Best Telco Miles/Cashback Credit Cards in Singapore (September 2024)

Last updated on 26 August 2024

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What are the Best Cards in Singapore for Phone and Internet 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

Citi Rewards	4 mpd ^{• Pay via mobile app • Do not set up recurring payment • Up to $1,000 per statement month}
DBS Woman’s World	4 mpd ^{• Pay via mobile app • Do not set up recurring payment • Up to $1,500 per calendar month}
UOB One	3.33% cashback ^{• 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}
DBS yuu	18% cashback ^{• Singtel only (pay at Singtel kiosks) • Min. spend $600 per calendar month • Up to $600 per calendar month}

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

Citi Rewards

Earn 4 mpd on online spending, except travel-related

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Citi Rewards Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

DBS Woman’s World

Earn 4 mpd on online spending

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🎁 Sign-up bonus

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DBS Woman’s World Mastercard

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.

The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above $80k, before uploading your actual proof of income that is under $80k.)

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per $5 dollar spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

UOB One

Earn up to 3.33% cashback on almost everything

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🎁 Sign-up bonus

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UOB One Visa Card

Suitesmile rating:

✍️ Short summary
Most specialized cashback cards (offering over 1.7% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the UOB One card, in my opinion, are a little less complicated.

Cardholders can earn up to 3.33% cashback on a wide range of spending categories like online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of $50, $100 or $200 at the end of each quarter.

How to receive up to 3.33% cashback:

Mandatory: Make at least 5 transactions per statement month
Get $50 cashback when you spend at least $500 per month, for 3 consecutive statement months in a qualifying quarter
Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive statement months in a qualifying quarter
Get $200 cashback when you spend at least $2,000 per month, for 3 consecutive statement months in a qualifying quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. For that reason, cardholders who spend $900/month in that same period would fall under the $500 band, and be rewarded with just $50 cashback (equivalent to 1.85%).

Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.

📜 Terms & conditions

DBS yuu

Get up to 18% cash rebate at selected merchants

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🎁 Sign-up bonus

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DBS yuu American Express Card

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 5% cash rebate at yuu partners with no minimum spending required.

Spend at least $600 per calendar month to get a bonus 13% cash rebate (total 18%) at yuu partners, capped at $78 per month ($600 spending).

yuu partners include:
– Giant
– Cold Storage
– Gojek
– 7-Eleven
– foodpanda
– Singtel
– Guardian
– Food Republic
– Food Junction
– Breadtalk

Cardholders can also get 17.5% cash rebate when purchasing Dairy Farm supermarket vouchers from Giant or Cold Storage outlets, and when paying Singtel bills at Singtel kiosks in Singtel shops.

Get just 0.5% cash rebate at other merchants.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

💯 Conversion ratio
1 yuu point = 0.5% cash rebate

❓How/When points are credited
Earn 1 yuu point per $1 dollar spent, plus 9 bonus yuu points for eligible online transactions (equivalent to 5% cash rebate in total). Earn a further 26 yuu points per $1 at yuu partners if you spend at least $600 in a calendar month. Base points are credited within 14 days, while bonus points are credited within 60 days.

📜 Terms & conditions