,000
Monthly bills are inclusive of telco, utilities, and hospital bills
Rebates capped at S$100/month
2 years annual fee waiver of S$160.50/year

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$161
Supplementary Annual Fee	$80.25
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay