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Best credit cards for monthly bills

You can use credit cards for monthly bills to turn expenses into savings through cashback, rewards, rebates and exclusive offers.

Find out how you can pay for monthly expenses such as electricity, water, phone and the Internet with a credit card. In return, you can take advantage of cashback, rebates, discounts and rewards.

Use this guide to help you choose the right card to meet your individual circumstances and needs.

Best credit cards to pay bills

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
Receive up to S$200 cashback. T&Cs apply. Ends 31 Oct 2021.
S$0 annual fee
S$30,000
New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
POSB Everyday Card
Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery
Get S$200 cashback with promo code ‘200CASH' when you apply online. T&Cs apply
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$200 cashback with promo code ‘200CASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$800 within 60 days from card approval date. T&Cs apply. Valid until 30 Sep 2021.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas.
Get up to S$300 cash credit when you apply. T&Cs apply.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Receive up to 3,000 miles and up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive up to 3,000 miles and up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 Sep 2021.
UOB EVOL Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on online and mobile contactless spend.
S$192.60 annual fee
S$30,000
Receive up to S$300 cash credit when you apply for a new UOB EVOL Credit Card and spend a minimum of S$1,500 within 30 days from card approval date. First 100 successful applicants. T&Cs apply. Ends 30 Sep 2021.
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Receive up to S$300 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive up to S$300 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 Sep 2021.
HSBC Advance Credit Card
Receive up to S$200 cashback when minimum spend requirements are met.
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
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What bills can I pay using a credit card?

Credit cards can be a convenient way to pay regular bills. They are most commonly used for:

  • Utilities such as water and electricity
  • Telecom services, both landline and mobile
  • Insurance premiums
  • Internet and cable TV
  • Subscription TV services, like Netflix and Hulu

Not all companies and services accept credit card payments. This is often due to the processing charges that they incur. It is unlikely that you will be able to use a credit card to pay for:

What types of credit cards can you use to pay monthly bills?

There are several types of credit cards that reward you for paying monthly bills. They are:

  • Cashback credit cards. This type of card gives you perks in the form of dollars or credit on your account.
  • Rewards credit cards. Take advantage of points for your everyday spending, which can be redeemed for a range of lifestyle rewards.
  • Miles credit cards. These cards allow you to earn frequent flyer points directly as you charge purchases to your card.
  • Business credit cards. Benefits include the chance to free up business cash flow, add extra cardholders and accrue rewards (but be aware that certain expenses may not be eligible).

Choose the card that gives you the benefits you want. However, be aware that some cards limit the rewards you can earn. For example, a miles card may not earn you anything if you only use it to pay for your utility bills.

So, is it smart to pay my bills with a credit card?

As long as you commit to paying your credit card balance on time – and in full – each month, then it can be a good idea to pay your bills via your plastic. That’s because by meeting your payments you could get the added benefit from a range of cardholder perks. Plus, multiple payments can be managed in more easily. However, you should never consider putting bills on a credit card if you can’t afford to pay them back.

Pros and cons

Using a credit card for your monthly bills has its advantages and disadvantages.

Pros

  • You can earn rewards on unavoidable expenses
  • The annual fees are often waived, at least for a year
  • Automatic billing can make paying simpler and more convenient

Cons

  • Minimum spend requirements can lead to overspending
  • Most cards have interest rates if you miss a payment or are late on a payment
  • It can be difficult to keep track of your expenses if you opt for automatic billing

Frequently asked questions

Can I use these credit cards only for regular monthly payments?

No, you can charge a very wide range of expenses to your credit cards. The general exceptions are loan repayments. However, you may not earn as many rewards (or any at all) for one-off payments.

No single card offers all the benefits I want. Should I apply for more than one card?

You may apply for more than one card and be approved if you meet the card providers’ criteria. However, keep in mind that every financial decision has an impact on your credit score. A sudden surge in your credit limit raises red flags that may affect your financial standing.

If I switch telco or utility providers in the middle of the card’s validity period, will I still earn rewards?

This depends on the credit card provider. Some have exclusive tie-ups with certain telco or utility companies and will only reward you as long as you use its partners. Others may offer different rewards rates for different companies.

Does paying bills with your credit card hurt your credit score?

Typically, No. But don’t forget, even missing just one payment is enough to bring down your score a lot. A great way to avoid this situation is to set up recurring bill payments on your account.

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