Updated September 29, 2022
Excellent! ROSHI has found 6 Bill Payment cards for you.
UOB One Card
Up to 10%rebate on Grab
S$300Cash Back Cap per quarter
S$2000Min. Spend per month
On UOB's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free, $96.30 for subsequent cards
Fee Waiver1 year fee waiver
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$40,000.00
Other
Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
POSB Everyday Card
Up to 15%Cash Rebates for everyday essentials
Up to S$80Cash Rebates cap per month
S$800Min. Spend per month
On POSB's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$45,000.00
Other
Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
OCBC Cashflo Credit Card
1%Cash Rebate with Monthly Bill of S$1,000 and above
S$100Cash Rebate Cap per month
S$0Min. Spend per month
On OCBC's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate26.88%
Principle Annual Fee$161
Supplementary Annual Fee$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$45,000.00
Other
Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
HSBC Advance Credit Card
Up to 3.5%Cash Back on All Spend
S$125Cash Back Cap per month
S$0Min. Spend per month
On HSBC's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate25.90%
Principle Annual Fee$193
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period25 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$40,000.00
Other
Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
Citi Rewards Card
S$1= 10X Pointson Online Spend*
S$1= 10X Pointson Shopping Spend
S$1 = 1 Pointon All Other Spend
On Citibank's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$42,000.00
Other
Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay
Citi PremierMiles Visa Card
S$1 = 1.2 MilesLocal Spend
S$1 = 2 MilesAll Foreign Currency Spend
1 Citi Mile = 1 mileKrisflyer, Asia Miles and other airline and hotel programs
On Citibank's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$42,000.00
Other
Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Samsung Pay
There are three main factors to consider when choosing a credit card for recurring bills:
Typically, utilizing a credit card to pay for bills is a good plan. The only things you need to take note of are that you pay off your balance each month and never use the credit card to pay off a bill that you can’t afford. If you don’t follow those rules, you’ll find yourself in debt within months!
| Credit Card Name | Recurring Bill Payments | Min. Spend | |
|---|---|---|---|
| Maybank Friends & Family Card | 5% or 8% off bills from Singtel, Starhub, M1, Circles Life, MyRepublic, Netflix and any other telco or paid TV subscriptions | S$500 / S$800 | |
| UOB One Card | Up to 5% cash rebate on all spend including recurring telco and electricity. (Excluding town council payments) | S$500 / S$1,000 / S$2,000 | |
| OCBC 365 Credit Card | 3% cashback on recurring bills from Singtel, Starhub, M1, MyRepublic and Circles Life | S$800 | |
| UOB Delight | 3% cash rebate on telcos, town council payments, Singapore Power, SPH and UOI insurance | S$800 | |
| Maybank FC Barcelona Visa Signature Card | 1.6% cashback on all local spend, exluding town council payments and insurance | None | |
| HSBC Advance Credit Card | HSBC Advance Credit Card | None | |
| POSB Everyday Card | 1% cash rebates on recurring Starhub mobile/cable/broadband bills and in-store purchases | None | |
| Citibank SMRT Card | 1% cash rebates on recurring Singtel, Starhub, M1, town council paymnts and insurance (Prudential & Chubb) premiums paid trhough Citibank One bill | None |
It doesn’t take much to set up recurring bill payments. It will depend on your bank as to just how easy it is. Many banks give you a one-stop bill payment service that allows you to fill up the information of your bill just once then keep making regular payments without trouble.
You will need to look up and download the online form that suits each of your billing needs and send it to the town council. Most companies, such as electricity retailers, will already have your information on-hand, making it easy for them to set up your automatic online billing payments.
Take a minute to list down all the bills you need to pay for and sort out how and where you can set them up for recurring payments.
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