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
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We found 12 Credit Cards for you!
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Citi PremierMiles Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT
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Citi PremierMiles Card

All Local Spend
S$1 = 1.2 miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2.2 miles
Annual Fee
S$196.20

Get UPSIZED S$378 Cash or 5,040 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 11,180 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 15 Jan 2025 - See more details below
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UOB One Card
MoneySmart Exclusive
UPSIZED CASHBACK | Up to 20% Cashback!

UOB One Card

Cashback on Singapore Power Utility Bills
Up to 4.33%
Cashback on Telco Bills
Up to 3.3%
Min Spend per Month
S$500

MoneySmart Exclusive: Get S$88 Cash via PayNow when you apply, spend a min. of S$1,000 within the first month! T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints, which you can use to redeem an Apple 10.9-inch iPad 10th Gen Wi-Fi (64GB) (worth S$499) from our Rewards Store today!
 
UOB Online Promotion: Enjoy up to 20% cashback on daily favourites like: Shopee, Grab, McDonald's, SimplyGo & DFI Retail Group, when you are a new-to-UOB credit card customer and meet the relevant minimum spend criteria! T&Cs apply.

Valid until 22 Jan 2025 - See more details below
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Citi PremierMiles Card + Citi Wealth First Account
MoneySmart Exclusive
BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY

Citi PremierMiles Card + Citi Wealth First Account

on Foreign Currency Spend
S$1 = Up to 2.2 Miles
on your Citi Wealth First Account
Up to 7.51% Interest
Application Journey for the Bundle
Single

Get up to S$400 Cash or an Apple 10.9-inch iPad 10th Gen WiFi 64GB (worth S$529) or a Sony HT-AX7 Portable Theatre System (worth S$769) when you meet the relevant criteria! T&Cs apply.

Valid until 31 Jan 2025 - See more details below
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POSB Everyday Card
Online Promo
Earn Cash Rebates that Never Expire

POSB Everyday Card

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 31 Jan 2025 - See more details below
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CIMB World Mastercard
Online Promo
3% Cashback on Overseas Spend | LIMITED TIME ONLY

CIMB World Mastercard

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.

PLUS receive S$30* eCapitaVoucher(s). T&Cs apply.
Valid until 31 Jan 2025 - See more details below
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Citi Prestige Card

Citi Prestige Card

for every S$1 spent overseas
5 ThankYou Points (2 miles)
for every S$1 spent locally
3.25 ThankYou Points (1.3 miles)
Complimentary Airport Lounge Access
Unlimited
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Maybank Family & Friends Card
Online Promo
Earn up to 8% Cashback

Maybank Family & Friends Card

N/A
N/A
Cashback Per Month
Up to S$150
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Jan 2025 - See more details below
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NTUC Link Credit Card by Trust

NTUC Link Credit Card by Trust

savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
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DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide

DBS Vantage Visa Infinite Card

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 60,000 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 31 Jan 2025 - See more details below
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OCBC 365 Credit Card
High Spend on Dining

OCBC 365 Credit Card

Cashback on Utility Bills
3%
Cashback on Telco Bills
3%
Min Spend per Month
S$800
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OCBC Great Eastern Cashflo Credit Card

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
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Citi M1 Credit Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT

Citi M1 Credit Card

on eligible Entertainment Spend
Earn 4.7% Bonus Citi Rebate
on M1 Telco Bill Charges
Enjoy 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops
Enjoy 2.7% Bonus Citi M1 Rebate

Get UPSIZED S$378 Cash or 5,040 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply. 
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 11,180 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 15 Jan 2025 - See more details below
Apply Now
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Best Credit Card for Recurring Bills Singapore (2025)

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!