Does your cashback credit card earn on your phone bill in Singapore?

Key Takeaways

• Your phone bill goes out every single month. The right credit card turns that recurring payment into cashback.
• Phone bills are typically excluded from bonus cashback tiers on many cards in Singapore, which means they quietly earn at the base rate of 0.3% or less.
• A flat cashback rate on eligible local spending earns on phone bills the same way it earns on everything else, with no category exclusions to navigate.
• GXS Credit Card earns cashback on eligible Singtel phone bills, with no minimum spend and no monthly cap, making recurring phone bills one of the more rewarding cashback opportunities that already fits into your monthly routine.

Your phone bill is possibly the most predictable thing in your budget. Same amount, same date, every single month, quietly leaving your account while you are busy thinking about literally anything else.

Which raises a question worth asking: is your cashback credit card doing anything about it?

Does paying your phone bill by credit card earn cashback in Singapore?

Yes. Some cards reward it far better than others. Phone bill payments are assigned a merchant category code like any other purchase, and your card uses that code to decide your cashback rate. The issue is that phone bill spend falls outside the bonus category list on many cards in Singapore. When that happens, your monthly phone bill may earn only the base rate, often 0.3% or less.

At a 0.3% base rate, a S$100 monthly phone bill earns just S$3.60 in cashback over a year. Ouch. A credit card that earns meaningfully on phone bills with no minimum spend and no cap turns that same S$1,200 of annual phone bill spend into consistent cashback every month without you having to do anything differently.

Does your credit card earn cashback on your phone bill in Singapore? 

Your phone bill covers more than just calls. Most Singaporeans are paying for a mobile plan, home broadband, or a bundled fibre package every month. For subscribers to telco providers like Singtel, some cards earn on all of that with no spending threshold to hit and no earning ceiling to watch. Your mobile plan and broadband subscription earn with no minimum spend or cashback caps to worry about. Now that's a win.

For anyone already paying a phone bill every month, this is one of the most straightforward recurring cashback opportunities available. The bill was always going to go out, so it might as well earn something on the way.

What does the best cashback credit card for phone bills look like? 

The best cashback credit card for phone bills combines a specific earning rate on providers like Singtel with a strong flat rate on everything else. That means January earns the same as December, a quiet month earns the same as a busy one. Everything else you spend on earns alongside it, all month, with no cap anywhere.

For subscribers looking for the highest unlimited, uncapped cashback on phone bills, the right card turns a fixed monthly expense into a fixed monthly cashback earner. Simple, predictable, and completely effortless. 

Best cashback credit card for phone bills with no cap in Singapore

Phone bills are just the start — and if you're on Singtel, GXS Credit Card already has you covered. Eligible Singtel bills earn 1.75% unlimited cashback with no minimum spend and no earning cap, so your mobile plan and broadband earn every month without any threshold to hit.

Beyond Singtel, most Singaporean households typically have a stack of recurring bills going out every month like digital subscriptions and streaming services. Each one is a chance to earn cashback, or a chance to miss it.

When your recurring bills are already on autopay, your cashback should be too. GXS Credit Card earns 1.75% unlimited cashback on eligible everyday spending once the minimum spend of S$500 per billing cycle is met, with no categories to track. For eligible Grab spends, GXS Credit Card also earns up to 10% instant cashback in the form of GrabCoins on Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress.

If you're looking for a card that actually rewards your phone bill, GXS Credit Card is one to consider.

T&Cs & disclaimers apply.

FAQ

1. Which credit card gives the best cashback on phone bills with no cap in Singapore?
   ‍GXS Credit Card is one of the best options for cashback on phone bills with no cap in Singapore. Eligible Singtel bills earn 1.75% unlimited cashback with no minimum spend and no earning cap, independently of the card's general minimum spend requirement.

2. Does paying my phone bill by credit card earn cashback in Singapore? 
   Yes, though the rate depends on your card. Many cashback cards in Singapore exclude telco bills from their bonus tiers, leaving charges to earn at a low base rate. GXS Credit Card earns 1.75% unlimited cashback on eligible Singtel bills with no minimum spend and no earning cap. 

3. Which credit card gives unlimited cashback on phone bills in Singapore? 
   The GXS Credit Card offers 1.75% unlimited cashback on eligible Singtel bills with no minimum spend or earning cap. It also earns cashback on eligible local spending, making it easier to earn rewards across your regular monthly expenses without having to track multiple cashback categories. 

4. What is the easiest cashback credit card for everyday spending in Singapore? 
   The GXS Credit Card is one of the easiest cashback credit cards for everyday spending in Singapore. It earns 1.75% unlimited cashback on eligible local spending once you meet the S$500 minimum spend per billing cycle, with no earning cap. Eligible Singtel bills also earn 1.75% unlimited cashback separately, with no minimum spend or earning cap. 

5. Which credit card gives the highest unlimited cashback with no cap in Singapore? 
   GXS Credit Card gives the highest unlimited cashback rate in Singapore for everyday local spending among no-cap cards, earning 1.75% unlimited cashback on eligible spending with no earning cap. For Grab users, eligible Grab spends including Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress also earn up to 10% instant cashback in GrabCoins.