Best Cards For Utilities

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

• 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

• Best Cards for Insurance
• Best Cards for Utilities
• Best Cards for Renovation, MCST, donations, Tax, Rent

Flash Deal:

• Get Apple Airpods Pro (Gen 2) (worth S$349) or Samsonite Straren Spinner 67/24 (worth $600) or S$300 Cash via PayNow when you spend S$500 in the first 30 days of card approval date
• Must be one of the first new-to-bank 20 applicants every week
• If you are not part of the first 20, you’ll get the usual rewards
• Valid from 11 August to 31 August 2025

Usual Rewards:

• Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 in the first 30 days from card approval date
• Valid from 11 August to 31 August 2025
• Valid for New-to-Bank Cardholders
• Read Terms and Conditions here

• 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%

• Earn up to 22.66% fuel savings at Shell and SPC
• Earn 4.33% cashback on Singapore Power utilities bills

Know what this card is best for:

• Best Cards for Grocery – must be under MCC 5411
• Best Cards for EV Charging – Shell Recharge or SP Group only
• Best Cards for Utilities
• Best Cards for BUS/MRT
• Best Cards for Wedding Banquet
• Best Cards for Petrol
• Best Cards for Food Delivery
• Best Cards for Hospital

Terms and Conditions

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• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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

• Get up to 3.33% cash rebate on all your local and foreign currency spend with a minimum monthly spend of S$300 per month for a quarter.
• Can be used on Insurance payments up to a certain extent – only up to 30% of the monthly spending

Quarterly service fee:

• S$21.80 (inclusive of GST), waived for first 3 years, afterwhich, this fee can be waived if you charge to your card once every 3 months

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

Can I earn cashback when I pay my Insurance

• You may use Cardup/iPayMy to make payments. You should leverage the new user code/link for Cardup as well as iPayMy first.
  • For S$30 off your first payment, Cardup new user code: PINING,AGNESN515 (including the comma “,”)
• iPayMy new user sign up link: (Note that if you sign up directly, you will only get S$20 off your first payment)

Know what this card is best for

• Best Card for Utilities
• Best Card for Hospital (only 30% of monthly spend)
• Best Card for Education (only 30% of monthly spend)

Terms and Conditions

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NIL

• Earn 2% cashback with no minimum spend required and a maximum monthly spend of S$10,000 per calendar month
  

Annual Fee

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

Income Requirement

• S$30,000 or S$15,000— age 55 & above (locals/PRs); S$60,000 (foreigners)

Know what this card is best for

• Best Cards for Bus/MRT -must charge directly to the card or SimplyGo tap-as-you-go (top-ups excluded)
• Best Cards for Flights
• Best Cards for No Min Spend
• Best Cards for Restaurant
• Best Cards for Online Shopping
• Best Cards for Wedding Banquet (Ultimate Card for All Venues)
• Best Cards for Utilities

Terms and Conditions

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• Get S$160 eCapitaVoucher when you spend S$500 within 30 days from card approval
• Valid from 4 August to 30 September 2025
• Promotion is valid for new to bank credit card holders
• Read Terms and Conditions here

• 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

• Best Cards for Utilities
• Best Cards for Education
• Best Cards for Wedding Banquets (Ultimate Card for All Venue)
• Best Cards for Hospital (One Time Payment)
• Best Cards for No Min Spend

Terms and Conditions

Read Full Review

To maximize perks, consider doing this strategy of applying to other Maybank cards first. Apply for the Maybank Family & Friends Card (if you’re eyeing the XL Cashback) or the Maybank World Mastercard (for XL Rewards). These unlock stronger sign-up bonuses and complementary benefits later on.

• Receive a Samsonite ENOW Spinner (worth S$570) when you spend S$1,300 (or S$1,200 with CreditAble application) within two months on your first card—then apply for your chosen XL card to get 12 months of complimentary travel insurance.
• Read Terms and Conditions here
  
• Fill up this google form after signing up to qualify for rewards

Apply for a Different Card First: If you’re eyeing the XL card, consider starting with another Maybank card to make the most of your sign-up bonus. Going for the Maybank World Mastercard or the Family & Friends Card first can unlock more valuable perks—like non-expiring miles through Rewards Infinite Membership or higher everyday cashback. It’s a smart way to maximise your rewards right from the start.

• Maybank XL Rewards:

  • Earn 4 miles per dollar on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.4 miles per dollar on other spends

  • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

• Maybank XL Cashback:

  • Earn 5% cashback on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.2% cashback on other spends

  • Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.

  • Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.

    • Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.

Annual Fee

• S$87.20 (waived for the first 2 years), can be waived when you perform an annual spend of S$6,000

Age Requirement: 

• 21 to 39 years old

Income Requirement

• S$30,000 (Singaporeans/PRs), S$45,000 (Malaysian), S$60,000 (Foreigners)

Terms and Conditions:

• XL Rewards Card
• XL Cashback Card

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• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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

• Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
  • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
• Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
• Minimum spend of S$800
• Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
• Earn unlimited 0.3% cash rebates on all spends below S$800

Annual Fee

• S$180 (First 3 years free)

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

How to choose my Categories

• To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

• Best Cards for Kris+ – must choose dining and/or online shopping category
• Best Cards for EV Charging – must choose transport category
• Best Cards for Bus/MRT
• Best Cards for Ride Hailing
• Best Cards for Telco
• Best Cards to pair with Amaze
• Best Cards for Petrol 
• Best Cards for Food Delivery
• Best Cards for Public Transport
• Best Cards for Grocery
• Best Cards for Restaurant

Terms and Conditions

Read Full Review

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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

• 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

• Best Cards for Flights
• Best Cards for Hotel (FCY)
• Best Cards for Petrol 

Terms and Conditions

Read Full Review