Guide: Ways to Use Your Credit Card as Much as Possible

If you’ve been reading this site for a while, you would know that using credit cards to pay for things is the best for your financial benefit. To maximise our rewards – whether it’s cashback or miles – we need to be using our credit card as often as we can.

However, some things just can’t be paid with a credit card… or can they? Here are some ways you can use your credit card at more places than you think.

Benefits of using credit cards

In case it needs to be stated, there are many benefits to using one’s credit card to pay for stuff. One can get significant rewards in the form of either miles that allow you to travel, or cashback that offsets your expenditure.

The repayment cycle of credit card also gives an interest-free repayment period of one to almost two months. In this high-interest rate environment, the longer your money sits in your bank, the more interest you can earn. Spending on your credit card thus gains you more interest indirectly as opposed to using a debit card or cash for your purchases.

Lastly, you also get some consumer protection. If a merchant you spend at has misrepresented the quality of its goods or services or fails to deliver the product you bought, you can request for a chargeback.

Hawker centres, dining, food takeaways

Hawker centres are an important part of living in Singapore and the great news is that hawker stalls accept QR payments are increasingly common.

Read the following article on wallet apps that allow you to pay with your credit card:


Get up to S$740 bonus vouchers or 74,000 bonus miles on top of usual welcome offers!

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Dining in

foodpanda has a dining in feature that allows you to pay for your meal within the app. You can thus use any credit card you wish, thought DBS yuu gives a very high earn rate for foodpanda.

There was a wonderful 50% discount last month for this. Subscribe to the Telegram so you don’t miss great deals like this.

Income tax, insurance and vendors that don’t accept credit cards

Have income tax to pay, or perhaps a pesky renovation company that doesn’t accept credit cards? Payment services like Citi PayAll, ipaymy and CardUp allow you to use your credit cards even when your recipient doesn’t accept them. It’s even possible to pay rent, mortgage, or even your car loan with such services.

There is a fee to be paid for such services, and the key is to make sure your card rewards exceed the fee you are paying. There are also promos where the fees are reduced.

I wrote guides on these services so check them out:

Businesses that accept PayNow QR

Some businesses only accept PayNow QR. PayNow QR tied to a company registration number (UEN) can be paid for with GrabPay which you can top up using UOB Absolute for 0.3% cashback.

0.3% isn’t exciting, but it’s better than nothing I guess. If you want a method to get 1% cashback, you can tap here to fulfil the requirements and learn how.

UOB Absolute

🔥 👍🏼

S$350 Cash credits: 
 The first 200 new-to-UOB credit card customers in May 2024 who successfully apply for an eligible UOB Credit Card between 1 May 2024 and 31 May 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit. Click here for full terms and conditions.

Terms and conditions

10% cashback:
For all new-to-UOB Credit Cardmembers who successfully apply for UOB Absolute Cashback Card by 30 June 2024, enjoy 10% cashback on the transactions charged to your UOB Absolute Cashback Card during your card approval calendar month and the following calendar month. Total bonus cashback is capped at S$100. Full terms and conditions apply.

Get 1.7% cashback on nearly anything excluding Grab top-ups which get 0.3% instead.

Mall Vouchers

Some retail shops may not accept credit card payment but might just accept vouchers from the mall they’re in. You can thus buy mall vouchers from places like Wogi and earn rewards for doing so, then spending the vouchers at such retail outlets.

From time to time, there are promos in the CapitaStar app to get rebates on eCapitaVouchers and I load up on such discounted vouchers for the occasional mall shop that doesn’t accept credit cards.


In case you’re not aware, you can just tap a credit card at any bus or MRT gantry in Singapore and pay for your fare. There is no registration required, though you can sign up for a SimplyGo account to track your rides and fares.

As a plus point, you get credit card rewards. Here are some of the best cards to use:


If you’re paying for a medical bill at a polyclinic or restructured hospital, do not pay at the counter even though they do accept payment via credit cards. Such transactions are excluded by your credit card for rewards.

Instead, use HealthHub to pay instead:

More ways?

Know more ways to use your credit card for stuff? Let us know in the comments or the Telegram!

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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).

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