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Best Credit Cards to Pay Utility Bills

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A credit card can come in handy in many ways. Some cards offer you reward points while some provide cashback on your purchases. You can also pay utility bills with credit cards, and earn rebates and cashback in return.

Let’s take a look at some of the best credit cards in Malaysia that you can use while paying utility bills.

BBazaar's Best Credit Cards to Pay Utility Bills of 2019

Updated on 21st January December 2019

Credit Card Benefits
Maybank 2 Gold Cards

1x TreatsPoints on utility bill payments.

Hong Leong WISE Gold Credit Card 10% cashback of up to RM100 on chosen categories.
Standard Chartered JustOne Platinum Mastercard Credit Card Up to 15% cash rebate, every month on daily retail spends.
American Express Gold Credit Card

5x Membership Rewards Points when you spend on telecom bills.

UOB ONE Credit Card

1% cash rebate on telecom bill paid during a weekday.

RHB Smart Value Credit Card

5% cashback on utility bill payments.

Alliance Bank Visa Platinum Credit Card

2x Timeless Bonus Points on a utility bill payment.

Here are the Best Credit Cards to Pay Utility Bills in Malaysia 2019

Updated on 21st January 2019

Card Name
Benefits
Annual Fees
Know More

1x TreatsPoints on utility bill payments.

5x TreatsPoints on transactions made via Maybank 2 American Express card.

1x TreatsPoints on educational institutions, insurance providers, utilities, and 0%EzyPay.

5% weekend cashback on Maybank 2 American Express card.

(Benefits)

Waived for life.

(Annual Fees)

10% cashback of up to RM100 on chosen categories.

(Benefits)

RM250 for the principal card.

RM80 for a supplementary card.

(Annual Fees)

Up to 15% cash rebate, every month on daily retail spends.

(Benefits)

Waived for the first year(effective 1 August 2018)

RM250 for the principal card.

Subsequent years’ annual fees will be waived on a minimum spend of RM20,000 in a year.

(Annual Fees)

5x Membership Rewards Points when you spend on telecom bills.

1x Membership Rewards Points on other categories of utility bills, such as sanitary, gas, electric, and water.

(Benefits)

Waived for life.

(Annual Fees)

1% cash rebate on telecom bill paid during a weekday.

2% cash rebate when telecom bill is paid during the weekend.

(Benefits)

Principal Card: RM68.

Supplementary Card: RM30.

(Annual Fees)

5% cashback on utility bill payments.

(Benefits)

Principal Card: RM74.20.

Supplementary Card: Waived for life.

(Annual Fees)

2x Timeless Bonus Points on a utility bill payment.

(Benefits)

Principal Card: RM438.

Supplementary Card: Waived.

( Annual Fees)

Maybank 2 Gold Cards

Card Name
Benefits
Annual Fees
Know More

1x TreatsPoints on utility bill payments.

5x TreatsPoints on transactions made via Maybank 2 American Express card.

1x TreatsPoints on educational institutions, insurance providers, utilities, and 0%EzyPay.

5% weekend cashback on Maybank 2 American Express card.

(Benefits)

Waived for life.

(Annual Fees)

When you sign up for this card, you will get two cards- Maybank 2 American Express Gold Card and Maybank 2 Mastercard/Visa Card Gold Card. You will get the benefits of both Visa/Mastercard and American Express with one sign up and an annual fee waiver for life.

Key Benefits

  • Get 5x TreatsPoints for every RM1 spent with the Maybank 2 American Express for both local and overseas transactions.
  • Enjoy 1x TreatsPoints for expenses at educational institutions, utility payments, insurance, and Maybank 0% EzyPay Instalment Plan when payments are made with the American Express card.
  • 5% weekend cashback shall be applicable on the Maybank 2 American Express Card.
Additional Points Description
How to Use It
  • Use any of the cards for making local and overseas transactions on retail and other expenses.
  • Earn cashback on the card used and the applicable limit.
  • The cashback shall be added to the account at the end of the monthly billing cycle.
Good about It
  • Enjoy 1x TreatsPoints on all local and overseas spends on the Maybank 2 Mastercard/Visa card.
  • Get 50% discount on dinner for 2 guests at SPG Hotels and Resorts when you make payments with the American Express card.
Keep in Mind
  • The 5x TreatsPoints on the American Express card shall be capped at RM500 for fuel transactions. For fuel expenses above RM500, 1x TreatsPoints shall be applicable.
  • No TreatsPoints are awarded for JomPAY payments and government transactions.
  • For the weekend cashback, a cap of RM50 per principal cardholder is applicable.

Who Should Get It

  • Those looking for a card which shall be beneficial for both local and overseas transactions.
  • Those looking for good cashback offers on their card.

Hong Leong WISE Gold Credit Card

Card Name
Benefits
Annual Fees
Know More

10% cashback of up to RM100 on chosen categories.

(Benefits)

RM250 for the principal card.

RM80 for a supplementary card.

(Annual Fees)

This card allows you to earn cashback on a variety of your utility payments. You can choose the categories of utility in which you make the most payments, and earn 10% cashback every month.

Key Benefits

  • Enjoy 10% cashback of up to RM100 every month.
  • Automatic enrolment for the 10% cashback offer on mobile payments, applicable for Maxis, Celcom, Digi, U Mobile, and YES.
Additional Points Description
How to Use It
  • Use the card to make retail transactions.
  • Get cashback of 10% on mobile payments and two other categories as chosen.
  • Earn cashback for all year around.
Good about It
  • You can switch between the chosen categories for utility bills depending on your priority.
  • Choose up to 2 categories for utility payments from the following categories: pharmacies, groceries, petrol, dining, departmental stores, bookstores, utility bills, entertainment, and travel payments.
Keep in Mind
  • Utility payments include water and electricity bills.
  • You need to spend a minimum of RM2000 in order to be eligible for the 10% cashback offer.

Who Should Get It

  • Those who use their card to pay electricity and water bills.
  • Those looking for a card with good cashback benefits.

Standard Chartered JustOne Platinum Mastercard Credit Card

Card Name
Benefits
Annual Fees
Know More

Up to 15% cash rebate, every month on daily retail spends.

(Benefits)

Waived for the first year(effective 1 August 2018)

RM250 for the principal card.

Subsequent years’ annual fees will be waived on a minimum spend of RM20,000 in a year.

(Annual Fees)

The Standard Chartered JustOne Platinum Mastercard Credit Card offers up to RM1,000 as cashback on eligible monthly retail expenses. Any insurance premium payments and other utility bill payments made with this card are also eligible to earn rebates.

Key Benefits

  • Earn up to 15% cashback every month on your daily retail spends.
  • Online purchases and petrol transactions are also eligible to earn cashback.
  • Enjoy 0.2% rebates on all other retail expenses.
Additional Points Description
How to Use It
  • Charge all your utility bill payments like telephone bills, electricity bills, and mobile bills among others to this card.
  • Use this card at over 4,000 partnering merchants for exclusive Standard Chartered offers and privileges.
Good about It
  • Get an annual fee waiver for the first year.
  • Enjoy facilities like Standard Chartered FlexiPay Plus, Standard Chartered Cheque-On-Call (COC Plus), and Balance Transfer Plus to manage your finances effortlessly.
Keep in Mind
  • The minimum income requirement for this card is RM24,000 p.a.
  • 15% cashback for eligible retail expenses is limited to RM85 per month.

Who Should Get It

  • Those who wish to save on their utility bill payments.

American Express Gold Credit Card

Card Name
Benefits
Annual Fees
Know More

5x Membership Rewards Points when you spend on telecom bills.

1x Membership Rewards Points on other categories of utility bills, such as sanitary, gas, electric, and water.

(Benefits)

Waived for life.

(Annual Fees)

The American Express Gold Credit Card, offered by Maybank, provides reward points for telecom bill payments. You can enjoy up to 50% savings on dining at SPG Hotels and Resorts; this is a limited period offer.

Key Benefits

  • Earn 5x Membership Rewards Points for every RM1 spent on telecom bills of partner networks, such as Celcom, Maxis, Digi, and Telekom.
  • Get 5x Membership Rewards Points when you spend on groceries, Cathay cinemas, and bookstores.
  • Get 1x Membership Rewards Points when you spend on insurance, educational institutions, utility bills, petrol, and Maybank 0% EzyPay Instalment.
  • 2x Membership Rewards Points are provided on all other expenses.
Additional Points Description
How to Use it
  • Swipe your American Express Gold Credit Card to pay for your telecom bill payments and other transactions.
  • Earn reward points based on the category of spend.
  • Use the reward points accumulated to redeem vouchers and merchandise available on the redemption catalogue.
Good About it
  • The card is available for foreigners.
  • You can share the benefits of the card with your family via supplementary cards.
Keep in Mind
  • Government agency transactions are not considered to provide reward points.
  • Malaysians must have a minimum annual income of RM30,000 to qualify for the card.

Who Should Get It

  • Those who want to save more on telecom bill payments.
  • Those who use their credit card to pay for insurance, utility bills, and grocery purchases.

UOB ONE Credit Card

Card Name
Benefits
Annual Fees
Know More

1% cash rebate on telecom bill paid during a weekday.

2% cash rebate when telecom bill is paid during the weekend.

(Benefits)

Principal Card: RM68.

Supplementary Card: RM30.

(Annual Fees)

The UOB ONE Credit Card provides a host of privileges, such as cash rebates, SMART$ rebates, dining offers, MONEday: ONE Card day, and 0% Overseas Easi-Payment Plan. You can also enjoy birthday rewards during your birthday month. The card is available for anyone with a minimum annual income of RM24,000.

Key Benefits

  • Earn 1% cash rebates on telecom bill payment done on a weekday.
  • Earn 2% cash rebates on making telecom bill payment during the weekend.
  • Earn up to 8% cash rebates on petrol, cinema ticket, and grocery purchases.
  • Get an unlimited cash rebate of 0.2% when you make any other purchases.
Additional Points Description
How to Use it
  • Use the card to pay for all your transactions, including telecom bill payments.
  • Get cash rebates based on the day of payment and the category.
  • Use the cash rebates to set-off your card’s outstanding balance.
Good About it
  • Enjoy savings of up to 15% when you dine at one of the 150 participating restaurants across the nation.
  • Get up to 10% SMART$ rebates when you transact at the participating SMART$ merchants, such as Bee Cheng Hiang, Teddy Tales, Girls, and My Diamond.
Keep in Mind
  • The cash rebates are provided only when you pay the telecom bills of Maxis, Celcom, and Digi with your card.
  • You can get cash rebates for a bill amount of up to RM200 per month.

Who Should Get It

  • Those who wish to save on Maxis, Celcom, and Digi telecom bills.
  • Those who pay for telecom bills, petrol, groceries, and other transactions with their credit card.

RHB Smart Value Credit Card

Card Name
Benefits
Annual Fees
Know More

5% cashback on utility bill payments.

(Benefits)

Principal Card: RM74.20.

Supplementary Card: Waived for life.

(Annual Fees)

The RHB Smart Value Credit Card comes with a tiered structure for providing cashback on categories, such as utility bills, petrol, groceries, and online shopping. The cashback is determined based on the total amount spent during the month. You can use the contactless technology of the card to make payments on-the-go.

Key Benefits

  • Enjoy 1%-5% cashback on utility bill payments.
  • Get up to 5% cashback on petrol, online, and grocery transactions.
  • You can earn a cashback of 0.2% on all other spends.
Additional Points Description
How to Use it
  • Swipe your RHB Smart Value Credit Card to pay utility bills and other transactions.
  • Get cashback based on the category of spend.
  • The accumulated cashback can be used to set-off the outstanding balance of your card.
Good About it
  • Get a complimentary travel insurance coverage of up to RM100,000.
Keep in Mind
  • The cashback is capped at RM10 per category per month.
  • The insurance is provided for free only if you charge the entire airfare to your card.
  • You have to make a minimum total spend of RM500 to get cashback on utility bills, petrol, online, and grocery transactions.

Who Should Get It

  • Those who spend a minimum of RM500 with a card per month.
  • Those who wish to save on utility bills, grocery shopping, and petrol transactions.

Alliance Visa Platinum Credit Card

Card Name
Benefits
Annual Fees
Know More

2x Timeless Bonus Points on a utility bill payment.

(Benefits)

Principal Card: RM438.

Supplementary Card: Waived.

( Annual Fees)

The card provides Timeless Bonus Points when you make local and overseas retail transactions. Transactions made at government agencies are not considered for awarding the reward points.

Key Benefits

  • Get 2x Timeless Bonus Points for every RM1 spent on utility bills, grocery, and petrol.
  • Earn 3x Timeless Bonus Points for every RM1 spent on retail transactions overseas.
  • Get 1x Timeless Bonus Points when you make other local retail transactions.
Additional Points Description
How to Use it
  • Pay with your Alliance Visa Platinum Credit Card for utility bill payments and other transactions.
  • Earn reward points based on the category of spending.
  • Use the accumulated Timeless Bonus Points to redeem free flights at the selected airline partners.
  • The redemption rates are given below:
    • 6,000 Timeless Bonus Points = 1,000 Enrich Miles.
    • 3,000 Timeless Bonus Points = 1,000 BIG Points.
Good About it
  • Get unlimited complimentary access to KLIA Plaza Premium Lounge.
  • You can make use of the dedicated Customer Service Hotline Assistance service.
  • Enjoy 0% Instalment Payment Plan when you purchase at a participating merchant outlet.
Keep in Mind
  • The complimentary access to KLIA Plaza Premium Lounge is valid only for PB and AP members.
  • You can get an annual fee waiver when you spend a minimum of RM5,000 or swipe a minimum of 12 times in a year.

Who Should Get It

  • Those who prefer to get some additional reward points on paying utility bills with a card.
  • Those who use a credit card to pay their utility bills, grocery purchases, and petrol transactions.

Choose the Best Credit Card for Utility Bill Payments

Utility bill payment is an inevitable part of everyone’s monthly expense calendar. To get rewarded for paying these bills is an advantage you don’t want to miss out. Some cards provide rewards/cashback for one of the various utility bills, such as water, electricity, gas, and sanitary. Whereas, some other cards reward you for the entire set. Choose the card that provides maximum reward points/cashback on utility bills after considering the finance charges, annual fee, minimum annual income, and other related factors. You can also consider researching the benefits offered by the other credit cards available in the market.

Review

The American Express Gold Credit Card stands out when you look at the features and benefits offered by the cards in the above table. In addition to telecom bill payments, it provides 5x Membership Rewards Points on grocery, Cathay ticket, and bookstore purchases.

It also awards 1x Membership Rewards Points when you spend on other categories of utility bills, such as electricity, gas, sanitary, and water. As an additional bonus, you can get all these rewards at no annual fee.

Illustration

Here is an illustration of the number of reward points you can earn based on your spending patterns. Consider that you have received a telecom bill with the amount RM200, electricity bill of RM120, water bill of RM50, and gas bill of RM35. Also, say that you have spent RM600 on grocery. Let us calculate the reward points you earn upon spends made.

Spend Category Spent Amount Reward Programme Rewards Calculation Total Rewards Earned (Membership Rewards Points)
Telecom Bill RM200 5x Membership Rewards Points 5 x RM200 = 1,000 1,000
Electricity Bill RM120 1x Membership Rewards Points 1 x RM120 = 120 120
Water Bill RM50 1x Membership Rewards Points 1 x RM50 = 50 50
Gas Bill RM35 1x Membership Rewards Points 1 x RM35 = RM35 35
Grocery RM600 5x Membership Rewards Points 5 x RM600 = 3,000 3,000

In the end, you can earn 1,205 Membership Rewards Points upon the utility bill payments and 3,000 Membership Rewards Points on grocery shopping.

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