Best Credit Cards: Recurring Bill Payments

Pay your recurring electricity, utilities, telco and town council bills with these credit cards for rebates or rewards. Read More
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We found 12 Credit Cards for you!
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Citi PremierMiles Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | EARN CITI MILES

Citi PremierMiles Card

All Local Spend
S$1 = 1.2 miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2.2 miles
Annual Fee
S$196.20
Apply and redeem any of these rewards

Get S$400 Cash or 6,140 SmartPoints, and a S$50 Trip.com Hotel Coupon in as fast as 5 weeks when you spend S$500 within 30 days. 
 
PLUS get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.

Valid until 07 Apr 2025 - See more details below
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UOB One Card
Online Promo
UPSIZED CASHBACK | Up to 20% Cashback!

UOB One Card

Cashback on Singapore Power Utility Bills
Up to 4.33%
Cashback on Telco Bills
Up to 3.3%
Min Spend per Month
S$500
Online Promo:
Get S$350 cash credit when you are the first 200 new-to-UOB credit card customers in April 2025 who successfully apply for an eligible UOB Credit Card between 1 April 2025 and 30 April 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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OCBC 365 Credit Card
MoneySmart Exclusive
High Spend on Dining
Promotion ends in 5h:23m

OCBC 365 Credit Card

Cashback on Utility Bills
3%
Cashback on Telco Bills
3%
Min Spend per Month
S$800
Apply and redeem any of these rewards

Get 1,265 SmartPoints or S$100 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.

Valid until 02 Apr 2025 - See more details below
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Citi PremierMiles Card + Citi Wealth First Account
BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY

Citi PremierMiles Card + Citi Wealth First Account

on Foreign Currency Spend
S$1 = Up to 2.2 Miles
on your Citi Wealth First Account
Up to 7.51% Interest
Application Journey for the Bundle
Single
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POSB Everyday Card
Online Promo
Earn Cash Rebates that Never Expire

POSB Everyday Card

Cash rebates on selected Utilities provider
Up to 3%
Cash Rebate on selected Telco bills
Up to 3%
Min Spend per Month
S$800
Online Promo:
Get S$300 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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CIMB World Mastercard
Online Promo
Earn up to 2% unlimited cashback!

CIMB World Mastercard

With CIMB 0% i.Pay Plan
0% Interest Instalments Payments
One Time Processing Fee
3% to 5%
Tenure
6 to 24 months
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2025 - See more details below
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Citi Prestige Card

Citi Prestige Card

for every S$1 spent overseas
5 ThankYou Points (2 miles)
for every S$1 spent locally
3.25 ThankYou Points (1.3 miles)
Complimentary Airport Lounge Access
Unlimited
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Maybank Family & Friends Card
Earn up to 8% Cashback

Maybank Family & Friends Card

N/A
N/A
Cashback Per Month
Up to S$150
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NTUC Link Credit Card by Trust
Online Promo

NTUC Link Credit Card by Trust

savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
Online Promo:
Receive S$10 FairPrice E-Voucher when you make your first Trust Link / NTUC Link credit card spend. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide

DBS Vantage Visa Infinite Card

Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
Min. Spend per month
S$0
Online Promo:
Get up to 85,000 miles (for New Cardmembers) when you apply for a DBS Vantage Infinite Card!

Get 60,000 miles when you make a min. spend of S$4,000 within 30 days of card approval, and 25,000 miles when you pay the card's annual fee! T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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OCBC Great Eastern Cashflo Credit Card

OCBC Great Eastern Cashflo Credit Card

if monthly bill is above S$1,000
Up to 1.2% Cash Rebate
if your monthly bill is less than S$1,000
Up to 0.3% Cash Rebate
when you split your bills into 3, 6 or 12-month instalments
0% Interest
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Citi M1 Credit Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT

Citi M1 Credit Card

on eligible Entertainment Spend
Earn 4.7% Bonus Citi Rebate
on M1 Telco Bill Charges
Enjoy 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops
Enjoy 2.7% Bonus Citi M1 Rebate
Apply and redeem any of these rewards

Get S$370 Cash or 6,140 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days.
 
PLUS get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.

Valid until 07 Apr 2025 - See more details below
Apply Now
Apply Now
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Credit Card in Singapore 2025

Credit CardBest ForReward Type
Citi Cash Back CardSavings on dining, grocery and grab spendingsCashback
Citi PremierMiles CardEarning bonus miles that do not expireMiles
American Express Singapore Airlines KrisFlyer Ascend Credit CardConvenience and perks for frequent flyersMiles
Standard Chartered Simply Cash Credit CardUnlimited cashback with Ez-link capabilitiesCashback
UOB One CardCard and Savings Account BundleCashback
DBS Live Fresh CardHighest cashback on any contactless paymentCashback
HSBC Advance Credit CardNewlyweds and married couplesCashback
American Express The Platinum Card®High Net-worth IndividualsReward Points
UOB EVOL Credit CardDining and EntertainmentCashback
Standard Chartered Smart Credit CardNetflix, Spotify, fast food dining and public transportCashback

With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.

What you can get using Smartpoints

Compare Credit Cards for Everyday Use

When comparing the best credit cards for rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. American Express Singapore Airlines KrisFlyer Card: Use for earning KrisFlyer miles

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. Standard Chartered Simply Cash Credit Card : Use for unlimited cashback
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. American Express CapitaCard: Use for shopping at CapitaLand Malls to earn cash rebates
  3. DBS Woman's World Card: Use for free gym memberships

Credit Cards Recommendations

Discover the ultimate credit card recommendations designed to cater to your diverse financial needs. Whether you're a jetsetter, cost conscious individual, or on the hunt for exclusive deals, read our list of articles to find your perfect card.

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Promotions

Travelling

Customer Type

Petrol

Grocery and Bills Payment

Transportation

Entertainment

Cashback

The Ultimate List of Credit Card Reviews in Singapore

Delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We’ve done the dirty work so you don’t have to.

Read Card Reviews

What customers are saying about our credit cards (From Google Reviews)

⭐⭐⭐⭐⭐

Review by Nguyen Tung Lam

"Applying for credit card and claiming gift was a smooth and pleasant process that was all done online. The wait for the gift was not terribly long either. I'm a happy customer :) "

As seen on Google

⭐⭐⭐⭐⭐

Review by Dominic Koh

"Been signing up for my credit cards through Moneysmart, seamless process everytime. I personally prefer the sign up gifts offered by Moneysmart, and fulfilment of the gifts has not been an issue so far. Keep it up Moneysmart team!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jude Lu

"Great credit card promotions! I needed some help with some of their campaign rewards and my email was replied within 1 business day. Thanks!"

As seen on Google

Visa Card vs Mastercard vs American Express

At some point in your life, you’ll probably wonder if there’s a difference between a Visa card and Mastercard (and maybe American Express). Visa, Mastercard and Amex are the 3 big global payment networks. This means they handle all the technical back-end stuff that makes it possible to pay with your credit card anywhere in the world. Visa and Mastercard are extremely widely accepted worldwide, both online and offline. Both payment networks are easy and secure to use. Visa has a slight edge in terms of acceptance, but really, you’ll be fine with either. American Express is a bit less widely accepted globally. However, many people still love using Amex because they have an excellent reputation for customer care. Whichever payment network you choose, you can get a credit card from a bank like DBS or UOB. Note that American Express also issues its own credit cards, even though it’s not a bank.

Which Credit Card is the Best in Singapore?

With so many credit cards in Singapore to choose from, it can be difficult to narrow down the best credit cards to suit your lifestyle. Unfortunately, there’s no single best credit card in Singapore. You’ll have to choose the best one for you. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, then it makes sense to get a card with rewards points for dining out and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter - only you can decide how you prefer to be rewarded. Make use of the ongoing credit card promotions to enjoy the full benefits of the card rewards on top of the promotion offer.

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Minimum Balance Payment for Credit Cards

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

Unlock KrisFlyer Miles with the Best Credit Cards

Ready to travel? Earn KrisFlyer miles and make your dream vacations more affordable. Enjoy luxury flights, upgrades, and more, all without the extra cost!

Read our guide!

Annual Fees are NOT the Only Credit Card Fee!

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Foreign Transaction Fees

This is a fee imposed on overseas spending - whether it’s while you’re traveling or even when making an online purchase on a foreign website. This is usually 2.5% to 3.25% on top of the prevailing foreign exchange rate.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 8% of the transaction amount.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2% to 4.5% of the amount transferred.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.

What if I only make the minimum payment on my bill?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)

What are the hidden credit cards benefits?

Did you know? Credit cards benefits include travel insurance coverage and rental car insurance and many other perks such as access to airport lounges however these benefits can vary depending on the credit card issuer and card type. If you are looking for the best car insurance quotes, our specialists will find it for you!

What are SmartPoints?

SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

What can I use SmartPoints for?

SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.

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