Best Credit Cards for Hospital Bills 2020

Whether you're dealing with big doctors' bills right now or regularly spend on your health, you may be interested in a credit card that offers rewards for medical spend. Most credit cards actively exclude hospital spend from earning rewards. So, to make things easier, we scoured the terms & conditions of 100+ cards in Singapore to find which actually do provide cash rebates or miles.

Best Credit Cards for Big Hospital Bills:
Best Credit Cards for 0% Instalment Medical Payments:
Best No-Fee Credit Cards for Paying Hospital Bills:
Best Credit Cards for Health & Wellness Perks:
  • POSB Everyday: Top promotional rates on daily essentials
  • Citi SMRT: Everyday rebates + no minimum spend requirement
Best Rebate Credit Card for Paying Hospital Bills:
  • BOC Family: Up to 10% on dining, 3% on transit, medical & more
Best Miles Credit Cards for Paying Hospital Bills:

Compare the Best Credit Cards for Making Medical Payments by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards for paying hospital bills compare to one another in terms of their rewards
Best Credit Cards for Paying Hospital Bills in Singapore by Estimated 2-Year Dollar Value
Best Credit Cards for Big Hospital Bills: Best for 0% Instalment Medical Payments: Best No-Fee Cards for Paying Hospital Bills: Best Cards for Health & Wellness Perks: Best Rebate Card for Paying Hospital Bills: Best Miles Cards for Paying Hospital Bills:

Compare the Best Credit Cards for Making Medical Payments by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards for paying hospital bills compare to one another in terms of their rewards
Best Credit Cards for Paying Hospital Bills in Singapore by Estimated 2-Year Dollar Value

Earning Rewards on Hospital Bills & Why We Selected these Cards

Medical bills, whether for a doctor or a hospital visit, can be quite expensive and are sometimes difficult to pay off all at once. Facing such a large bill can certainly be daunting, but doing so also presents the opportunity to earn significant cashback or miles (the greater the spend, the greater the return). Additionally, some credit cards offer 0% interest instalment plans which allow cardholders to make payments on big bills over time, without added cost.

While there are currently 100s of credit cards in Singapore, only a select few actually reward medical payments. Medical bills, including those from public hospitals and polyclinics, are often nested under "government services," which are often rewards-restricted. Upon careful review of the terms & conditions of credit cards across the market, we've identified options that offer cashback or miles for medical payments while also providing competitive rewards for everyday spending. We've analysed and reviewed these cards below to help you find the best match for your lifestyle.

Best Credit Cards for Rebates on Big Hospital Bills

With the following cards, you can translate big bill payments into big cashback rewards.

Standard Chartered Unlimited Cashback Card: Unltd Rebates + SimplyGo

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: New cardholders will receive S$160 cash via PayNow
  • Existing cardholders will receive S$30 worth of GrabFood voucher
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
If you need to pay large medical or hospital bills, chances are you’ll feel limited by typical capped cashback cards. Standard Chartered Unlimited Cashback Card offers unlimited earning potential, so no matter how much you need to spend, you’ll continue earning a flat 1.5% cashback.


This cashback rate includes spend on both public and private hospitals. So, if you need to pay S$8,000 for a medical procedure, you’ll earn S$120 rebate. Even the best capped alternatives offer just S$100 at this spend level.

Another reason to consider SC Unlimited Cashback Card instead of other unlimited cards is for its excellent transport benefits. Not only is it SimplyGo compatible, it also offers up to 21% fuel savings with Caltex. While there’s a S$192.6 fee, it’s waived for 2 years, so you won’t need to worry about card costs when you’re paying your bills. Ultimately, SC Unlimited Cashback Card is the best option for paying big medical bills if you’re also interested in transport benefits.

  • Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: New cardholders will receive S$160 cash via PayNow
  • Existing cardholders will receive S$30 worth of GrabFood voucher
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
If you need to pay large medical or hospital bills, chances are you’ll feel limited by typical capped cashback cards. Standard Chartered Unlimited Cashback Card offers unlimited earning potential, so no matter how much you need to spend, you’ll continue earning a flat 1.5% cashback.


This cashback rate includes spend on both public and private hospitals. So, if you need to pay S$8,000 for a medical procedure, you’ll earn S$120 rebate. Even the best capped alternatives offer just S$100 at this spend level.

Another reason to consider SC Unlimited Cashback Card instead of other unlimited cards is for its excellent transport benefits. Not only is it SimplyGo compatible, it also offers up to 21% fuel savings with Caltex. While there’s a S$192.6 fee, it’s waived for 2 years, so you won’t need to worry about card costs when you’re paying your bills. Ultimately, SC Unlimited Cashback Card is the best option for paying big medical bills if you’re also interested in transport benefits.

American Express True Cashback Card: Unltd Cashback + Amex Benefits

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Receive S$80 CapitaVoucher w/ S$500 spend in 1st mo (new customers); existing customers receive S$40 voucher
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
American Express True Cashback Card is an excellent option for paying large hospital bills because of its unlimited 1.5% rewards rate, boosted to 3% during the first 6 months (up to S$150). This is perfect if you’re paying your medical bills currently, or in the near future. Additionally, cardholders enjoy perks like American Express Global Assist–which provides free English-speaking doctor referrals when overseas–and travel accident insurance, covering up to S$350,000 for injuries.


Other perks include access to American Express Selects and True Cashback card promotions, which offer discounts and deals on everything from dining to wedding expenses. Ultimately, however, this card is especially great if you want maximum rewards for big hospital bills that you need to pay right away.

  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Receive S$80 CapitaVoucher w/ S$500 spend in 1st mo (new customers); existing customers receive S$40 voucher
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
American Express True Cashback Card is an excellent option for paying large hospital bills because of its unlimited 1.5% rewards rate, boosted to 3% during the first 6 months (up to S$150). This is perfect if you’re paying your medical bills currently, or in the near future. Additionally, cardholders enjoy perks like American Express Global Assist–which provides free English-speaking doctor referrals when overseas–and travel accident insurance, covering up to S$350,000 for injuries.


Other perks include access to American Express Selects and True Cashback card promotions, which offer discounts and deals on everything from dining to wedding expenses. Ultimately, however, this card is especially great if you want maximum rewards for big hospital bills that you need to pay right away.

HSBC Advance Card: High Flat Rebate for Advance Customers

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you’re open to an HSBC Advance account, you can quickly maximise rebates for medical spend with HSBC Advance Card. Advance banking customers earn a high 3.5% flat rebate on all spend–including public and private hospitals–after just S$2,000 spend (2.5% if below), up to S$125/month. The closest competitor only rewards spend at private hospitals and caps earnings at S$100/month. HSBC Advance Card also has no annual fee for Advance customers. This means you can focus on paying your bills without worrying about extra costs.


HSBC Advance Card is less beneficial for non-Advance customers. While they also earn rebates for medical spend, they're only eligible for 2.5% cashback after S$2,000 spend (1.5% if below), up to a less-than-competitive S$70/month. If you’re paying large bills, the difference in cashback becomes quite pronounced–for example, an Advance customer would earn S$125 rebate by charging a S$3,600 hospital bill; a non-Advance customer would earn just S$70. Non-Advance customers also must pay a S$192.6 fee, waived only with S$12,500 annual spend. Ultimately, we’d recommend checking to see if you qualify for an Advance account, and therein, the HSBC Advance Card.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you’re open to an HSBC Advance account, you can quickly maximise rebates for medical spend with HSBC Advance Card. Advance banking customers earn a high 3.5% flat rebate on all spend–including public and private hospitals–after just S$2,000 spend (2.5% if below), up to S$125/month. The closest competitor only rewards spend at private hospitals and caps earnings at S$100/month. HSBC Advance Card also has no annual fee for Advance customers. This means you can focus on paying your bills without worrying about extra costs.


HSBC Advance Card is less beneficial for non-Advance customers. While they also earn rebates for medical spend, they're only eligible for 2.5% cashback after S$2,000 spend (1.5% if below), up to a less-than-competitive S$70/month. If you’re paying large bills, the difference in cashback becomes quite pronounced–for example, an Advance customer would earn S$125 rebate by charging a S$3,600 hospital bill; a non-Advance customer would earn just S$70. Non-Advance customers also must pay a S$192.6 fee, waived only with S$12,500 annual spend. Ultimately, we’d recommend checking to see if you qualify for an Advance account, and therein, the HSBC Advance Card.

Best Credit Cards for 0% Instalment Medical Payments

If you can't pay off a big hospital bill all at once, consider these cards with 0% interest instalment plans.

OCBC Cashflo Card: Rebates on Instalment Payments

  • 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card is the only rebate card on the market that allows consumers to net-earn on split payments. At a specific spend threshold determined by the cardholder, payments are automatically split into instalments across 3 or 6 months. Most instalment plans require call-ahead or retroactive applications, making OCBC Cashflo Card especially convenient. Even better, cardholders don’t need to pay a processing fee–other card plans charge up to 5% of the transaction amount.


OCBC Cashflo Card’s instalment plan truly stands out, however, because cardholders can earn up to 1% rebate (after S$1,000 spend; 0.5% if below) on purchases made on the plan. Most plans exclude split payment from earning rewards. Even cards that do reward such payments charge processing fees, which results in a net cost to the consumer. Only with OCBC Cashflo Card can consumers split larger payments, never pay interest, avoid a processing fee, and still earn cashback.

This is especially great if you’re faced with large medical or hospital bills that you need to pay back over time. To put it in perspective, if you pay off a S$5,000 bill over 6 months, you’ll actually earn S$50 with OCBC Cashflo. If you paid this same bill with competitor cards, you’d either earn nothing at all, or potentially lose as much as S$140. In addition, OCBC Cashflo Card offers a fee-waiver with S$10,000 annual spend. If you’re splitting a big hospital bill into instalments, there’s no better option than OCBC Cashflo Card.

  • Stand-Out: 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card is the only rebate card on the market that allows consumers to net-earn on split payments. At a specific spend threshold determined by the cardholder, payments are automatically split into instalments across 3 or 6 months. Most instalment plans require call-ahead or retroactive applications, making OCBC Cashflo Card especially convenient. Even better, cardholders don’t need to pay a processing fee–other card plans charge up to 5% of the transaction amount.


OCBC Cashflo Card’s instalment plan truly stands out, however, because cardholders can earn up to 1% rebate (after S$1,000 spend; 0.5% if below) on purchases made on the plan. Most plans exclude split payment from earning rewards. Even cards that do reward such payments charge processing fees, which results in a net cost to the consumer. Only with OCBC Cashflo Card can consumers split larger payments, never pay interest, avoid a processing fee, and still earn cashback.

This is especially great if you’re faced with large medical or hospital bills that you need to pay back over time. To put it in perspective, if you pay off a S$5,000 bill over 6 months, you’ll actually earn S$50 with OCBC Cashflo. If you paid this same bill with competitor cards, you’d either earn nothing at all, or potentially lose as much as S$140. In addition, OCBC Cashflo Card offers a fee-waiver with S$10,000 annual spend. If you’re splitting a big hospital bill into instalments, there’s no better option than OCBC Cashflo Card.

Standard Chartered SingPost Spree: Online Overseas Shopping Rebates

  • Cashback on overseas online shopping + shipping discounts
  • Promotions: Get the new Liverpool FC 20/21 men’s home shirt* when you apply and SMS “LFC20” to 77222 to register as a cardholder
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions
  • 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
Standard Chartered SingPost Spree Card is great for online hospital bill payments in instalments. Cardholders can access EasyPay, which is a 0% interest instalment plan that splits transactions of at least S$500 across up to 12 months. Unlike many other plans, EasyPay rewards payments on the plan upfront. In other words, if you split a large hospital bill into instalments, you can pay them back over a year, but earn cashback on the entire bill right away. There is a 5% processing fee, however.


SC SingPost Spree Card also offers value in itself. Cardholders earn 3% on foreign online & vPost transactions and 2% for local online & contactless purchases–which ultimately, makes it a great card for online hospital bill payments. General spend earns 1% cashback. While there’s no minimum requirement, earnings are capped at S$60/month and can be maxed out with as little as S$2,000 spend. Overall, SC SingPost Spree Card is great for online payment of hospital bills, including over instalments.

  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions: Get the new Liverpool FC 20/21 men’s home shirt* when you apply and SMS “LFC20” to 77222 to register as a cardholder
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions
  • 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
Standard Chartered SingPost Spree Card is great for online hospital bill payments in instalments. Cardholders can access EasyPay, which is a 0% interest instalment plan that splits transactions of at least S$500 across up to 12 months. Unlike many other plans, EasyPay rewards payments on the plan upfront. In other words, if you split a large hospital bill into instalments, you can pay them back over a year, but earn cashback on the entire bill right away. There is a 5% processing fee, however.


SC SingPost Spree Card also offers value in itself. Cardholders earn 3% on foreign online & vPost transactions and 2% for local online & contactless purchases–which ultimately, makes it a great card for online hospital bill payments. General spend earns 1% cashback. While there’s no minimum requirement, earnings are capped at S$60/month and can be maxed out with as little as S$2,000 spend. Overall, SC SingPost Spree Card is great for online payment of hospital bills, including over instalments.

Best No-Fee Credit Cards for Paying Hospital Bills

No-fee credit cards are especially low-maintenance, allowing you to focus on your health rather than additional costs.

HSBC Revolution: Miles for Social Spend & Online Bills

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
HSBC Revolution Card is the best miles-earning card for online payment of hospital bills, and even comes with an easy fee-waiver. Cardholders earn 2 miles per S$1 online spend, including online travel bookings, transit, and bill pay–private and public. There are no minimum spend requirements and no earning caps, which is great if you’re looking to use this card for more than just bills, and want to continue earning. On that note, cardholders also earn at this rate for spend on local dining & entertainment.


HSBC Revolution Card also comes with a fee-waiver. Cardholders can avoid the S$160.5 fee with just S$12,500 annual spend (about S$1,042/month). If you’re interested in a versatile card offering unlimited miles for online hospital bill pay, look no further than HSBC Revolution Card.

  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
HSBC Revolution Card is the best miles-earning card for online payment of hospital bills, and even comes with an easy fee-waiver. Cardholders earn 2 miles per S$1 online spend, including online travel bookings, transit, and bill pay–private and public. There are no minimum spend requirements and no earning caps, which is great if you’re looking to use this card for more than just bills, and want to continue earning. On that note, cardholders also earn at this rate for spend on local dining & entertainment.


HSBC Revolution Card also comes with a fee-waiver. Cardholders can avoid the S$160.5 fee with just S$12,500 annual spend (about S$1,042/month). If you’re interested in a versatile card offering unlimited miles for online hospital bill pay, look no further than HSBC Revolution Card.

CIMB Platinum MasterCard: Cashback on Medical, Transport & More

  • Up to 10% cashback on transport, dining, medical & more
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard offers the highest cashback rate for medical expenses on the market. Cardholders earn 10% rebate on everything from doctors, dentists, optometrists, opticians and chiropractors to hospitals, nursing & personal care facilities, pharmacies and more. This spend category is individually capped at just S$20/month, however, and bills from polyclinics and government hospitals are excluded from earning rewards.


Nonetheless, CIMB Plat MC is a great option for rebates on more routine visits, and also has no annual fee. And, because other categories also earn 10% rebate (transport & petrol, dining, overseas travel, home improvement), cardholders can easily earn cashback in common categories, without ever having to worry about extra banking fees. Therefore, CIMB Plat MC has great value as a stand-alone, and can also serve as an easy supplement to a flat rebate or unlimited card.

  • Stand-Out: Up to 10% cashback on transport, dining, medical & more
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard offers the highest cashback rate for medical expenses on the market. Cardholders earn 10% rebate on everything from doctors, dentists, optometrists, opticians and chiropractors to hospitals, nursing & personal care facilities, pharmacies and more. This spend category is individually capped at just S$20/month, however, and bills from polyclinics and government hospitals are excluded from earning rewards.


Nonetheless, CIMB Plat MC is a great option for rebates on more routine visits, and also has no annual fee. And, because other categories also earn 10% rebate (transport & petrol, dining, overseas travel, home improvement), cardholders can easily earn cashback in common categories, without ever having to worry about extra banking fees. Therefore, CIMB Plat MC has great value as a stand-alone, and can also serve as an easy supplement to a flat rebate or unlimited card.

Best Credit Cards for Health & Wellness Perks

These cards may not directly reward medical spend, they do offer perks that support overall wellness.

POSB Everyday Card: Rebates on Essentials & Personal Care

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: S$200 cashback with no minimum spend using promo code "DBSFLASH" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is an excellent everyday card for families and comes with a few great wellness perks. First of all, cardholders receive 3% cashback on personal care from Watsons. Additionally, they have access to up to 15% off select local medical packages for health screening, dentistry, cardiology and more.


In terms of essentials, cardholders earn at high promotional rates. While these rates change, consumers can typically earn up to 15% cashback on dining, groceries, transport, personal care and even recurring bills. Some, but not all, of these categories are merchant limited. Still, the card provides great convenience with all-in-one functionality and can be used for contactless payments of public transit fares. This convenience, paired with high rebates and wellness discounts, makes POSB Everyday Card an excellent option for the average consumer.

  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: S$200 cashback with no minimum spend using promo code "DBSFLASH" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is an excellent everyday card for families and comes with a few great wellness perks. First of all, cardholders receive 3% cashback on personal care from Watsons. Additionally, they have access to up to 15% off select local medical packages for health screening, dentistry, cardiology and more.


In terms of essentials, cardholders earn at high promotional rates. While these rates change, consumers can typically earn up to 15% cashback on dining, groceries, transport, personal care and even recurring bills. Some, but not all, of these categories are merchant limited. Still, the card provides great convenience with all-in-one functionality and can be used for contactless payments of public transit fares. This convenience, paired with high rebates and wellness discounts, makes POSB Everyday Card an excellent option for the average consumer.

Citi SMRT Card: No Minimum Spend Requirement + Rebates on Essentials

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
If you’re a young professional on a budget, consider Citi SMRT Card, which is one of the few cards on the market with no minimum spend requirement. Cardholders receive 5% rebate on groceries, 5% on fast food, coffee and movies, 3% for online spend and 2% on Auto Top-Ups. In fact, Citi SMRT Card itself is EZ-Link compatible, making it a great choice for commuters.


Citi SMRT Card also offers 2% rebate on health & wellness. As with most of the categories above, however, merchants are restricted. In this case, cardholders earn rebates with GNC, Guardian, Nature’s Farm, NTUC Unity Healthcare and Watsons–which offer everything from vitamins & supplements to hair & beauty products. There is no category-specific cap on earnings, but total cashback is capped at S$50/month. Overall, Citi SMRT Card is a great way for young professionals to access higher rebates after a low minimum spend–including rebates with top health & wellness merchants.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
If you’re a young professional on a budget, consider Citi SMRT Card, which is one of the few cards on the market with no minimum spend requirement. Cardholders receive 5% rebate on groceries, 5% on fast food, coffee and movies, 3% for online spend and 2% on Auto Top-Ups. In fact, Citi SMRT Card itself is EZ-Link compatible, making it a great choice for commuters.


Citi SMRT Card also offers 2% rebate on health & wellness. As with most of the categories above, however, merchants are restricted. In this case, cardholders earn rebates with GNC, Guardian, Nature’s Farm, NTUC Unity Healthcare and Watsons–which offer everything from vitamins & supplements to hair & beauty products. There is no category-specific cap on earnings, but total cashback is capped at S$50/month. Overall, Citi SMRT Card is a great way for young professionals to access higher rebates after a low minimum spend–including rebates with top health & wellness merchants.

Best Rebate Credit Card for Paying Hospital Bills

It's possible to earn cashback directly from your hospital bills–check out the card below.

BOC Family Card: Everyday Cashback, Inc. for Transit & Medical

  • Annual fee: S$203.3
  • 10% rebate on dining & movie theaters, up to S$25/mo
  • 5% rebate w/ Family Club Merchants (Best Denki, POPULAR & more), up to S$25/mo
  • 3% rebate on public transport (MRT trains & SBS/SMRT Buses via SimplyGo), up to S$25/mo
  • 3% rebate on local supermarkets, online retail & hospitals, up to S$25/mo
BOC Family Card is an excellent everyday option for household spenders with largely practical budgets. Cardholders earn 10% rebate on dining & movies, 5% with Family Club merchants like Best Denki, Watsons & more, 3% on MRT trains and SBS/SMRT Buses, and 3% on local supermarkets, online retail and hospital bills. Each of these 4 category groupings are capped at S$25/month in rewards, encouraging diversified spending (skewed towards transit, groceries, online & medical spend). With the right spend distribution, cardholders can earn up to S$100/month.


BOC Family Card really stands out for its transit and medical benefits. Very few cards offer such high rates in either of these categories, and most do not reward such spend at all. Even better, BOC Family Card directly rewards bills from on-site transactions at hospitals, without additional exclusions. Many cards on this page are not so flexible and may exclude payments to polyclinics and the like. This feature in itself may warrant the card's slightly higher S$203.3 annual fee. However, this fee is already waived the 1st year, making it easy to focus on earning from the get-go.

  • Annual fee: S$203.3
  • 10% rebate on dining & movie theaters, up to S$25/mo
  • 5% rebate w/ Family Club Merchants (Best Denki, POPULAR & more), up to S$25/mo
  • 3% rebate on public transport (MRT trains & SBS/SMRT Buses via SimplyGo), up to S$25/mo
  • 3% rebate on local supermarkets, online retail & hospitals, up to S$25/mo
BOC Family Card is an excellent everyday option for household spenders with largely practical budgets. Cardholders earn 10% rebate on dining & movies, 5% with Family Club merchants like Best Denki, Watsons & more, 3% on MRT trains and SBS/SMRT Buses, and 3% on local supermarkets, online retail and hospital bills. Each of these 4 category groupings are capped at S$25/month in rewards, encouraging diversified spending (skewed towards transit, groceries, online & medical spend). With the right spend distribution, cardholders can earn up to S$100/month.


BOC Family Card really stands out for its transit and medical benefits. Very few cards offer such high rates in either of these categories, and most do not reward such spend at all. Even better, BOC Family Card directly rewards bills from on-site transactions at hospitals, without additional exclusions. Many cards on this page are not so flexible and may exclude payments to polyclinics and the like. This feature in itself may warrant the card's slightly higher S$203.3 annual fee. However, this fee is already waived the 1st year, making it easy to focus on earning from the get-go.

Best Miles Credit Cards for Paying Hospital Bills

If you prefer miles to cashback rewards, consider these cards when paying your hospital bills.

Standard Chartered Visa Infinite X: Bonus Miles & Rewards for Medical Bills

  • Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
Standard Chartered Visa Infinite X Card is a great card for affluent travellers looking to immediately accrue a large amount of miles without expending a great deal of effort. In fact, cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer bonus miles (worth S$10k when redeemed for business class tickets). Those who place S$800k receive 150,000 miles (worth S$15k) and Priority Private Banking customers who place S$1.5m receive 300,000 miles (worth S$30k). While only accessible to those who have extra funds on hand, this sign-up offer provides greater value-to-consumer than any other currently on the market.


SC Visa Infinite X Card also provides several perks and benefits. Cardholders can enjoy 2 free lounge visits per year, free travel insurance, discounted green fees, exclusive hotel privileges and savings on rental cars. In addition, every S$1 spend earns 1.2 miles locally and 2 miles overseas. Even payments made at private and government hospitals are rewards-eligible. Nonetheless, SC Visa Infinite X Card charges a non-waivable S$695.5 annual fee. For the very affluent, however, this fee may be less of a deterrent. Even better, those who unlock top rewards miles by placing funds can easily offset such costs in terms of accrued value.

  • Stand-Out: Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
Standard Chartered Visa Infinite X Card is a great card for affluent travellers looking to immediately accrue a large amount of miles without expending a great deal of effort. In fact, cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer bonus miles (worth S$10k when redeemed for business class tickets). Those who place S$800k receive 150,000 miles (worth S$15k) and Priority Private Banking customers who place S$1.5m receive 300,000 miles (worth S$30k). While only accessible to those who have extra funds on hand, this sign-up offer provides greater value-to-consumer than any other currently on the market.


SC Visa Infinite X Card also provides several perks and benefits. Cardholders can enjoy 2 free lounge visits per year, free travel insurance, discounted green fees, exclusive hotel privileges and savings on rental cars. In addition, every S$1 spend earns 1.2 miles locally and 2 miles overseas. Even payments made at private and government hospitals are rewards-eligible. Nonetheless, SC Visa Infinite X Card charges a non-waivable S$695.5 annual fee. For the very affluent, however, this fee may be less of a deterrent. Even better, those who unlock top rewards miles by placing funds can easily offset such costs in terms of accrued value.

Standard Chartered Visa Infinite: Top Miles Overseas & on Tax-Pay

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Read Our Full Review
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
Not only does Standard Chartered Visa Infinite Card reward medical and hospital bill payments, it does so at the highest miles rates on the market. Cardholders earn 1.4 miles per S$1 local spend and 3 miles overseas, and receive 35,000 welcome miles (worth S$350) just for signing up. Income tax payments, fixed investments, mortgage loans and savings accounts with SC also earn rewards–all of which are often excluded from earning by competitors.


SC Visa Infinite Card also stands out for its luxury travel perks. Cardholders enjoy 6 free lounge visits/year worldwide, a free 4 hour yacht hire, Hertz Asia rental privileges, free travel insurance, and golfing privileges throughout SE Asia. This card is not for everyone–there’s a S$588.5 fee and a S$150,000 salary requirement–but for the affluent, SC Visa Infinite Card is the ideal miles-earning option for both maximising overseas rewards and paying hospital bills.

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Stand-Out: Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Read Our Full Review
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
Not only does Standard Chartered Visa Infinite Card reward medical and hospital bill payments, it does so at the highest miles rates on the market. Cardholders earn 1.4 miles per S$1 local spend and 3 miles overseas, and receive 35,000 welcome miles (worth S$350) just for signing up. Income tax payments, fixed investments, mortgage loans and savings accounts with SC also earn rewards–all of which are often excluded from earning by competitors.


SC Visa Infinite Card also stands out for its luxury travel perks. Cardholders enjoy 6 free lounge visits/year worldwide, a free 4 hour yacht hire, Hertz Asia rental privileges, free travel insurance, and golfing privileges throughout SE Asia. This card is not for everyone–there’s a S$588.5 fee and a S$150,000 salary requirement–but for the affluent, SC Visa Infinite Card is the ideal miles-earning option for both maximising overseas rewards and paying hospital bills.

Learn More About Selecting the Best Credit Card for You

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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