Best Cashback/Miles Cards For Utility Bills
Last Updated: 10th December 2025
Excluded by many cards, utility bills are one of those tricky categories to get credit card rewards on. With the recent Maybank exclusion, it is even more difficult to rewards on paying utility bills.
As of late 2025, however, there are still a bunch of cards that give cashback or miles on such transactions.
Merchant Category Code
Payments for utilities tend are coded as Merchant Category Code (MCC) 4900, so if your card does not explicitly exclude this MCC or utilities, there’s a good chance you can get your card rewards on them. Here are some cards I managed to find that should work well with utility transactions.
Cashback Cards For Utilities
Aside from OCBC 365 and UOB One that require minimum spends per month/quarter, the rest of the cashback cards here do not require any minimum spend to earn cashback on utilities. Correspondingly, the rewards are also on the lower side.
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 UOB One | 3.33% cashback (+ 1% additional for SP Group) | Additional cashback capped at S$120 | 💲Quarterly mechanic: spend S$600, S$1,000 or $2,000 per month for a quarter |
 OCBC 365 | 3% cashback | S$80 cashback (S$2,666.67 spend on utilities) | 💲 Minimum spend of S$800 per month 💵 Cashback on recurring electricity bills |
 Amex True Cashback | 1.5% cashback | Unlimited | Merchant must accept American Express |
 UOB Absolute | 0.3% cashback | Unlimited | Merchant must accept American Express |
 Chocolate Card | 1.8% rebate | S$100 spend | 1.8% rebate assumes using Max Miles earned for FlyAnywhere HeyMax account required Earn rate increases with Multiplier Programme |
Miles Cards For Utilities
It’s even more dire on the miles side of things, with only Chocolate Card offering miles for utilities. This is capped at just 100 miles per month which is reached with S$100 spend.
| Card | Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
Chocolate Card | 1 mile per dollar | 100 miles (S$100 spend) | HeyMax account required Earn rate increases with Multiplier Programme |
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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