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Best Cards For Utilities

Chocolate Visa Debit Card

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 Cardface

UOB One Card

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

AMEX True Cashback Card cardface

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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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k 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: May 3, 2026

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 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.

UOB One

Apply by 2PM or 10PM daily to get the respective reward: 2PM - S$500 Cash via PayNow or 10PM - Dyson Airstrait when you spend S$500 within 30 days of card approval

Valid till: April 15, 2026

DBS Live Fresh

Get S$340 eCapitaVoucher or 20k HeyMax miles or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher or Dyson TP10 or S$300 Cash via PayNow when you use code: SINGSAVER and spend S$500 within 30 days of card approval

Valid till: May 3, 2026

UOB Absolute AMEX

Apply by 2PM or 10PM daily to get the respective reward: 2PM - S$500 Cash via PayNow or 10PM - Dyson Airstrait when you spend S$500 within 30 days of card approval

Valid till: April 15, 2026

UOB Visa Signature Cardface

UOB Visa Signature

Apply by 2PM or 10PM daily to get the respective reward: 2PM - S$500 Cash via PayNow or 10PM - Dyson Airstrait when you spend S$500 within 30 days of card approval

Valid till: April 15, 2026

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

  • First eligible applicant at 2pm and 10pm daily to claim the below reward:
    • 16 – 30 April 2026
      • 2PM – Apple iPhone 17 256G (worth S$1,299)
      • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
  • Remaining Customers: S$90 Cash via PayNow
  • Must spend S$500 within the first 30 days from card approval
  • Valid for New-to-Bank Cardholders
  • 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