Excellent! ROSHI has found 6 Bill Payment cards for you.

UOB One Card

4.3Good to Excellent

Up to 10%rebate on Grab

S$300Cash Back Cap per quarter

S$2000Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
  • Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
  • Up to 6% rebate on Singapore Power utilities bill

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

3.8Good to Excellent

Up to 15%Cash Rebates for everyday essentials

Up to S$80Cash Rebates cap per month

S$800Min. Spend per month

Apply Now

On POSB's website

Card Features

  • Up to 15% cash rebates on dining and transport
  • Up to 6% cash rebates at SPC, Sheng Siong, Watsons, Starhub, SP Group, Best Electricity, Geneco, iSwitch, Ohm Energy, Tuas Power and Union Power. No minimum spend required
  • Get 0.3% on everything else
  • Use it as an all-in-one card for your daily essentials, MRT/bus rides and ATM cash withdrawals
  • Your cash rebates never expires
  • 1 year fee waiver

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

4.6Good to Excellent

1%Cash Rebate with Monthly Bill of S$1,000 and above

S$100Cash Rebate Cap per month

S$0Min. Spend per month

Apply Now

On OCBC's website

Card Features

  • Stretch payments across 3 or 6 months with 0% interest
  • Up to 1% cash rebate on all spend
  • Discounts on movie tickets and F&B at Cathay Cineplexes

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

4.0Good to Excellent
PROMOSamsonite T5 68cm Spinner or SGD150 cashback + SGD20 Grab rides Valid till 31st Dec 2020

Up to 3.5%Cash Back on All Spend

S$125Cash Back Cap per month

S$0Min. Spend per month

  • 1 year card annual fee waiver / Perpetual card annual fee waiver for HSBC Advance banking customers
Apply Now

On HSBC's website

Card Features

  • Up to 3.5% Cash Back on all purchases
  • No minimum spend required
  • Up to 75% off hotel bookings on Agoda and 10% off hotel books on Expedia

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

4.2Good to Excellent

S$1= 10X Pointson Online Spend*

S$1= 10X Pointson Shopping Spend

S$1 = 1 Pointon All Other Spend

Apply Now

On Citibank's website

Card Features

  • 10X Rewards on all online purchases (excludes travel-related transactions)
  • 10X Rewards on Ride-haling, Shopping and Online spends
  • 10X Rewards capped at 10,000 Points per statement month
  • 10X Rewards = 4 Miles
  • S$1 spent = 1 Rewards point (All other spend). No minimum spend required, no cap

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

4.1Good to Excellent

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

  • Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee
Apply Now

On Citibank's website

Card Features

  • S$1 = 1.2 Citi Miles on Local spend (no min. spend)
  • S$1 = 2 Citi Miles on Foreign currency spend
  • Enjoy up to 8% off hotel bookings on Agoda.com/bonusmiles
  • 10% off hotel booking on Expedia.com.sg/citibank
  • Citi Miles never expire
  • Priority Pass™ membership gives you access to more than 600 airport lounges twice a year
  • Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage

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

  • Bill Payment Basics

  • Ask Away

What is the Best Credit Card for Recurring Bill Payments?

There are three main factors to consider when choosing a credit card for recurring bills:

  • Is the card able to cover all various kinds of bills?
    How much cashback does that card offer?
    If the card is to be your secondary card, is there an option with a relatively low minimum spend option?

Should I Pay My Bills with a Credit Card?

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!

Best Bill Payment Credit Cards in Singapore (2020)

Credit Card NameRecurring Bill PaymentsMin. 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$800Apply Now
UOB One CardUp to 5% cash rebate on
all spend including recurring
telco and electricity.
(Excluding town council payments)
S$500 / S$1,000 /
S$2,000
Apply Now
OCBC 365 Credit Card3% cashback on recurring
bills from Singtel, Starhub,
M1, MyRepublic and Circles
Life
S$800Apply Now
UOB Delight3% cash rebate on telcos,
town council payments,
Singapore Power, SPH and
UOI insurance
S$800Apply Now
Maybank FC Barcelona Visa
Signature Card
1.6% cashback on all local
spend, exluding town council
payments and insurance
NoneApply Now
HSBC Advance Credit CardHSBC Advance Credit CardNoneApply Now
POSB Everyday Card1% cash rebates on recurring
Starhub mobile/cable/broadband
bills and in-store purchases
NoneApply Now
Citibank SMRT Card1% cash rebates on recurring
Singtel, Starhub, M1, town council
paymnts and insurance (Prudential
& Chubb) premiums paid
trhough Citibank One bill
NoneApply Now

How do I Set Up Recurring Bill Payments?

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.

Have a question? Ask us about anything!

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