Best Credit Cards for Monthly Recurring Bill Payments 2019

An average household spends about 15% of their budget on monthly recurring bills like telecom, insurance and utilities. Below, we've compared the best credit cards for monthly bill payments in Singapore so you can spend more on other areas of your life.

Best Credit Cards for Monthly Recurring Bills
Best for CashbackUOB OneUp to 5% flat rebate capped at S$300/quarter
OCBC 365Rebates on essentials with easy fee-waiver
Online Bill-PayHSBC Revolution2 miles per S$1 online spend (inc. transit, insurance premiums)
Low SpendersMB Platinum VisaEarn S$30/quarter with just S$300 monthly spend
High SpendersHSBC AdvanceUp to 3.5% cashback capped at S$125/month
Unlimited Cards1.5%–1.6% unlimited cashback with extra perks
Best for MilesAmex SIA KFUp to 20,500 bonus miles & S$150 SIA credit within 1st 6 months
UOB PRVI MilesFee-Waiver & 20,000 bonus miles, 2.4 miles per $1 overseas
Cashback + MilesHSBC Visa PlatRebates on local dining & entertainment, miles for general
Golfing PrivilegesMB WorldFree green fees at 120 fairways across 25 countries

Best Cashback Credit Cards for Paying Monthly Recurring Bills

If you want to maximise cash back from paying your monthly bills, the following cards offer great rates with added benefits like rebate programmes and fee-waivers.

Best Rebate Card for Stable Spenders: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$100 cashback with S$1,000 spend in 1st month

UOB One Card is the absolute best rebate credit card for people who consistently spend about S$2,000/month. At this spend level, cardholders earn 5% flat cashback, up to S$300/quarter (S$100/month)–including on telco, insurance, and Town Council bills through UOB BIll Pay. This offers cardholders one of the highest earning potentials on the market, at up to S$1,200/year.

UOB One Card is especially great for bill pay because of its tiered rebate structure. Cardholders’ cashback rate and cap are determined by their lowest spend during a quarter (3 months total). Consistency is key, because spending even slightly lower than S$2,000 during one month drops cashback from 5% to 3.33%, and max earning from S$100/month to S$33/month. Paying monthly recurring bills through UOB One Card can provide that stability and consistency, and help to ensure you meet minimum spend levels every month.

Another reason to use UOB One Card for bill pay is that its UOB SMART$ Programme can provide ‘double’ value when you pay insurance premiums with UOI. Not only do payments count towards your minimum spend tier, they also earn SMART$ with select merchants–like UOI–which can thereafter be used to offset future purchases. Many merchants are part of the SMART$ Programme, so you can also earn ‘double’ value on dining, groceries, wellness and more.

Ultimately, UOB One Card is a great option for earning top cashback on all of your spend, including on bill payments, as long as you have a fairly consistent budget.

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  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best No-Fee Rebate Card for Daily Essentials: OCBC 365 Card

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive S$40 cashback for sign-up w/ select electricity retailers

If you want to earn high cashback rates for your monthly bill spend and daily essentials, OCBC 365 Card is an excellent option that even comes with a fee-waiver. Cardholders earn 6% rebate on dining & online food delivery and 3% on groceries, land transport and travel bookings.

Even better, spend on telco (SingTel, StarHub, M1, MyRepbulic, Circles.Life) and electric (Senoko Energy, Sembcorp Power, Keppel Electric & more) also earns 3% cashback. Cardholders only need to spend S$800/month to access these rates, and can earn up to a lofty S$80/month. In comparison, other cards require stable spending at much higher levels to earn meaningful cashback, or have very low category caps (in fact, some cap recurring bill earnings at just S$1/month).

OCBC 365 Card also comes with a relatively easy fee-waiver. Cardholders only need to spend S$10,000/year (about S$833/month) to earn exemption from the S$192.6 fee, which is already waived 2 years. At this rate, cardholders would easily meet the minimum spend requirements as well. If you’re looking for a no-fee card that rewards all of your spend–including bills–OCBC 365 Card could very well be the right option for you.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges

Best Credit Card for Online Bill-Pay: HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

HSBC Revolution Card is the best miles-earning option on the market if you’re a local social spender and pay most of your bills online. Cardholders earn 2 miles per S$1 on local dining & entertainment as well as for online spend–including insurance premiums and bill pay. This is equal to about 2% rebate in value, and there’s no minimum spend requirement, meaning you can easily earn on payments no matter the size of your overall monthly budget. Other cards require S$800+ to earn at similar rates.

In addition, HSBC Revolution Card also comes with a fee-waiver. After just S$12,500 annual spend (about S$1,042/month), cardholders are exempt from the S$160.5 fee. Ultimately, if you spend socially and locally and prefer online bill pay, HSBC Revolution Card is one of the best cards on the market.

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  • 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
  • Up to 20.2% fuel savings with Caltex, 14% with Shell
  • 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
  • Up to 20.2% fuel savings with Caltex, 14% with Shell

Best Card for Rebates on Bill Pay for Low Spenders: Maybank Platinum Visa Card

Consider this if you spend S$300 to S$500 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

If you have a relatively low budget and minimum requirements are keeping you from earning cashback, consider Maybank Platinum Visa Card. With just S$300 monthly local spend, you can earn at 3.33% up to S$30/quarter–or S$120/year. Alternative cards offer base rates of about 0.3% at this spend level, which only adds up to S$3.6/year.

Maybank Platinum Visa Card also rewards recurring bill payments, so even if you’re looking for a credit card just to pay bills with, this is likely your best option. Additionally, the S$20.0 quarterly fee is waived 3 years, and then simply with card use. Ultimately, if you are a local spender with a lower budget, you can make the most of your bill pay and earn no-fee cashback with Maybank Platinum Visa Card.

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  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance
  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance

Best Credit Cards for High Spenders & Recurring Monthly Bill Pay

If you’re a high spender and want to avoid limits on your earning potential, the following cards are some of the best options on the market, and even reward bill pay.

Best Rebate Card for Affluent HSBC Advance Customers: HSBC Advance Card

Consider this if you spend at least S$3,500 per month and are open to a bank account with HSBC

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

If you spend S$3,500/month, you can earn up to S$1,500/year with HSBC Advance Card–one of the best flat rebate cards on the market. Cardholders with Advance banking accounts earn 3.5% cashback on all spend after a S$2,000 minimum (2.5% if below), up to S$125/month. This includes for monthly recurring bill payments. Even more, HSBC Advance customers are exempt from the annual fee.

While great for Advance customers, HSBC Advance Card is a bit less competitive for non-customers. These cardholders earn 2.5% cashback after S$2,000 spend (1.5% if below), up to S$70/month. They also must pay a S$180.0 fee, though it’s waived with S$12,500 annual spend. Even non-customers can earn on bills, however, making HSBC Advance Card an excellent option if your a higher spender–though we’d definitely recommend checking to see if you qualify for an HSBC Advance account.

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  • Annual fee: S$180.0, 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
  • Annual fee: S$180.0, 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

Best Unlimited Cashback Card with Amex Benefits: American Express True Cashback Card

Consider this if you want unlimited amount of cash rebate and value American Express's services

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to S$60 voucher with S$500 spend in 1st month
  • Apply through MyInfo & receive S$20 CapitaVouchers upon 1st spend

High spenders often feel limited by typical, capped cashback cards. American Express True Cashback Card offers unlimited earning potential, including for recurring bill payments. Cardholders earn 1.5% flat cashback on all of their spend, boosted to 3% (up to S$150) during the first 6 months. No other unlimited card offers such a lucrative welcome deal. Even better, cardholders enjoy signature Amex benefits, like Global Assist and American Express Selects dining & lifestyle deals. True Cashback card-specific promotions often feature wedding and travel-related discounts. Overall, if you’re a high spender and Amex loyalist, American Express True Cashback Card is an excellent option for rewards on bill pay.

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  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC

Best Unlimited Card for Local High-Spenders: Maybank FC Barcelona Visa Signature Card

Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

Maybank FC Barcelona Visa Signature Card offers the highest unlimited cashback rate on the market for local spend. Cardholders earn 1.6% rebate (v. 1%–1.5%) on all local expenditures, including on recurring bill payments. This is an excellent option for people who typically spend S$7,000+/month and feel limited by capped cashback cards. It’s also best for local spenders (overseas spend earns 0.8 miles per S$1, worth about 0.8% rebate).

Another way in which Maybank FC Barcelona Card stands out is that unlike with competitors, cardholders can easily earn a fee-waiver. With just S$10,000 annual spend (less than S$1,000/month), cardholders are exempt from the S$120.0 fee. Finally, Maybank FC Barcelona Card comes with several distinct sports promotions and discounts with official FC Barcelona stores. If you’re an affluent local spender, this is the best card for both unlimited earning potential and rewards for bill payments.

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  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance

Best Luxury Travel Card for Monthly Bill Pay: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

If you're a high-income traveller looking to earn rewards for recurring bill-pay, Citi Prestige MasterCard is an option definitely worth considering. Cardholders earn 1.3 miles per S$1 locally and 2 miles overseas, plus 25,000 bonus miles (worth S$250) and up to 30% bonus on spend per year (based on tenure of relationship with Citibank). Citi Prestige Card is even better-known for its luxury perks, including unlimited lounge access, bonus hotel nights, free limo transfers, golfing privileges and access to JetQuay. These perks may just validate the S$535 annual fee.

Citi Prestige Card also offers access to the Citi PayAll programme. Cardholders can earn 1.3 miles per S$1 spend on taxes, rent, condominium management fees, school fees, and electricity bills. However, there's a 1.5–2% service fee, which outweighs rewards earned. As a result, this programme effectively offers an opportunity to "buy" miles at a discounted rate. Cardholders pay 1.15 cents/mile at the 1.5% rate, or 1.53 cents/mile at the 2% rate. These miles can often be redeemed at 4–8 cents value when booking first class, which is a great return on spend. As a result, Citi Prestige Card is a great option for recurring bill-pay if you'd like to enjoy luxury perks and simultaneously rapidly accrue "cheap" miles.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Miles Credit Cards for Paying Monthly Recurring Bills

Several travel cards offer miles for paying monthly recurring bills. We’ve identified the best and reviewed them below.

Best Travel Card for Welcome Miles: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to easily earn welcome bonus miles and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to 20,000 bonus KrisFlyer miles with S$10,000 spend within first 6 months
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards, S$20 voucher for MyInfo application
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000

American Express Singapore Airlines KrisFlyer Card is the absolute best card for earning welcome and bonus miles, including for paying your bills. Cardholders can earn 20,000+ miles within 6 months: 5,000 miles with the first charge, up to 15,000 with S$10,000 spend, 500 for the 1st Grab booking and S$150 credit to SIA after S$12,000 spend.

Consumers also earn 1.1 miles per S$1 spend (including on bill pay), 2 miles overseas in June & December, 2 miles for spend with SingaporeAir, SilkAir and KrisShop, and 3.1 miles on select merchants (Grab, Starbucks, Deliveroo & more). These rates definitely reward SIA loyalists. Rewards are also earned directly as KrisFlyer Miles, so there’s no need for conversions or transfer fees. Ultimately, if you’re looking for an easy-to-use miles card with special promotions and rewards for bill-pay, Amex SIA KF Card is the best option on the market.

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  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend with select merchants (Grab, McDonald's, Unity & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend with select merchants (Grab, McDonald's, Unity & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

Best for Rapid Mile Accumulation: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn up to 3 miles per S$1 spend on Grab (up to 320mi/mo)
  • Receive up to 12,000 welcome miles w/ S$4,000 spend in first 2 months
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

If you’re an above average spender, UOB PRVI Miles American Express Card is the best way to rapidly accumulate miles for spend, including on bill pay, and even comes with a fee-waiver. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major airlines & hotels–some of the highest rates on the market. In fact, travel cards with similar rates have annual fees of S$400+.

UOB PRVI Miles Card, on the other hand, has a S$256.8 fee which is waived with S$50,000 annual spend. At this spend level, cardholders are not only exempt from the fee–they also receive 20,000 bonus miles (worth S$200). Cardholders also receive free travel insurance and airport transfers. Ultimately, if you spend about S$4,200/month and want to rapidly accrue no-fee miles, UOB PRVI Miles Card is definitely the card for you.

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  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Travel Card for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • 21,000 bonus miles after paying 1st annual fee and spending S$7,500
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi PremierMiles Visa Card is a great option if you're seeking an affordable travel card with high rewards rates and top-notch perks. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas. What really stands out, however, is the welcome offer of up to 21,000 miles (worth S$210), followed by 10,000 annual renewal miles (worth S$100). These bonuses offset much of the S$192.6 annual fee. Even more, cardholders receive 2 free lounge visits per year as well as free travel insurance.

Citi PMV Cardholders can also earn 1.2 miles per S$1 spend on recurring bills through Citi PayAll. Taxes, rent, condominium management fees, school fees and electricity bills are all eligible. There is a 1.5–2% administrative fee, however, which outweighs the rewards earned. Nonetheless, using Citi PayAll in this fashion effectively enables the "purchase" of discounted miles. Cardholders can "buy" 1 mile for 1.25 cents at the 1.5% fee rate, or 1.67 cents at the 2% fee rate. Considering these miles can be redeemed for 4–8 cents value when booking first class, using Citi PayAll for bill pay can actually offer great return on spend. If you are a frequent traveller and are looking to accumulate cheap miles, you may want to consider Citi PMV Card.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Best Card for Cashback + Miles: HSBC Visa Platinum Card

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

HSBC Visa Platinum Card is one of the few options on the market that allows cardholders to earn both cashback and miles. After a S$600 minimum, cardholders earn 5% rebate on local dining, groceries & petrol. They also earn 0.4 miles per S$1 general spend, with no minimum requirement. While this rate may be low, it does include recurring bill payments. In addition, cardholders can earn up to S$250/quarter, and can avoid the S$180.0 fee with S$12,500 annual spend. Ultimately, HSBC Visa Platinum Card stands out for its flexibility, while also offering miles for bill pay.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell

Best Miles Card for Golfing Privileges: Maybank World MasterCard

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)
  • Free 2-Day, 1-Night Play & Stay Package at Mission Hills Golf Club with S$25k spend on card

Maybank World MasterCard is the best miles-earning golfers’ card on the market, offering 2 complimentary green fees every month at 120 fairways across 25 countries. The closest competitor offers access to just a fraction of this number. In addition, cardholders receive 10 points (4 miles) per S$1 spend with select dining and retail merchants, and 0.4 miles on general spend–including bill payments. While this may seem low, the competitor excludes bill pay from earning rewards altogether.

Finally, cardholders enjoy perks like free travel insurance & lounge access, and are exempt from the S$240.0 fee with S$24,000 annual spend. Ultimately, Maybank World MasterCard is an excellent option for frequent golfers, who may also want to charge their recurring bills.

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  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore

Rebate Credit Card for Essentials & Bill Pay: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$15 Watsons eVoucher with S$80 spend

POSB Everyday Card is a great all-in-one rebate card that rewards daily essentials and is even EZ-Link compatible. Cardholders earn 15% cash back on online food delivery & catering, 5% on dining & groceries, 10% on taxi rides & overseas, and 3% on health and wellness. While most of these categories are merchant restricted, they are–for the most part–individually capped at S$50/month, meaning cardholders can potentially earn more than S$200+/month in rebates.

POSB Everyday Cardholders also earn 1% on telco and electricity bills with select vendors (Best Electricity, Geneco, Ohm, iSwitch, SP Group, Tuas Power, Union Power, StarHub & more). This is great because many cards exclude bill pay from earning rewards. However, it is worth mentioning that earnings are capped at just S$1/month, which is quite minimal. Overall, however, POSB Everyday Card is a great general rebate card for its top rates in key categories, with the added convenience of EZ-Link functionality.

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
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Cash Back Card for Groceries & Bills: UOB Delight

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$100 cashback with S$1,000 spend in 1st month
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

With UOB Delight Card, you can earn up to 17% in cumulative discounts on groceries by purchasing house brands at Cold Storage, Market Place, Jasons, Giant and Guardian. While accessing these rates requires S$800 minimum spend, cardholders can earn 3% on recurring bills and contactless payments after just S$400 minimum spend–one of the lowest requirements on the market. This 3% applies to everything from Visa payWave purchases and Auto Top-Ups to bills for telcos, Prudential Insurance, United Overseas Insurance (OUI), Town Councils & more. Overall, if you’re looking for a grocery card that you can also use to pay bills, UOB Delight Card is the most likely to maximise rewards for your spend.

Read Our Full Review

  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell

Travel Card for Affordable Miles & Perks: DBS Altitude Visa Card

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card

Consider this if you want a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive up to 10,000 welcome miles with S$6,000 spend
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia

DBS Altitude Visa Card offers an affordable balance between high miles rewards rates and great travel perks, with the added benefit of a fee-waiver. Cardholders earn 1.2 miles per S$1 local spend–including on recurring bill payments–2 miles overseas, and 3 miles for online travel bookings. In addition, DBS Altitude Card offers privileges like free travel insurance, 2 free lounge visits/year, dining privileges & golfing privileges throughout SE Asia. These perks are often associated with far pricier travel cards, but DBS Altitude Card has a fee of just S$192.6, which is waived with S$25,000 annual spend. Ultimately, DBS Altitude Card is the best option for affordable perks & no-fee miles for paying your bills.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso

Summary of Best Cards for Paying Recurring Monthly Bills 2019

Below, we've summarized our picks for the best credit cards for paying recurring monthly bills in 2019.

CardBest for...Annual Fee
UOB OneBest Flat RebateS$192.6
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
HSBC AdvanceAffluent Advance CustomersS$180.0 (waiver)
Amex True CashbackUnlimited + Amex BenefitsS$171.2
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
Amex SIA KFBest Welcome MilesS$176.55
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
HSBC Visa PlatinumCashback + MilesS$192.6
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
CardBest for...Annual Fee
UOB OneBest Flat RebateS$192.6
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
HSBC AdvanceAffluent Advance CustomersS$180.0 (waiver)
Amex True CashbackUnlimited + Amex BenefitsS$171.2
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
Amex SIA KFBest Welcome MilesS$176.55
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
HSBC Visa PlatinumCashback + MilesS$192.6
Maybank WorldAir Miles for GolfersS$240.0 (waiver)

Compare the Best Credit Cards for Monthly Bills by Dollar Value

To help you find the best credit card for monthly recurring bill payments, we have prepared a chart below organizing credit cards by 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards for monthly bills compare to one another in terms of their rewards
Best Credit Cards for Monthly Recurring Bills By Estimated 2-Year Dollar Value

Footnotes

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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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