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Best Cards For Utilities

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Chocolate Visa Debit Card

Chocolate Visa Debit Card

Apply Here - HeyMax
Apply Here - Choc Visa

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.

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UOB One Cardface

UOB One Card

Apply Here

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

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AMEX True Cashback Card cardface

AMEX True Cashback Card

Apply Here

Earn 1.5% unlimited cashback on almost everything

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lobangsis
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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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CREDIT CARDS SIGN UP DEALS
UOB Visa Signature Cardface

APPLY NOW

UOB Visa Signature

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

singtel uob cardface

APPLY NOW

Singtel-UOB

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

APPLY NOW

HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 15, 2026

dbs yuu cardface

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

Get S$175 eCapitaVoucher or 12k HeyMax miles or Apple Airpods 4 or Samsonite STRAREN SPINNER 67/24 or Xiaomi Truclean W20 Wet Dry Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: March 1, 2026

View all deals

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.

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UOB Visa Signature Cardface

UOB Visa Signature

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

APPLY NOW

singtel uob cardface

Singtel-UOB

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

APPLY NOW

HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 15, 2026

APPLY NOW

dbs yuu cardface

DBS YUU

Get S$175 eCapitaVoucher or 12k HeyMax miles or Apple Airpods 4 or Samsonite STRAREN SPINNER 67/24 or Xiaomi Truclean W20 Wet Dry Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: March 1, 2026

APPLY NOW - VISA

APPLY NOW - AMEX

choc visa debit card cardface

Chocolate Finance

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

choc visa debit card cardface

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

  • Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
  • Applicants from 21st-108th will get S$88 Cash via PayNow
  • Remaining applicants will get S$60 Cash via PayNow 
  • Valid for New-to-Bank Cardholders
  • Valid from 02 – 28 February 2026
  • 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!

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

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

Mari Credit Card

  • Get up to S$30 Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval + an exclusive S$50 Shopee Voucher Pack when you use on Instant Checkout on Shopee
  • Must be a new-to-bank customer
  • Valid until 31 December 2026
  • Read Terms and Conditions here

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

Mari Credit Card

  • Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout 
  • Earn 1.5% Unlimited Cashback on eligible card spend
  • No minimum monthly spend requirement and no maximum cashback cap
  • No FX fees

 

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

 

1.5% Cashback Terms and Conditions

1.5% Overseas Spend

1.5% Shopee Coins

Read Full Review

singtel uob cardface

Singtel-UOB Card

  • Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
  • Applicants from 21st-108th will get S$88 Cash via PayNow
  • Remaining applicants will get S$60 Cash via PayNow 
  • Valid for New-to-Bank Cardholders
  • Valid from 02 – 28 February 2026
  • 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!
singtel uob cardface

Singtel-UOB Card

  • Earn 12% cashback on Singtel/GOMO spend
  • Earn 10% cashback on Local Online and Mobile Contactless spend (Apple Pay, Samsung Pay, Google Pay)
  • Earn 0.3% cashback on all other local and overseas spend
  • Minimum spend of S$800 each statement month
  • Total Cashback of S$80
    • Singtel/GOMO spend – S$30
    • Local Online and Mobile Contactless spend – S$30
    • All other spends – S$20
  • At your max hack level, you will need around S$250 worth of spending on Singtel/GOMO Spend and S$300 worth of spending on Local online and mobile contactless spend as well as another S$250 spend on other types of spend to receive the max effective cashback of 7.59%.
  • Get up to 20% fuel savings at SPC
  • No foreign currency fees on overseas spends
  • Get up to S$300 Singtel Vouchers when you spend locally
    • S$24,000 spend/year = S$300 voucher
    • S$12,000/year = S$100 voucher