Best Miles & Cashback Cards for Utilities in Singapore (Feb 2025)

Last updated on 13 February 2025

Pick a category below to view the best cards


What are the Best Cards in Singapore for Electricity, Water and Gas Bills?

How are these cards chosen and ranked?
These cards are picked and ranked based on how they compare against other cards, based on these key factors:

1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits

Chocolate
Card
2 mpd
• Up to $1,000 per calendar month
• No annual fee, ever
POSB
Everyday
2% cashback
+1% cashback for SP Group, Union Power, Tuas Power, Geneco
• Set up recurring payment in SP Utilities app
• Up to $100 per calendar month
Maybank
FC Barcelona
1.6% cashback
• In SGD only
AMEX True
Cashback
1.5% cashback
UOB OneUp to 3.33% cashback
+1% cashback for SP Group
• Min. spend $500/$1,000/$2,000 per statement month
• Up to $500/$1,000/$2,000 per statement month
• Maintain spending tier monthly, in a qualifying quarter
Maybank
Platinum
Visa
Up to 3.33% cashback
• Min. spend $300/$1,000/$2,000 per calendar month
• Up to $300/$1,000/$2,000 per calendar month
• Maintain spending tier monthly, in a calendar quarter
Maybank
Visa Infinite
1.2 mpd
• $654 annual fee (no waiver)
• $150k annual income requirement
Maybank
Man Utd
2 mpd + 3% cashback
• When Man Utd wins an EPL match only, 0.4 mpd + 1% cashback on other days
• Cashback capped at S$1,000 spending per calendar month

💡 Click on the + Card Summary buttons below to view the key details of each card.

Chocolate Card

Earn 2 mpd on almost everything, no FX fees

🎁 Sign-up bonus

+ Card Summary

POSB Everyday

Get unlimited 20.1% discount on fuel at SPC

+ Card Summary

Maybank FC Barcelona

Get unlimited 1.6% cashback, incl. Utilities, Hospital, School Fees

+ Card Summary

AMEX True Cashback

Get 22% discount on fuel, 1.5% cashback on almost everything else

+ Card Summary

UOB One

Earn up to 3.33% cashback on almost everything

+ Card Summary

Maybank Platinum Visa

Earn up to 3.33% cashback on almost everything

+ Card Summary

Maybank Manchester United

Get 2 mpd + 3% cashback on almost everything when Man Utd wins

+ Card Summary
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