Best Credit Cards for Recurring Bill Payments in Singapore 2019

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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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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

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval!Valid till 31 Jul 2019.

1.5%

Cashback on Utility Bills

1.5%

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval!Valid till 31 Jul 2019.

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Bill Payment Features

1.5% cash back on recurring teclo and utility bill payments with no min. spend
2.5% Cash Back on on recurring teclo 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 Vouchers

Citi PremierMiles Visa Card

S$1 = 1.2 Miles

All Local Spend

30,000

Welcome Miles

S$192.6

Annual Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers. Claim Here.Valid till 31 Jul 2019.

Get 30,000 Citi Miles when you apply & spend

S$1 = 1.2 Miles

All Local Spend

30,000

Welcome Miles

S$192.6

Annual Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers. Claim Here.Valid till 31 Jul 2019.

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Bill Payment Features

S$1 = 1.2 Citi Miles on Bill Payments
*New* Earn miles when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App
Citi Miles never expire, which means you accumulate miles from monthly recurring bill payments
Register for PayAll service by simply filling up a form available on Citibank website
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 or 30k Points

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 vouchers OR 30,000 Citi ThankYou^SM Points! Applies to new to bank customers. Claim Here.Valid till 31 Jul 2019.

S$1 = 1 Point

Local Spend

10X Rewards

on Shoes + Bags + Clothes

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 vouchers OR 30,000 Citi ThankYou^SM Points! Applies to new to bank customers. Claim Here.Valid till 31 Jul 2019.

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Bill Payment Features

$1 = 1 Rewards Point
*New* 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
Register for PayAll service by simply filling up a form available on Citibank website
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$0

Min Spend per Month

Online Promotion: Enjoy S$120 cashbackValid till 30 Sep 2019.

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Enjoy S$120 cashbackValid till 30 Sep 2019.

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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% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard Contactless

OCBC Cashflo Credit Card

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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