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 (2024)
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
Standard Chartered Smart Credit Card Telco Bill Cashback
Standard Chartered Smart Credit Card
- on spends above S$1,500 on Bonus Categories
- 10% Bonus Cashback
- on spends above S$800 on Bonus Categories
- 8% Bonus Cashback
- on spends below S$400 on Bonus Categories
- 4% Bonus Cashback
Get S$230 Cash via PayNow or 2,990 SmartPoints when meet the spend criteria. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply.
HSBC Advance Credit Card Telco Bill Cashback
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HSBC Advance Credit Card
- Base Cashback
- 1.5%
- Cashback when you spend more than S$2,000
- 2.5%
- Cashback Cap per month
- S$70
Get S$199 Cash via PayNow or 3,500 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
For HSBC Advance Credit Card, you can get a maximum cashback of 3.5% if you are also an HSBC Advance Banking customer and consistently spend $2,000 a month.
UOB One Card Telco Bill Cashback
UOB One Card
- Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
- Up to 20%
- Cashback Cap per quarter
- Up to S$500
- Min. Spend per month
- S$500
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: Get up to 20% Cashback on daily favourites like Shopee, Grab, McDonald's, SimplyGo and DFI Retail Group! T&Cs apply.
UOB One Card offers up to 5% cash rebate on all spend (with some exclusions) if you can spend a minimum of $2,000 every month consistently. This “up to 5%” is actually a flat quarterly rebate based on minimum spending. Telcos and SPH subscriptions qualify.
Spend $500 or $1,000 every month in the quarter earns you $50 and $100 rebate respectively, which translates to up to 3.33%.
OCBC 365 Telco Bill Cashback
OCBC 365 Credit Card
- Cashback on Fuel Spends
- 6%
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
Maybank FC Barcelona Visa Signature Telco Bill Cashback
Maybank FC Barcelona Visa Signature
- on All Local Spend
- 1.6% Unlimited Cashback
- on Spend in Foreign Currency
- S$1 = 2X Points
- Min. Spend per month
- S$0
Best Credit Cards for Recurring Bill Payments (2024)
| Credit Card | Recurring Bill Payments | Min spend |
|---|---|---|
| Maybank Family & Friends Card | Up to 8% cashback on mobile and home internet plans | None |
| UOB One | Up to 4.3% cash rebate on SP Power utilities bill | $500 - $2,000 |
| OCBC 365 Credit Card | 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) | $800 |
| Maybank FC Barcelona Visa Signature card | 1.6% cashback on all local spend, excluding town council and insurance premiums | None |
| HSBC Advance Credit Card | 1.5% cash back on recurring telco and utility bill payments | 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.
Exclusive: Most Popular Credit Cards in Singapore
MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!
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.
