Best Credit Cards for Monthly Recurring Bill Payments 2021

- April 8, 2021

An average household spends about 15% of their budget on monthly recurring bills like telecom, insurance and utilities. After careful analysis of 100+ credit cards in Singapore, our experts identified and compared the best credit cards for monthly bill payments below, allowing you to spend more on other areas of your life.

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Petrol
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Travel
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Entertainment
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Monthly Spending Breakdown
General
S$
Petrol
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Shopping
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Dining
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Groceries
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Travel
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Entertainment
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Medical
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Transportation
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Phone & Internet
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Utilities
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Overseas
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Change Spending Profile
{"defaultRewardsCategory":"utilities","defaultRewardsType":"all","defaultUserIncome":"60000","defaultUserSpendTotal":"2000","endpoint":"http:\/\/mongogateway.valuechampion.sg\/Gateway","defaultSort":"value"}

Summary of Best Cards for Paying Recurring Monthly Bills 2021

Below, we've summarized our picks for the best credit cards for paying recurring monthly bills in 2021.

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)
UOB PRVI MilesRapid MilesS$256.8 (waiver)
HSBC Visa PlatinumCashback + MilesS$192.6
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)
UOB PRVI MilesRapid MilesS$256.8 (waiver)
HSBC Visa PlatinumCashback + MilesS$192.6

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.