- All Local Spend
- S$1 = Up to 1.2 Miles
- Welcome Miles
- Annual Fee
- Cash Rebate on selected Electricity bills
- Cash Rebate on selected Telco bills
- Min Spend per Month
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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.
|Credit Card||Recurring Bill Payments||Min 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 Card||3% 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|
|HSBC Advance Credit Card||1.5% cash back on recurring telco and utility bill payments with no min. spend||None|
|POSB Everyday Card||1% cash rebates on recurring Starhub mobile/ digital cable/ broadband bills and in-store purchases||None|
|Citibank SMRT Card||1% cash rebates on recurring M1, Singtel and Starhub bills, town council payments and insurance (Prudential & Chubb) premiums paid through Citibank One Bill||None|
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?
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!