Best Credit Cards For Hospital & Medical Bills (2026)
Despite plenty of government subsidies, healthcare costs in Singapore can quickly add up - all the more so if you or your loved ones are hospitalised. While huge hospital bills are definitely painful, you can nonetheless save a little bit on your medical expenses with the right credit card. We will also show you some credit cards with 0% instalment payment plans so you can pay off your bills in smaller amounts.
Which Credit Cards are Best for Hospital & Medical Bills?
MoneySmart Exclusive
Earn up to 4 miles per S$1 | Instant Activation*
HSBC Revolution Credit Card
- on Contactless & Online Spending for cardholders who maintain at least S$50,000 average daily balance in your HSBC EGA SGD Account
- S$1 = 20X Points (8 miles)
- on Contactless & Online Spending for all other cardholders
- S$1 = 10X Points (4 miles)
- on All Other Spend
- S$1 = 1X Point
Get S$400 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
Online Promo
Enjoy up to 10% Cashback!
UOB One Card
- cashback on daily spend at McDonald's, Grab, SimplyGo & Shopee
- Up to 10%
- cashback at all grocery spend
- Up to 8%
- cashback cap a year
- Up to S$2,240
Online Promo: Valid until 30 Sep 2026
Plus, get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval and enjoy 10% off at Samsung online store. T&Cs apply.
MoneySmart Exclusive
2% UPSIZED CASHBACK | LIMITED TIME ONLY
Standard Chartered Simply Cash Credit Card
- on eligible spends
- 1.5% Cashback
- Min Spend
- S$0
- Cashback Cap
- Unlimited
Get S$350 Cash via PayNow or earn 4,000 SmartPoints (worth up to S$469 of Gifts) when you spend min. S$800 in 30 days AND apply to any of the following SCB products through MoneySmart (Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer). T&Cs apply.
Exclusive: Most Popular Credit Cards in Singapore
MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next!
Plus, try out our personality quiz to find which card matches your taste!
Frequently Asked Questions
Is it better to pay your medical bills with a credit card?
- Paying your hospital bills with a credit card may offer attractive rewards or cashback, but you should only do this if you are absolutely confident that you can repay your credit card bill in full. Otherwise, you run the risk of your credit card debt snowballing month after month.
Which credit card is best for hospital bills?
- It depends on what you are looking for and how much you expect to spend, but generally, since hospital bills are difficult to predict, it is probably best to use one of the fuss-free unlimited cashback credit cards available in Singapore. This way, you do not need to worry about hitting any minimum spend or hitting a cap.
What if you cannot afford to pay your medical bill?
- Do not charge your medical bill to a credit card and hope to delay paying it off. If you cannot afford the hospital bill, speak to the hospital or clinic's financial aid department to find out what the financing options are.
