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Best Cards For Utilities

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Chocolate Visa Debit Card

Earn 1 mile per dollar on almost everything — including Insurance, Utilities, & Hospital Bills.

Only Bill Payments are capped at 100 miles per month, everything else earns uncapped.

UOB One Card

Earn at least up to 10% cashback on most local spend

AMEX True Cashback Card

Earn 1.5% unlimited cashback on almost everything

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lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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HSBC Revolution

Get Xiaomi Smart Air Purifier Elite EU or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 5, 2026

DBS YUU

Get S$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Headphones or Samsonite STRAREN SPINNER 67/24 or Stryv AirFlex 2.0 or Xiaomi W20 Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: January 12, 2026

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Apple Watch SE Gen 3 40mm (GPS + Cell) or Dyson Airstrait™ straightener or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: January 1, 2026

HSBC Live+

Get Xiaomi Smart Air Purifier Elite EU or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 5, 2026

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

HSBC Revolution

Get Xiaomi Smart Air Purifier Elite EU or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 5, 2026

dbs yuu cardface

DBS YUU

Get S$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Headphones or Samsonite STRAREN SPINNER 67/24 or Stryv AirFlex 2.0 or Xiaomi W20 Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: January 12, 2026

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Apple Watch SE Gen 3 40mm (GPS + Cell) or Dyson Airstrait™ straightener or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: January 1, 2026

HSBC Live+

Get Xiaomi Smart Air Purifier Elite EU or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 5, 2026

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Chocolate Finance

Currently, there is no sign-up bonus, but you can earn 250 Max Miles when you register for a HeyMax account.

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Chocolate Finance

  • Earn 1 Max Miles per dollar on the first S$1,000 spent each month
  • Earn 0.4 Max Miles per S$1 after S$1,000 spend
  • Bill payments will continue to earn miles, but will be capped at 100 miles per month
  • Earn miles on insurance payments, charity donations, utilities, education fees, and AXS Bill payments
  • Zero foreign exchange fees — Visa’s exchange rates are passed directly to you with no hidden fees or markups

 

Know what this card is best for

UOB One Card

Flash Deal:

  • Get S$120 Cash via PayNow or S$130 Grab Voucher when your are among the first 300 successful new-to-bank cardholders and spend S$500 within 30 days of card approval
  • This will be in place of the existing rewards
  • Remaining applicants will receive the existing rewards
  • Valid from 10-31 December 2025

Existing Rewards:

  • Get S$80 Cash via PayNow or S$85 Grab Voucher when you spend S$500 in the first 30 days from card approval date
  • Valid until 31 December 2025
  • Valid for New-to-Bank Cardholders
  • Read Terms and Conditions here

UOB One Card

  • Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback:
      • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 5%
      • Grocery (MCC 5411): 2.67% – only for Tier 2
  • Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback: 3.33% cashback (capped at S$200 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 6.67%
      • Grocery (MCC 5411): 4.67%

Tier 1
Tier 2
Tier 3
Minimum Spend
S$600
S$1,000
S$2,000
Minimum Transaction Count
10
10
10
Base Cashback per quarter
3.33% (S$60 cashback)
3.33% (S$100 cashback)
3.33% (S$200 cashback)
Additional Cashback on Selected Spends
5%
5%
6.67%
Additional Cashback on Grocery Spend New
2.67%
4.67%
Total
up to 8.33%
up to 8.33%
up to 10%
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
  • Earn up to 22.66% fuel savings at Shell and SPC
  • Earn 4.33% cashback on Singapore Power utilities bills

 

Annual Fee
  • S$196.20, waived for the first year

 

Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (foreigners)

 

When Cashback is Credited
  • The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

AMEX True Cashback Card

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AMEX True Cashback Card

  • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
  • Best used on commonly excluded merchants
 
Annual Fee
  • S$174.40 (incl. of 9% GST) waived for the first year
 
Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)
 
When is Cashback Credited
  • Receive cashback in the same month’s statement
 
Know what this card is best for

Terms and Conditions

Read Full Review

DCS Flex Card

NIL

DCS Flex Card

  • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
  • Earn up to 2.4 miles per dollar
  • Earn up to 8% cash rebates
  • Earn up to 8% investment credits
  • Minimum monthly spend of S$600
  • Capped at:
    • Miles: 750 miles per category; total 3,000 miles for all 4 categories
    • Cash Rebates: S$25 per category, total S$100 for all 4 categories
    • Investment Credits: S$25 per category, total S$100 for all 4 categories

 

Annual Fee
  • Monthly service fee of S$15, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) – effective 1 July 2025, this will be decreased to S$10

 

Income Requirement
  • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

 

Where and how will I receive the miles/cashback/investment credits
  • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
    • Here’s how to redeem:
      • Open the DCS Cards App and go to the Rewards Tracker screen
      • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
      • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
  • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
  • Investment Credits will be deposited to your designated iFast account on the following month.
 
Know what this card is best for


Terms and Conditions
Read Full Review

Mari Credit Card

  • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
  • You must be among the first 500,000 New Mari Credit Card Holders
  • Must be a new-to-bank customer
  • Valid until 31 December 2025
  • Read Terms and Conditions here

Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

Mari Credit Card

  • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
  • Earn 1.7% Unlimited Cashback on eligible card spend
  • No minimum monthly spend requirement and no maximum cashback cap

 

Annual Fee
  • None

 

Income Requirement
  • S$30,000 (Singaporeans or PR)

 

When is Cashback Credited
  • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

 

1.7% Cashback Terms and Conditions

3% Shopee Coins

3% Overseas Spend

Read Full Review

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Trust Cashback Card

  1. Get one (1) scratch card worth up to S$1,000 in cashback when you use the code: FYS31XY4

2. Lucky Draw: Get 3 chances to win XPENG G6 Electric Car when you apply for any trust card

  • Valid until 31 December 2025
  • Open to new and existing Trust customers as long as the account is of valid and good standing
  • T&Cs

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Trust Cashback Card

  • Earn unlimited 1% cashback on overseas spending.
  • A great option for overseas transactions.
  • No need to transfer money like a multi-currency card when tapping at a payment terminal or making online purchases abroad.

Citi Rewards Card

Option 1: Direct Bank Promotion

  • Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
  • Valid til 28 February 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

Flash Deal:

  • Get PS5 Digital Slim (worth S$669) when you are among the first 2 applicants at 2PM & 8PM daily
    • Pro Tip: Set your alarms at exactly 2PM & 8PM, do not click before time
  • This will replace the usual rewards
  • Remaining applicants will get the remaining rewards
  • Valid from 24 December 2025 – 01 January 2026

 

Usual Rewards:

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or  S$430 Grab Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 16 December – 01 January 2026
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!
  •  

Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

Income Requirement
  • S$30,000 (locals/PRs); S$42,000 (foreigners)

 

Points Expiry
  • After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

 

Transfer Partners
  • Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

amaze cardface

Instarem Amaze

How To Apply an Instarem Amaze Card:

1: Download the Instarem app and create an account

2: Link your mastercard to amaze

3: Start using your card

Receive bonus instapoints with code “Ac6aso

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Instarem Amaze

Amaze Card: Think of it as a smart hub for up to 5 Mastercards. Pay with just one card and still enjoy the rewards from your linked cards.

  • Earn card reward points (must use correctly).
  • Get lowered fx spread of 2+% instead of usual bank card’s FX markup of 3.25% to 3.75%
  • 1% fee on all SGD Spends

 

Amaze Wallet: Like a digital travel wallet, it lets you store multiple currencies and lock in great exchange rates ahead of time—perfect for easy, cashless spending overseas.

  • Overseas ATM Withdrawals
  • Exchange and hold 11 currencies: SGD, MYR, THB, USD, EUR, CHF, NZD, CAD, AUD, GBP, JPY 
  • Wallet limit of S$15,000 per transaction, up to S$75,000 in calendar year
  • Transfer balance from amaze wallet directly to bank account
  • Set spend limits by daily or per-transaction for security
  • Earn 0.5 Instapoints per dollar on local or overseas spend, no cap
  • Fee-free on currency exchanges in wallet
  • 2% ATM withdrawal fee

 

Full Review

DBS Woman’s World Card

This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

DBS Altitude Card

Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per membership year (Visa version only)

DBS Woman’s World Card

  • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,000 spending per calendar month
  • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
  • No minimum monthly spending required
  • Best used for online or in-app spend (e.g Kris+) locally

 

Annual Fee
  • S$196.20, (First year waived)

 

Income Requirement
  • S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

 

Points Expiry
  • 1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

 

Transfer Partners
  • KrisFlyer, Asia Miles, Qantas Frequent Flyer

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

UOB Visa Signature Cardface

UOB Visa Signature

  • Get S$350 cash credit when you successfully apply, part of the first 200 new-to-UOB credit card customer and spend S$1,000 per month for 2 consecutive months
  • Valid until 31 August 2025
  • Read Terms and Conditions here
UOB Visa Signature Cardface

UOB Visa Signature

    • Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
    • Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
    • Spending Cap:
      • Until 1 August 2025 Statement:
        • Combined cap of S$2,000 per statement month
      • From 1 September 2025 Statement – Split into 2 categories:
        • Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month

        • Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month

          Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

     
    Annual Fee
    • S$218 first year waived

     

    Income Requirement
    • S$50,000 (locals/PRs); S$40,000 (foreigners)

     

    Points Expiry
    • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

     

    Terms and Conditions

    Read Full Review

    Maybank World Mastercard

    • Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
    • Fill up this google form after signing up to qualify for rewards
    • Read Terms and Conditions here

    Maybank World Mastercard

    • Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
    • Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
      • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
      • Earn 2.8 miles per dollar when you spend a minimum of S$800
      • Earn 0.4 miles per dollar when you spend below S$800
    • Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

    This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

     

    Annual Fee
    • S$240, waived for the first year

     

    Income Requirement
    • S$80,000 (locals/PRs)

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    UOB Evol Card

    Flash Deal:

    • Get S$120 Cash via PayNow or S$130 Grab Voucher when your are among the first 300 successful new-to-bank cardholders and spend S$500 within 30 days of card approval
    • This will be in place of the existing rewards
    • Remaining applicants will receive the existing rewards
    • Valid from 10-31 December 2025

    Existing Rewards:

    • Get S$80 Cash via PayNow or S$85 Grab Voucher when you spend S$500 in the first 30 days from card approval date
    • Valid until 31 December 2025
    • Valid for New-to-Bank Cardholders
    • Read Terms and Conditions here

    UOB Evol Card

    • Earn 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
    • Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
    • Earn 1% cashback on ALL Overseas Foreign Currency Spends (until 31 December 2025)
    • 0.3% cashback for all other spends
    • Minimum spend of S$800 each statement month
    • S$100 total cashback cap (until 31 December 2025) per statement month, capped at:
      • S$30 – online & mobile contactless
      • S$20 – selected gym, telco, and streaming services
      • S$20 – all overseas foreign currency spend
      • S$30 – other spends
    • Max possible cashback of 6.4% earned (not 10%)
    Annual Fee
    • S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months
    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (Foreigners
    Know what this card is best for:

    Terms and Conditions

    Read Full Review

    Citi SMRT Card

    Option 1: Direct Bank Promotion

    • Get S$400 cashback when you spend S$800 within 2 months from card approval
    • Valid til 15 January 2026
    • Read Terms and Conditions here

     

    Option 2: Singsaver Promotion

    Flash Deal:

    • Get PS5 Digital Slim (worth S$669) when you are among the first 2 applicants at 2PM & 8PM daily
      • Pro Tip: Set your alarms at exactly 2PM & 8PM, do not click before time
    • This will replace the usual rewards
    • Remaining applicants will get the remaining rewards
    • Valid from 24 December 2025 – 01 January 2026

     

    Usual Rewards:

    • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or  S$480 Grab Voucher or S$450 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
    • Valid from 16 December – 01 January 2026
    • Promotion is valid for new to bank credit card holders
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email and complete the registration to secure your reward!

    Citi SMRT Card

    • Earn 5% cashback on groceries, online shopping, taxi rides (including private hire operators) and SimplyGo. This card is best used for those who need to make big purchases online may it be per month or in a single transaction because of its high spending cap in a year! Although you can use it on SimplyGo rides, it would not be practical to use it unless you are sure that you can hit S$500 monthly minimum spend.

    • This has a minimum spend of S$500 per month and spending cap of $12,000 per year, cashback is capped at 600SMRT$ per year, giving you $600 cashback – Since every S$1 spent gives you 1 SMRT$

    • Earn 0.3% cashback on other retail spend island-wide

     

    Annual Fee
    • S$196.20, (First two years waived)

     

    Income Requirement
    • S$30,000 (locals/PRs); S$42,000 (foreigners)

     

    When is Cashback Credited
    • SMRT$ will be calculated on the amount of qualifying spend made on a monthly basis. The accumulation of SMRT$ shall be specified in your monthly statement of account.

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    DBS Altitude Card

    • Get S$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Open-Ear Headphones (worth S$249) or Samsonite STRAREN SPINNER 67/24 (worth S$600) or Stryv AirFlex 2.0 (worth S$369) or Xiaomi Truclean W20 Wet Dry Vacuum (worth S$259) when you apply with with the promo code: SINGSAVER, and spend S$100 within 30 days from card approval
    • Valid for New to DBS/POSB Customers only
    • Valid from 26 December 2025 – 12 January 2026
    • Read Terms and Conditions here

    DBS Altitude Card

    • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
    • This comes with two complimentary lounge passes per 12-month membership period

     

    Annual Fee
    • S$196.20 (inclusive of GST), first year waived

     

    Income Requirement
    • S$30,000 (locals/PRs); S$45,000 (foreigners)

     

    Points Expiry
    • No expiry

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review