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

Apply directly on MoneySmart

Cashback on Utility Bills

Cashback on Telco Bills

S$800

Min Spend per Month

More Details

Apply directly on MoneySmart

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 Astra 55cm luggage (worth S$350) OR S$120 Cash Back + 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 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

Free S$200 Vouchers

Citi PremierMiles Visa Card

S$1 = 1.2 Miles

All Local Spend

30,000

Welcome Miles

S$192.6

Annual Fee

Apply directly on MoneySmart

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers. Valid till 30 Apr 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. Valid till 30 Apr 2019.

More Details

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Bill Payment Features

S$1 = 1.2 Citi Miles on Bill Payments
Pay your education, tuition, and rent with Citibank PayAll
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

Free S$200 Vouchers

Citi Rewards Card

S$1 = 1 Point

Local Spend

10X Rewards

on Shoes + Bags + Clothes

S$192.60

Annual Fee

Apply directly on MoneySmart

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers. Valid till 30 Apr 2019.

S$1 = 1 Point

Local Spend

10X Rewards

on Shoes + Bags + Clothes

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers. Valid till 30 Apr 2019.

More Details

Apply directly on MoneySmart

Bill Payment Features

$1 = 1 Rewards Point
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
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

DBS Altitude Visa Signature Card

S$1 = 1.2 Miles

All Local Spend

10,000 Miles

Bonus Miles

S$192.60

Annual Fee

Get up to 38,000 Miles

S$1 = 1.2 Miles

All Local Spend

10,000 Miles

Bonus Miles

S$192.60

Annual Fee

More Details

Bill Payment Features

Enjoy up to 3 miles/S$1 on all Bill Payments
Log in to your DBS digibank to add a recurring bill payment arrangement for utilities, insurance, telcos, and town councils
Utilities: iSwitch, SP Group; Insurance: MSIG, Prudential; Town Councils: Ang Mo Kio, Holland-Bukit Panjang, Tg. Pagar, Tampines, and more

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
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	Visa, American Express
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

POSB Everyday Card

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Enjoy up to S$120 cashback

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

More Details

Bill Payment Features

1% cashback on recurring SP Group utilities
1% cashback on monthly bills from Best Electricity, Geneco, Ohm Energy, iSwitch, Tuas Power, and Union Power.
1% cashback on recurring Starhub mobile/digital cable/broadband bills and instore purchases
3% on medical spend for existing POSB Smiley Child Development Account Trustees
Rebates capped at S$50/month
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	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% or $80, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

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

OCBC Cashflo Credit Card

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

Apply directly on MoneySmart

Cashback on Utility Bills

Cashback on Telco Bills

S$0

Min Spend per Month

More Details

Apply directly on MoneySmart

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