Best Credit Cards for Monthly Recurring Bill Payments 2020

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, we've identified and compared the best credit cards for monthly bill payments below, allowing you to spend more on other areas of your life.

Best Credit Cards for Monthly Recurring Bills
Best for CashbackUOB One5% flat rebate for S$2k/mo spend
OCBC 365Rebates on essentials with easy fee-waiver
Online Bill-PayHSBC Revolution2 miles per S$1 online spend (inc. transit, ins. premiums)
Low SpendersMB Platinum VisaEarn S$30/quarter w/ S$300 monthly spend
High SpendersHSBC AdvanceUp to 3.5% cashback capped at S$125/month
Amex True CBUnlimited 1.5% rebate + Amex benefits
Best for MilesKrisFlyer UOBUp to 3 mi/S$1 on dining, shopping & more
Cashback + MilesHSBC Visa PlatRebates on local dining & entertainment, miles for general

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:
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill

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% general cashback, up to S$300/quarter (S$100/month)–with rates boosted to 10% on Grab & select UOB Travel and 6% for utilities bills. 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 on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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 Programm
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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 Programm

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:
  • Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores

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

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

Consider this if you're a family shopper with a diversified budget

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$1.2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

POSB Everyday Card is a great all-in-one rebate card that rewards daily essentials and even has ABT/SimplyGo capabilities. While promotional rates change with time, cardholders can typically earn up to 15% cash back in categories such as online food delivery & catering, dining, groceries, transport, and personal care. Some, but not all, of these categories are merchant restricted.

POSB Everyday Cardholders also can typically 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. However, POSB Everyday Card is a generally a great rebate card for its top rates in key categories, with the added convenience of ABT/SimplyGo functionality.

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  • 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)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares
  • 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)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares

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 Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in 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:
  • Apply for card & new Creditable acct. to receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)

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 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 have a limited budget, you can make the most of your bill pay and earn no-fee cashback with Maybank Platinum Visa Card.

Read Our Full Review

  • 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
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • 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
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • 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 Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in 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:
  • 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$60 CapitaVoucher w/ S$1k spend in 1st mo (new customers); existing customers receive S$30 voucher

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 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 Miles for Young SIA Loyalists: KrisFlyer UOB Credit Card

Consider this if you're a budget traveller who prefers flying with SIA

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)

If you're a young budget-conscious traveller who also wants to earn miles on utilities bills, you may want to consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 spend on general local and overseas transactions, including utilities. This rate is elevated to 3 miles per S$1 for SIA brand transactions (SIA, Scoot, SilkAir, KrisShop) and then–after S$500 annual SIA spend–for dining & online food delivery, transport (including BUS and MRT) and online fashion shopping & travel bookings. Given these spend categories, KF UOB Card is a great match for young adults who tend to have a higher concentration of spend in these areas.

KF UOB Card's perks are also ideal for a budget traveller. Cardholders enjoy privileges with Scoot, SIA's low-cost carrier, such as baggage allowance upgrades, priority check-in & boarding, free standard seat selection and booking flexibility waivers. Other perks include S$15 worth of Grab rides to and from Changi Airport, another S$15 towards ChangiWiFi, and a S$20 rebate at KrisShop after a S$100 nett transaction. Given the card's 10,000 annual miles bonus (worth about S$100)–which offsets the S$192.6 annual fee–KF UOB Card is also very affordable. If you're willing to commit to flying with SIA and want access to practical perks, you should definitely consider KrisFlyer UOB Card.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more

Beginner Travel Card: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to earn hassle-free miles and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$5k w/in 1st 3mo, receive 8k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • 500 bonus KrisFlyer miles w/ 1st Grab booking

American Express Singapore Airlines KrisFlyer Card offers travellers KrisFlyer miles on nearly all of their spend, including on most monthly bill payments. Cardholders 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 Grab transactions. 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 that rewards for bill-pay, Amex SIA KF Card is worth considering.

Read Our Full Review

  • 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 on Grab transactions (up to 620 mi/mo)
  • 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 on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

Best Miles Card for Travel Membership Upgrades: American Express Singapore Airlines KrisFlyer Ascend Card

Consider this if you prioritise luxury perks like flight & hotel membership upgrades

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 500 bonus KrisFlyer miles w/ 1st Grab booking

American Express Singapore Airlines KrisFlyer Ascend Card is a great option for people seeking unique travel perks without having to pay an exorbitant annual fee. Cardholders earn 1.2 miles/S$1 general spend, 2 miles with SIA brands and overseas in June & December, and 3.2 miles on Grab transactions. What differentiates Amex SIA KF Ascend Card is that it provides cardholders with access to exclusive membership upgrades, including Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus. These perks are complemented by 4 free lounge visits/year, 1 free hotel night and free travel insurance.

Even with these exclusive travel benefits, Amex SIA KF Ascend Card costs just S$337.05 in annual fees. This is far lower than the S$500+ charged by travel cards with comparable perks. It's also helpful that even spend on insurance payments is eligible for rewards. Overall, if you're looking for exclusive perks and upgrades to improve your travel experience, you may want to consider Amex SIA KF Ascend–especially if you're hoping to save on an annual fee.

Read Our Full Review

  • Annual fee: S$337.05
  • 1.2 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
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Annual fee: S$337.05
  • 1.2 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
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status

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:
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo

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 6 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.

Read Our Full Review

  • 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, 6 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, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

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 Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in 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.

Read Our Full Review

  • 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

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:
  • Now with SimplyGo compatibility

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

Summary of Best Cards for Paying Recurring Monthly Bills 2020

Below, we've summarized our picks for the best credit cards for paying recurring monthly bills in 2020.

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.

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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