Best Credit Cards: Recurring Bill Payments
Pay your recurring electricity, utilities, telco and town council bills with these credit cards for rebates or rewards.
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Best Credit Card for Recurring Bills Singapore (2025)
| Credit Card | Recurring Bill Payments | Min spend |
|---|---|---|
| Credit CardMaybank Friends & Family | Recurring Bill Payments 5% / 8% off bills from Starhub, Singtel, M1, Circles Life, MyRepublic, Netflix, any other telecommunication or paid TV subscriptions | Min spend $500 / $800 |
| Credit CardUOB One | Recurring Bill Payments Up to 5% cash rebate on all spend including recurring telco and electricity. Excludes town council payments | Min spend $500 / $1,000 / $2,000 |
| Credit Card UOB Delight | Recurring Bill Payments 3% cash rebate on telcos, town council payments, Singapore Power, SPH, UOI insurance | Min spend $800 |
| Credit CardOCBC 365 Credit Card | Recurring Bill Payments3% cashback on recurring bills from Starhub, Singtel, M1, Circles Life, MyRepublic | Min spend $800 |
| Credit CardMaybank FC Barca | Recurring Bill Payments 1.6% cashback on all local spend, excluding insurance and town council payments | Min spend None |
| Credit CardPOSB Everyday Card | Recurring Bill Payments1% cash rebates on recurring Starhub mobile/ digital cable/ broadband bills and in-store purchases | Min spendNone |
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
Maybank FC Barcelona Visa Signature Card: 1.6% unlimited cash rebate on all local spend
Highest cashback
Maybank Friends and Family: 5% ($500 min spend) / 8% ($800 min spend)
No minimum spend
Citi M1 Platinum Visa: Up to 3% Citi M1 Rebate on M1 Telco Bill charges and up to 5% Citi M1 Rebate on Entertainment transactions.
UOB One Card
At first glance, the only feature that stands out for recurring bill payments is that UOB One Card offers up to 6% on SP utilities bills. But given that many Singaporeans have switched to electricity retailers by now, this isn’t that attractive.
UOB Delight
The UOB One Card is not the only card from UOB that offers rebates on recurring bills. UOB Delight offers 3% SMART$ 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?
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!
FAQs on Credit Cards for Bill Payments
Is it worth getting a credit card to pay bills?
Yes — provided you clear your full statement balance every month. Done right, you earn rewards on spending you'd make anyway and build a positive credit profile, all while avoiding interest charges.
Top reasons to use a credit card for bills:
- Earn rewards and cashback on regular expenses like utilities, telco, and insurance.
- Build your credit score through consistent, on-time payments.
- Automation and convenience — recurring payments reduce the risk of late fees.
- Better cash flow thanks to a 21–45 day interest-free grace period.
- Easier expense tracking with all bills consolidated on one statement.
Important considerations:
- High interest charges — Singapore card rates are 26–28% p.a., which quickly wipe out any rewards if you carry a balance.
- Processing fees on rent, taxes, or tuition (typically 1.5–3%) may exceed your rewards rate.
- Credit utilisation — keep your balance under 30% of your total limit to protect your credit score.
- Rewards exclusions — not all bill types or payment channels qualify, so check your card's terms.
What bills can I pay with a credit card without a fee?
- In Singapore, quite a few monthly bills can be paid by credit card without extra fees—but it depends on your biller and the payment channel used. Generally, lifestyle and entertainment services are more likely to accept credit card payments at no cost, while “essential” utilities and government-related payments might incur surcharges. Still, using official apps or the right bank payment channels can help you dodge these fees.