Best Utilities Miles/Cashback Credit Cards in Singapore (April 2024)

Last updated on 7 January 2024

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

Additional note:

Maybank Manchester United: Only on days when Manchester United wins an EPL match

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

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

UOB Absolute Cashback

Get unlimited 1.7% cashback on almost everything

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🎁 Sign-up bonus

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UOB Absolute Cashback American Express Card

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.7% cashback on almost everything.

Earn just 0.3% cashback on certain spending categories like Healthcare, School Fees, Utilities and GrabPay e-wallet top-ups.

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the following statement month.

📜 Terms & conditions

AMEX True Cashback

Get 21% discount on fuel, 1.5% cashback on almost everything else

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🎁 Sign-up bonus

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American Express True Cashback Card

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.5% cashback on almost everything! This includes spending categories that are usually excluded from earning cashback/miles on other cards like Utilities, Insurance, Hospital and School fees.

Cardholders can also get a 21% discount at SPC fuel stations per year. The Registration is required via the AMEX mobile app.

Here’s a quick breakdown of how the SPC discount is calculated:

10% instant discount as an SPC&U member
5% instant discount by using an AMEX card
7.1% statement credit from the amount that was charged to card

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

💸 Annual fee
$174.40
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement month.

📜 Terms & conditions

Standard Chartered Journey

Earn 3 mpd on dining, groceries and ride-hailing

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Standard Chartered Journey Visa Card

Suitesmile rating:

✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to $1,000 per statement month.

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.5%

⏰ Points expiry
Points earned on this card never expires!

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
$27 per transfer

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

❓ When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

POSB Everyday

Get unlimited 20.1% discount on fuel at SPC

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🎁 Sign-up bonus

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POSB Everyday Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 20.1% discount (15% instant, 6% cash rebate) on fuel purchases at SPC.

Get 2% cash rebate at selected electricity retailers, capped at $2 per calendar month ($100 spending).

Cardholders with at least $800 worth of spending per calendar month get 10% cash rebate for food delivery, 5% for online shopping at selected stores and 3% for dining and telco. Cash rebates for these categories have a monthly cap.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cash rebate amount is credited into the card by the end of 3 calendar months.

📜 Terms & conditions

UOB One

Earn up to 3.33% cashback on almost everything

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UOB One Visa Card

Suitesmile rating:

✍️ Short summary
Most 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.

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

Maybank Manchester United

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

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🎁 Sign-up bonus

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Maybank Manchester United Platinum Visa Card

Suitesmile rating:

✍️ Short summary
Earn 2 miles per dollar (uncapped) + 3% cashback (up to $1,000 worth of spending per calendar month) on almost everything, on days when Manchester United wins an English Premier League match.

To get the above earn rate and cashback, transactions have to be made during the United Kingdom day that the team wins an EPL match. All transactions made from 0000 hours to 2359 hours Singapore time on that day will receive this bonus earn rate.

This bonus earn rate is a little tricky to guarantee, especially when most matches end close to or after midnight Singapore time.

Click here to view Manchester United’s EPL fixtures. Take note that EPL seasons usually run from August to May.

This bonus earn rate is especially useful for spending categories that are usually excluded from earning miles/cashback on other cards. This includes School Fees and Utilities.

Get just 1% cashback + 0.4 mpd on all other days.

💸 Annual fee
$80
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 (5,000 miles)

💲Transfer fee
$27 per transfer

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

❓How points are credited
Earn 5 base point per $5 dollar spent, plus 20 bonus points for eligible transactions on a Man Utd winning day (equivalent to 2 mpd in total).

❓When cashback is credited
Cashback amount is credited into the card at the end of the following month.

📜 Terms & conditions