Best Credit Cards: Recurring Bill Payments

Pay your recurring electricity, utilities, telco and town council bills with these credit cards for rebates or rewards. Read More
We found 9 Credit Cards for you!
Citi PremierMiles Card + Citi Wealth First Account
MoneySmart Exclusive
BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY
on Foreign Currency Spend
S$1 = Up to 2 Miles
on your Citi Wealth First Account
Up to 7.51% Interest
Application Journey for the Bundle
Single

[TRIP.COM COUPON FLASH DEAL]
Get an additional S$80 Trip.com Coupons on to of an Apple 10.9-inch iPad 10th Gen WiFi 64GB (worth S$529), or a Sony HT-AX7 Portable Theatre System (worth S$769) or get up to S$530* when you spend a min. of S$500 within a month on your credit card and open your Citi Wealth First account! T&Cs apply.

Valid until 31 Jul 2024 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
REWARDS RUSH HOUR FLASH DEAL
Promotion ends in
All Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2 Miles
Annual Fee
S$194.40

[REWARDS RUSH HOUR | FASTEST GIFT FULFILMENT]
Get UPSIZED CASH REWARDS of S$430* or 5,100 SmartPoints + S$80 Trip.com Coupon, in as fast as 4 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
For a limited time, get additional Rewards Rush Hour gifts ON TOP of your baseline gift when you meet the flash deal criteria!

  • Apple Watch Series 9 (GPS), 41mm (worth S$604.50) or
  • Apple 10.9-inch iPad (10th Gen), 64GB (worth S$529) or
  • Sony PlayStation®5 (SLIM) Digital Edition (worth S$669)

 
Use 5,100 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$104 on top of your earned SmartPoints.

Valid until 23 Jul 2024 - See more details below
Apply Now
UOB One Card
MoneySmart Exclusive
LUCKY DRAW | Up to 10% Cashback
Cashback on Utility Bills
Up to 3.3%
Cashback on Telco Bills
Up to 3.3%
Min Spend per Month
S$500

[LUCKY DRAW]
Stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you apply and spend a min. of S$1,000 in Eligible Transactions each month for the first two consecutive months from the card approval date. T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in July 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 11 Aug 2024 - See more details below
Apply Now
POSB Everyday Card
Online Promo
Earn Cash Rebates that Never Expire
Cash rebates on selected Utilities provider
Up to 3%
Cash Rebate on selected Telco bills
Up to 3%
Min Spend per Month
S$800
Online Promo:
Get S$150 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Sep 2024 - See more details below
Apply Now
CIMB World Mastercard
Online Promo
Unlimited 2% Cashback
With CIMB 0% i.Pay Plan
0% Interest Instalments Payments
One Time Processing Fee
3% to 5%
Tenure
6 to 24 months
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
NTUC Link Credit Card by Trust
Online Promo
savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
Online Promo:
Get up to S$70 FairPrice E-Vouchers when you sign up with referral code <MONEYSMT>.  T&Cs apply. 
Valid until 30 Sep 2024 - See more details below
Read More
DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide
Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
Min. Spend per month
S$0
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 30 Sep 2024 - See more details below
Apply Now
OCBC 365 Credit Card
MoneySmart Exclusive
LUCKY DRAW | High Spend on Dining
Cashback on Utility Bills
3%
Cashback on Telco Bills
3%
Min Spend per Month
S$800

[LUCKY DRAW]
Stand a chance to win A Pair of Cat 1 Tickets to Jay Chou Carnival World Tour 2024 - Singapore (worth S$796) when you apply & submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024! No min spend required!
 
[MONEYSMART EXCLUSIVE GIFT]
Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 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 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 04 Aug 2024 - See more details below
Apply Now
OCBC Great Eastern Cashflo Credit Card
if monthly bill is above S$1,000
Up to 1.2% Cash Rebate
if your monthly bill is less than S$1,000
Up to 0.3% Cash Rebate
when you split your bills into 3, 6 or 12-month instalments
0% Interest
Read More

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Best Credit Card for Recurring Bills Singapore (2024)

A major part of adulting is to pay your own bills. After you land your first job, you may start to pay telco bills and insurance premiums. Then, when you own your first home, you take on more bills to pay for water, electricity, Wi-Fi, conservancy fees or MCST, etc, etc. Ugh, adulting is not fun. When it comes to recurring bills, the trick is to charge them to a good credit card for recurring bills. You won’t forget to pay them and you can even earn some cashback or miles to ease the pain. If you are looking for the best credit card for telco bills, do check out our article!

Credit CardRecurring Bill PaymentsMin spend
Maybank Friends & Family 5% / 8% off bills from Starhub, Singtel, M1, Circles Life, MyRepublic, Netflix, any other telecommunication or paid TV subscriptions $500 / $800
UOB One Up to 5% cash rebate on all spend including recurring telco and electricity. Excludes town council payments $500 / $1,000 / $2,000
UOB Delight 3% cash rebate on telcos, town council payments, Singapore Power, SPH, UOI insurance $800
OCBC 365 Credit Card3% cashback on recurring bills from Starhub, Singtel, M1, Circles Life, MyRepublic $800
Maybank FC Barca 1.6% cashback on all local spend, excluding insurance and town council payments None
POSB Everyday Card1% cash rebates on recurring Starhub mobile/ digital cable/ broadband bills and in-store purchasesNone

Which credit card should you use to pay recurring bills?

When thinking about the best credit card for paying recurring bills, you need to think about 3 things. Does the card cover all types of bills: telcos, electricity retailers, town council and subscriptions? How much cashback do you qualify for? If you already have a main card, what are some options without minimum spend that you can use to pay bills?

Almost all bills qualify

UOB Delight: 3% cash rebate on telcos, town council payments, Singapore Power, SPH, UOI insurance
Maybank FC Barcelona Visa Signature Card: 1.6% unlimited cash rebate on all local spend

Highest cashback

UOB One Card: Up to 5% (min spend $2,000 consistently in a quarter)
Maybank Friends and Family: 5% ($500 min spend) / 8% ($800 min spend)

No minimum spend

HSBC Advance: 1.5% to 3.5% cashback on telcos and utility bills
Citibank SMRT Card: 1% cash rebates on recurring telco bills, town council payments and insurance premiums paid through Citibank One Bill

UOB One Card

At first glance, the only feature that stands out for recurring bill payments is that UOB One Card offers up to 6% on SP utilities bills. But given that many Singaporeans have switched to electricity retailers by now, this isn’t that attractive.

UOB Delight

The UOB One Card is not the only card from UOB that offers rebates on recurring bills. UOB Delight offers 3% SMART$ rebate on Singapore Power and recurring bills for telcos, Prudential Insurance and United Overseas Insurance (UOI), Town Councils and SPH newspapers (min spend $400 per month). Fill up the UOB Bill Pay form to activate.

OCBC 365 Credit Card

OCBC 365 Credit Card offers 3% on recurring telco and electricity bills. The minimum spend for the card is $800, which is manageable if you charge everything to it.

Maybank FC Barca Card

If you’re not interested to play calculation games to maximise your credit card spend, the Maybank FC Barca card is an effortless card to own, offering 1.6% cashback on all local spending, no exceptions.

Maybank Family and Friends

After the terms and conditions were revised in 2019, the Maybank Family and Friends is a powerful card to own, offering cardholders up to 8% rebate on groceries, dining, transport and petrol, telco bills, Netflix subscriptions and other paid TV, Learning and Retail (Popular, Toys R Us, Yamaha Music). All other purchases outside of these categories earn you 0.3% cash rebates.

How do you set up recurring bill payments?

Setting up recurring bill payments is easy to do. Some banks have a one-stop bill payment service that you can use to fill up information on all your bills, such as UOB Bill Pay and Citibank One Bill. You need to download and print the relevant service forms, fill up the necessary with legible handwriting and mail it back via Business Reply Service.
For Town Council, download the Recurring Credit Card Payment Scheme Form from your respective town council’s website to activate recurring monthly payments via Visa or MasterCard. You simply have to print, fill up and send it over to your town council.
Organisations like electricity retailers and MVNOs usually already obtain your credit card details at the point of sign-up, so the bill payments would automatically recur every month.
So, take some time to list down all the bills that you currently pay for and figure out a way to automate them through recurring bill payments. Don’t put it off!