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Best Cards For Utilities

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Chocolate Visa Debit Card

Apply Here - HeyMax
Apply Here - Choc Visa

Earn 1 mile per dollar on almost everything, including Insurance, Utilities, & Hospital Bills capped at 100 miles per month

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UOB One Card

Apply Here

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

Apply Here

Earn 2% cashback on almost everything

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AMEX True Cashback Card

Apply Here

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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CREDIT CARDS SIGN UP DEALS

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Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 2025

APPLY NOW

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

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

CIMB Visa Infinite

Get S$50 Cash via PayNow when you spend a minimum of S$108 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

Citi PremierMiles

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

Citi Prestige

Get 2D1N Banyan Tree - Mandai Rainforest Resort Staycation or 10x Yunomori Onsen & Spa Vouchers or Apple AirPods Max or LOJEL Cubo Large when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

Citi SMRT

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

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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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

NIL

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

Maybank Visa Platinum Card

  • 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

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.
  • 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

 

Terms and Conditions

Read Full Review

DCS Ultimate Platinum Card

NIL

DCS Ultimate Platinum Card

  • 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

Terms and Conditions

Read Full Review

AMEX True Cashback Card

      • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
      • Valid from 21 April to 30 July 2025
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here
      • Must fulfill spending requirement to receive gift confirmation

      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 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

      UOB Lady’s Card

      NIL

      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 & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

        Depending on what your planned usage is, you can change the categories every quarter. 

         

        Annual Fee
        • S$196.20 (incl. GST), waived for first year

         

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

         

        Points Expiry
        • They expire 2 years after the final day of each periodic quarter in which they were earned
         
        Know what this cards is best for

         

        Terms and Conditions

        Read Full Review

        UOB PRVI Card

        NIL

        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
        • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
        • One-way Airport Transfer Service for AMEX Version only
        • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

         

        Annual Fee
        • S$261.60, first year waived
         
        Income Requirement
        • S$30,000 (locals/PRs); S$40,000 (foreigners)
         
        Points Expiry
        • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

         

        Know what this card is best for

         

        Terms and Conditions

        Read Full Review

        UOB Krisflyer Card

        NIL

        UOB Krisflyer Card

        • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
        • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
        • Earn 1.2 miles per dollar on all other purchases

         

        Annual Fee
        • S$194.40 (incl. GST), waived for first year

         

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

         

        Know what this card is best for

         

        Terms and Conditions

        Read Full Review