best cards for utilities

Best Cards For Utilities

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Chocolate Visa Debit Card

Apply Here - HeyMax
Apply Here - Choc Visa

Earn up to 2 miles per dollar on almost everything, including Insurance, Charity Donations & Hospital Bills

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UOB One Card

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Earn at least 3.33% cashback on most local spend

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Maybank Platinum Visa Card

Step 1: Apply Now
Step 2: Google Form

Get up to 3.33% cash rebate on all your local and foreign currency spend

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DCS Ultimate Platinum Card

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Earn 2% cashback on almost everything

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AMEX True Cashback Card

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Earn 1.5% unlimited cashback on almost everything

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💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

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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

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Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

Citi Rewards

Get 2X Hinomi Q1 Ergonomic Office Chair or Apple iPad 9th 10.2" WiFi 64GB or S$420 Shopee Vouchers or S$370 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: March 31, 2025

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SC Simply Cash

Get Apple iPad 9th 10.2" WiFi 64GB or Apple Watch SE (GEN 2) GPS + Cellular 44mm or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval

Valid till: March 31, 2025

APPLY NOW - VISA

APPLY NOW - AMEX

DBS Altitude

For AMEX, up to 38,000 miles (Promo Code: ALT38) or up to 28,000 miles with annual fee waiver (Code: ALTW28) when you spend S$800 within 60 days from card approval date

Valid till: April 30, 2025

Maybank Platinum Visa

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

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Maybank FC Barcelona

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

DCS Ultimate Platinum

Get one (1) CATERPILLAR Industrial Plate Trunk when you apply for any 2 DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date

Valid till: April 30, 2025

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HSBC Live+

Get Dyson Supersonic™ or Sony Camera (ZV-1F) or Apple iPad 9th 10.2" WiFi 64GB or Apple Watch SE (GEN 2) GPS 40mm + Stryv - Pro Styler Bundle or S$199 + S$200 Shopee Voucher when you spend S$800 by the end of the following calendar month + provide marketing consent

Valid till: March 31, 2025

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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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Chocolate Finance

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

Chocolate Finance

  • Earn 2 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
  • 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

UOB One Card

  • Get S$350 Cashback (only for first 200 customers!!) when you spend S$1,000 per month for 2 consecutive months from card approval date
  • Valid from 01 March – 31 March 2025
  • Read Terms and Conditions here

UOB One Card

  • Earn up to 20% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$2,000, capped at S$200
    • Base cashback: 3.33%
    • Additional cashback: 6.67%
    • Enhanced cashback: 10% Cashback
  • Earn up to 10% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$500 or S$1,000 for three consecutive months, capped at S$50 or S$100 respectively:
    • Base cashback: 3.33%
    • Additional cashback: 5%
    • Enhanced cashback: 5% Cashback

 

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 & Conditions

Full Review

Maybank Visa Platinum Card

  • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 cashback 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 Visa Platinum Card

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.

DCS Ultimate Platinum Card

  • Receive one (1) CATERPILLAR Industrial Plate Trunk worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
  • Valid for new and existing credit cardholders
  • Promo valid until 30 April 2025
  • Read Terms and Conditions here
  • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

DCS Ultimate Platinum Card

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

AMEX True Cashback Card

      • Get 3% Cashback when you spend up to S$5,000 on eligible spends within 6 months from card approval date
      • Read Terms and Conditions here

      •  

      AMEX True Cashback Card

      Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap

      UOB Lady’s Card

      UOB Lady’s Card

         

          • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category

          • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate

          • No minimum monthly spending required

          • Spending Cap:

           

              • Classic Card: S$1,000

              • Solitaire Card: S$2,000
          • This card can be used on Ride Hailing apps as long as you choose the Transport Category

          UOB PRVI Card

          • Receive 20,000 miles when you sms PMAF last 4 alphanumeric of NRIC/passport registered with UOB to 77862 to register by 30 April 2025

          • Receive 26,000 miles if you are among the first 50 participants who spends min. S$2,000 per month for 2 consecutive months from card approval date AND with first year annual fee payment of S$261.60 (inclusive of 9% GST)

          • Receive 5,600 to 12,000 miles when you spend a minimum of S$2,000 per month for 2 consecutive months. (Based on an Earn rate of 1.4 miles per dollar for local transactions and up to 3 miles per dollar for overseas spend)

          • Valid until 31 March 2025

          • Terms and conditions here

          UOB PRVI Card

          • Earn 1.4 miles per dollar for local spending
          • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
            • 3 miles per dollar on selected currencies:
              • Malaysian Ringgit
              • Indonesian Rupiah
              • Thai Baht
              • Vietnamese Dong
            • 2.4 miles per dollar on other currencies

          UOB Krisflyer Card

          UOB Krisflyer Card

          • Earn 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases with minimum spend of S$800
          • Earn uncapped 3 miles per dollar on eligible everyday spends
          • Earn 1.2 miles per dollar on all other purchases

          Mari Credit Card

          • Get up to 13% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
          • You must be among the first 50,000 New Mari Credit Card Holders
          • Must be a new-to-bank customer
          • Valid until 30 April 2025
          • For more information on the promotion, please refer to: https://www.maribank.sg/promo

          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