A major part of managing your budget is paying off your recurring bills. As an adult, there is a long list of monthly payments to settle. What if there is a way to earn rewards when you pay off your recurring bills every month? 

When you pay using credit cards that reward you every time you settle a bill, you will earn cashback, points, and even air miles. All you have to do is sign up for one of the following credit cards, well known for their generous rewards!

UOB One Card

When you spend on utility bills and recurring telco bills from Singtel, Starhub, and M1, you will be eligible to earn up to a 5% cash rebate. 

This cash rebate is all yours when you meet the minimum spending limit of S$2,000 within 3 months. This means that each quarter you are able to get a 5% cash rebate on your credit card! Let’s say your expenses are from S$500 to S$1,000 for the 3 months, you still get a 3.33% cash rebate each quarter. 

How can you maximise your earnings through this credit card?

Basically, this is a credit card that will be great for you if you are a big spender on groceries at Dairy Farm Group merchants, travelling with Grab and UOB travel, and Shopee! 

Hence, aside from the cash rebates offered for recurring bills, you get up to 10% rebates when you spend on any of the merchants listed above. 

Maybank Family & Friends Card

The Maybank Family & Friends Card offers you up to an 8% cash rebate when you sign up for any data plan from StarHub, Singtel, M1 Limited, and any other telecommunications services in Singapore. In fact, you can also get the same 8% cash rebate for any online TV streaming subscription from Singapore. 

And if that is not enough, you also get up to 8% cash rebates on every restaurant you dine or take away in both Singapore and Malaysia. The same cash rebate also applies when you spend on groceries which can be shopped online or in stores, as well as for your petrol expenses. 

Besides that, you get an 8% cash rebate when you shop at selected merchants and when you use the credit card for transportation either using Grab or GOJEK.  

The minimum spending requirement you have to meet every month is S$800. Nevertheless, should you only manage to spend S$500 that particular month, you still get a 5% cash rebate on your eligible expense. 

As a bonus, you get the first 3 years of the annual fee waived. If you spend more than S$12,000 the following years, you do not have to worry about the annual fee then too. 

POSB Everyday Card

If you are looking for a credit card that rewards you for paying utilities as well, then the POSB Everyday card is the best choice. 

You can earn up to 3% as you spend on electricity bills at Geneco, Union Power, Sembcorp Power, and more. For merchants such as iSwitch, Senoko Energy, and Keppel Electric, you get a 2% cash rebate on your total bill. To add on, you do not have any minimum spend limit to meet. 

There is a cash rebate of 3% to those who use Singtel, Starhub, M1, Circles.Life, and more. When you spend a minimum of S$800 per month, you are automatically eligible for these cash rebates.

Moreover, you get the privilege of not having a minimum spending requirement as you swipe this card at any selected merchants. You get a 10% cash rebate when you order food on Foodpanda, Deliveroo, and WhyQ. You also get 3% discounts on transactions you make on caterers and restaurants. 

To those who shop frequently at Sheng Siong and RedMart, remember to grab that 5% cash rebate when you exceed the spending limit of S$600 every month. There are also plenty of cash rebates on your pet expenses, online shopping, and petrol when you pay using the POSB Everyday Card. 

OCBC 365 Credit Card

Here is another credit card that offers you cashback on your recurring electricity bills and telecommunication bills. 

OCBC 365 credit card offers you 3% cashback for your recurring bills from StarHub, Singtel, and M1 as well as utility bills from Sembcorp Power, Senoko Energy, and Keppel Electric. 

Apart from that, you get 6% cashback on your daily expenses for food. You can either choose to dine, take away, or order online. Plus, you get 5% cashback on petrol. The same cashback rate also applies to petrol expenses that you spend abroad. 

There is even a 3% cashback offered for your expenses on groceries at any merchants across Singapore. 

This credit card also comes with a 2-year annual fee waiver which can also be waived for the subsequent years if you are able to spend more than S$10,000 annually. 

Citi PremierMiles Card

How about a credit card that manages your bill payments?

With Citi PayAll that is used on Citi Mobile App, you get to track your expenses and payment made through the Citi PremierMiles card. As long as you are sure of the remaining credit balance and your payments are up to date, you are safe from incurring any additional charges. 

Earn your Citi Miles as you use your credit card on online travel bookings through Kaligo and Agoda. Every S$1 you spend on these platforms will earn you 10 Citi Miles! If you spend on food delivery and home entertainment, you are also earning 4 Citi Miles for every S$1. 

The good news is that these air miles never expire. 

As this card mainly rewards air miles, you also get to earn 2 Citi Miles per S$1 whenever you spend on foreign currency. That too without any minimum spending limits. 

Enjoy Credit Card Rewards Even When You Pay Off Your Recurring Bills

Make the most of these credit cards by using one of them to pay for your recurring bills every month.