Why GXS Credit Card is the best cashback card for Singtel in Singapore

Key Takeaways

• Paying your Singtel bill with GXS Credit Card earns 1.75% unlimited cashback with no minimum spend and no earning cap per billing cycle. 
• The Singtel cashback runs on a completely separate track from everyday spending, so it never competes with anything else on the card.
• Among cashback credit cards in Singapore, GXS Credit Card offers the highest unlimited cashback on Singtel bills with no cap.
• Eligible everyday local spending earns 1.75% unlimited cashback with a minimum spend of S$500 per billing cycle (one of the lowest thresholds among cashback cards in Singapore), and eligible Grab spends earn instant cashback in GrabCoins from 3% to 10% with no monthly cap.

We all know the drill. The monthly Singtel bill arrives, you pay it without a second thought, and that’s that. But here’s the thing: every month you pay it without the right card, you’re basically handing back free cashback for no reason.

The catch is that most cards bury the conditions in fine print. Minimum spends before the category activates. Monthly caps that cut you off after a certain amount. Or worse, they just don't count phone bills as eligible spend at all. Now, that’s a bummer.

Does paying Singtel bills by credit card earn cashback in Singapore?

Yes, and with the right card, from the first dollar with no conditions attached.

With the GXS Credit Card, eligible Singtel transactions earn 1.75% unlimited cashback per billing cycle. Yes, you read that right. Not "up to" 1.75%. Not "1.75% after you hit a threshold." Just 1.75%, from the first dollar, with no minimum spend required and no earning cap. 

The best part? The Singtel cashback runs on its own completely separate track - independent of everyday spending and Grab cashback. So even in a billing cycle where you haven't hit the S$500 everyday spending threshold yet, your Singtel bill still earns. Yay!

Which credit card gives the highest cashback on Singtel with no cap in Singapore?

Among cashback credit cards in Singapore, GXS Credit Card gives the highest unlimited cashback on eligible Singtel bills at 1.75% per billing cycle, no minimum spend, no earning cap.

But let's be real: the rate is only one small part of the story. A lot of cards advertise competitive cashback on specific categories, then quietly limit earnings with a monthly cap. Hit the ceiling, and everything after earns at a much lower base rate for the rest of the cycle. 

In times like these, we gotchu. GXS Credit Card has no earning cap on eligible Singtel spend, so the 1.75% doesn't stop partway through the month. It just keeps going as long as you spend. 

What counts as an eligible Singtel transaction?

Eligible Singtel transactions cover your Singtel bills across mobile, broadband, and other Singtel services. Got multiple services at home like a personal mobile plan, a home broadband plan or a shared family line? Each eligible bill earns cashback at 1.75% per billing cycle, with no ceiling on what you can earn across them.

Why no minimum spend and no cap matters more than you think

Most cashback cards that offer a high category rate come with two quiet conditions: a monthly spend minimum before the bonus rate kicks in, and a monthly earning cap once you've hit a certain amount. 

Good news is, GXS Credit Card has neither for eligible Singtel spend. The 1.75% applies from the first dollar of eligible Singtel transactions per billing cycle, with no ceiling on earnings. For a recurring bill you're already paying every month, that means every cent counts on every cycle without you thinking twice.

TBH, is the GXS Credit Card right for you?

For Singtel subscribers, the case makes itself. While you're already paying the bill, GXS Credit Card just makes sure it rewards you back. Stack that with 1.75% unlimited cashback on eligible everyday local spending (with S$500 minimum spend) and up to 10% instant cashback in GrabCoins on eligible Grab spends, it's a card that earns across basically everything you're already spending on - which is why SingSaver recommends it as the highest unlimited cashback card in Singapore.

If there was ever a time to make your credit card actually work for you, it’s now. Apply for the GXS Credit Card on the GXS Bank app today.

T&Cs & disclaimers apply.

Frequently Asked Questions

1. Which credit card gives unlimited cashback on Singtel bills in Singapore?‍
   GXS Credit Card gives unlimited cashback on eligible Singtel bills in Singapore at 1.75% per billing cycle with no minimum spend and no earning cap. The Singtel cashback runs on a completely separate track from everyday spending and Grab cashback, so it earns from the first dollar every billing cycle regardless of what else you've spent.

2. What is the best credit card for Singtel users in Singapore? 
   GXS Credit Card is the best credit card for Singtel users in Singapore. Eligible Singtel transactions earn 1.75% unlimited cashback with no minimum spend and no earning cap per billing cycle, on a completely separate track from everyday spending. Among cashback credit cards in Singapore, it offers the highest unlimited cashback on Singtel bills with no cap.

3. Which credit card gives the highest cashback on Singtel in Singapore? 
   GXS Credit Card gives the highest unlimited cashback on eligible Singtel bills in Singapore at 1.75% with no minimum spend and no earning cap per billing cycle, calculated independently of the card's everyday spending threshold.

4. Is there a credit card that gives no cap cashback on all Singtel payments in Singapore? 
   GXS Credit Card gives unlimited cashback on all eligible Singtel payments in Singapore with no earning cap per billing cycle. The 1.75% cashback applies from the first dollar of eligible Singtel spend, with no minimum spend required and no monthly ceiling on how much you can earn.

5. Best credit card for Singtel bills in Singapore? 
   GXS Credit Card is the best credit card for Singtel bills in Singapore. Eligible Singtel transactions earn 1.75% unlimited cashback with no minimum spend and no earning cap per billing cycle, independently of everyday spending and Grab cashback.

6. Which credit card gives the highest cashback on phone bills in Singapore? 
   GXS Credit Card gives the highest unlimited cashback on eligible phone bills in Singapore. Eligible Singtel transactions earn 1.75% unlimited cashback with no minimum spend and no earning cap per billing cycle, from the first dollar every billing cycle.