Best Credit Cards for Recurring Bill Payments in Singapore 2019

Updated November 2019

Pay your utility, telco or medical bill using credit cards and earn up to 5% cash rebate or air mile rewards. Compare and find the best credit cards for bill payments in Singapore.

Popular Bill Payment Credit Cards

Get S$200 Cash or Grab Codes!

Citi PremierMiles Visa Card

S$1 = Up to 1.5 Miles

All Local Spend

30,000

Welcome Miles

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.
  • 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 1.5 Miles

All Local Spend

30,000

Welcome Miles

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.

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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay

Get S$200 Cash or Grab Codes!

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 or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.

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 or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.

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
  • $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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay, Citi Pay
POSB Everyday Card

1%

Cashback on Utility Bills

1%

Cashback on Telco Bills

S$800

Min Spend per Month

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

1%

Cashback on Utility Bills

1%

Cashback on Telco Bills

S$800

Min Spend per Month

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

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 Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard Contactless
Wireless PaymentMasterCard Contactless
OCBC Cashflo Credit Card

1%

Cashback on Utility Bills

1%

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

1%

Cashback on Utility Bills

1%

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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 Rate26.88%
Principle Annual Fee$161
Supplementary Annual Fee$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
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