Best Credit Card for Telco Bills (Singtel, Starhub, M1 & SIM Only Data Plans)
Singaporeans own 2 to 3 screens on the average. Of course, a mobile smartphone is a must. That means that virtually everyone pays telco bills, either to Singtel, Starhub, M1 or the new MVNOs. But you can be smart (MoneySmart!) about it. Charging your recurring telco bills to a suitable credit card can generate anywhere between 1.5% and 8% worth of cashback.
Best Credit Cards for Paying Telco Bills (2025)
You're someone who doesn't want to blindly pay your telco bills month after month. You're thinking there must be a way to earn cashback or miles. You're right!
Check out these credit cards for paying telco bills
Best Credit Cards for Recurring Bill Payments (2025)
| Credit Card | Recurring Bill Payments | Min spend |
|---|---|---|
| Credit Card Maybank Family & Friends Card | Recurring Bill Payments Up to 8% cashback on mobile and home internet plans | Min spend None |
| Credit Card UOB One | Recurring Bill Payments Up to 4.3% cash rebate on SP Power utilities bill | Min spend $500 - $2,000 |
| Credit Card OCBC 365 Credit Card | Recurring Bill Payments 3% cashback on recurring bills from 3% cashback on recurring bills from StarHub, Singtel, M1, MyRepublic, CirclesLife, as well as recurring electricity bills (Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power) | Min spend $800 |
| Credit Card Maybank FC Barcelona Visa Signature card | Recurring Bill Payments 1.6% cashback on all local spend, excluding town council and insurance premiums | Min spend None |
| Credit Card HSBC Advance Credit Card | Recurring Bill Payments 1.5% cash back on recurring telco and utility bill payments | Min spend None |
How do you choose a good credit card for telco bills?
Generally, there are two types of credit cards that are suited for paying telco bills. The first type only rewards you for the incumbent companies: Starhub, Singtel and M1. The second covers other SIM Only Data Plans. Usually, the higher the minimum spend, the higher the cashback. Maybank Friends & Family Card offers you up to 8% off recurring bills from Starhub, Singtel, M1, Circles Life and MyRepublic if you spend a minimum of $800. It’s 5% cashback if you only hit $500. OCBC 365’s minimum spend is $800 and it offers 3% off telco, utility and electricity bills. HSBC Advance gives you 1.5% cashback on your telco bills with no minimum spend. It’s suitable for cardholders who already use a powerful catch-all credit card that excludes bill payments.
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Frequently Asked Questions
How can I use credit card to pay my phone bills?
- You can use your credit card to pay your phone telco bills (Singtel, M1 or Starhub) by setting up a recurring payment. Either do it from the bank side using a bill payment service or download the recurring credit card payment form from your telcos. If you have already input your billing details when signing up for a plan from a digital MNVO like Circles Life or MyRepublic, the charges are automatically charged to your credit card.
Which credit card is best for paying bills?
- Some of the best credit cards for paying bills overall are: Maybank Friends & Family Card, OCBC 365 and HSBC Advance. Of course, you need to know whether the card suits your lifestyle by checking out the different spend categories they reward you for as well as each card's minimum spending requirement.
Is it better to pay telco bills with credit or debit?
- When you use a debit card, you are paying from your savings balance. This makes it easy to budget and you won't get into credit card debt. On the downside, debit cards generally don't reward you for spending. Of the few debit cards that offer cashback, telco bills do not qualify. So, our recommendation is to use a credit card if you are disciplined about usage as you get cashback.
