Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Credit Cards to Pay Utility Bills

    A credit card can come in handy in many ways. Some cards offer you reward points while some provide cashback on your purchases made using the card. However, paying utility bills through the card can also earn you many benefits. This type of credit card offers you cashback and discounts on your electricity bill payments, water bill payments, insurance disbursements, etc.

    Let’s take a look at some of the best credit cards in Malaysia that can be considered as options to pay your utility bills.

    Here are the Best Credit Cards to Pay Utility Bills in Malaysia 2018

    Updated on 4th September 2018

    Card Name
    Benefits
    Annual Fees
    Know More

    5x Membership Rewards Points on mobile bill payment

    Waived

    Up to 2% cash rebate on mobile bill payments

    Principal Card: RM168

    Supplementary Card: RM30

    3x Reward Points on auto-billing and standing instructions for utility bill payment

    Waived for HSBC Advance customers

    Up to 5% cashback on utility bill payment

    Principal Card: RM70

    Supplementary Card: Waived

    2x Timeless Bonus Points (TBP) for every RM1 spent on utilities.

    2x TBP for every RM1 spent on overseas retail.

    1x TBP for every RM1 spent on all other domestic retail.

    Annual fee waived with minimum expenditure of RM5,000 or 12 swipes with the card within a year.

    Up to 5% cash rebate on movies, fuel payments, utility bills, and mobile bill payments.

    2% cash rebate on foreign currency spent online or through retail.

    0.2% cash rebate on other online or retail expenditure

    Waived for life.

    Up to 5% cash rebate on all expenses other than insurance and fuel transactions.

    Waived for the first year.

    2% cashback on online payment of utility bills.

    5% cashback on AEON and AEON BiG stores on the 20th and 28th of each month.

    Waived for the first year.

    American Express Gold Credit Card

    Maybank has partnered with American Express to offer the American Express Gold Credit Card. The card rewards you for spending on your mobile bill payments; limited to the participating network carriers. The card also offers reward points for your spend on groceries and movie tickets.

    Key Benefits

    • Earn 5x Membership Rewards Points when you pay telecommunication bills from Celcom, Digi, Maxis, and Telekon.
    • Earn 5x Membership Rewards Points when you pay for movie tickets, groceries, and on bookstore purchases with your card.
    • Get 1x Membership Rewards Points when you spend on insurance premiums, petrol, 0% EzyPay, and at educational institutions.
    • Earn 2x Membership Rewards Points for other purchases.
    Additional Points Description
    How to Use It
    • Pay all your retail transaction bills with the American Express Gold Credit Card.
    • Accumulate the Membership Rewards Points based on the category of spend.
    • Use the accumulated points to redeem the items of your choice from the rewards redemption catalogue.
    Good about It
    • Get dining privileges at the participating restaurants when you pay with the card.
    • Enjoy an annual fee waiver for a lifetime.
    Keep in Mind
    • Government-related transactions are not considered to earn reward points.

    Who Should Get It

    • Those who pay mobile and other utility bills regularly.
    • Those who spend on groceries, petrol, and movie tickets.

    UOB One Platinum Credit Card

    The UOB One Platinum Credit Card provides cash rebates when you spend on certain categories. You can earn higher cash rebates when you spend during the weekend as compared to a weekday. Check out the categories that provide cash rebates other than telecom bills below.

    Key Benefits

    • Earn 1% cash rebate when you pay telecom bills on weekdays.
    • Earn 2% cash rebate when you pay the telecom bills during the weekend.
    • Get up to 8% cash rebate when you spend on petrol, grocery, cinema, and other retail purchases.
    Additional Points Description
    How to Use It
    • Use the UOB One Platinum Credit card to pay for your mobile bills and all other transactions.
    • The cash rebates will be instantly credited to your account.
    Good about It
    • Get unlimited cash rebates when you spend on cinema tickets and other retail purchases.
    • Enjoy a discount of RM20 on a minimum grocery purchase of RM150 at Honestbee.
    • Overseas spend of RM3,000 or more can be converted into a 3-month instalment scheme at 0% interest with the 0% Overseas Easi-Payment Plan.
    Keep in Mind
    • Maxis, Digi, and Celcom are the telecom merchant partners that provide cash rebates on your telecom bill payments.
    • The cash rebates on telecom bills are capped at RM300 per month.
    • Capping is applicable on cash rebates of other categories too

    Who Should Get It

    • Those who pay telecom bills every month.
    • Those who spend on petrol, groceries, and cinema.

    HSBC Advance Visa Platinum Credit Card

    The HSBC Advance Platinum Credit Card is available for those who have an HSBC Advance Account. The card provides a host of benefits along with rewards points on your expenses with the card.

    Key Benefits

    • Earn 1x Reward Points and 2x Additional Reward Points when you spend on online shopping, auto-billing, and standing instructions on utility bill payment.
    • Earn 1x Reward Points on all other purchases.
    Additional Points Description
    How to Use It
    • Set auto-billing or standing instructions on the card to pay your utility bills.
    • Pay with the HSBC Advance Visa Platinum Credit Card for your online purchases.
    • Collect Reward Points on the amount you spend with the card.
    • Redeem the vouchers and gifts from the rewards redemption catalogue.
    Good about It
    • Enjoy a host of premium privileges provided by Visa.
    • Get shopping deals and discounts at 6,500 merchant outlets with the SmartPrivileges Programme.
    • Get accurate SMS updates on the registered mobile number for every transaction done with your card.
    Keep in Mind
    • The Additional Reward Points are capped at RM6,000 per card per month.

    Who Should Get It

    • Those who pay utility bills online regularly.
    • Those who make online purchases often.

    RHB Smart Value Credit Card

    The RHB Smart Value Credit Card gives high cashback when you spend on the 4 categories specified by the bank. You must know that the RHB Smart Value Credit Card is an amalgamation of the cards- EVO, Travel Money, Gold, and Classic Cards.

    Key Benefits

    • Get up to 5% cashback when you spend on utility bills based on the total monthly spend.
    • Get up to 5% cashback on petrol, grocery, and online shopping.
    • All other transactions will fetch you 0.2% cashback.
    Additional Points Description
    How to Use It
    • Swipe the RHB Smart Value Credit Card to pay your utility bills.
    • Use the card to make all the retail and online purchases.
    • Earn cashback on each category based on the total monthly spend done with the card.
    Good about It
    • The 0.2% cashback you get on other category spends has no capping.
    • Make your payments quickly using the contactless technology at the contactless terminal.
    • Get a comprehensive travel insurance coverage of up to RM100,000 when you travel abroad.
    Keep in Mind
    • The cashback is capped at RM10 per category per month.

    Who Should Get It

    • Those who pay the utility bills online.
    • Those who spend on petrol, grocery, and online purchases.

    Alliance Bank Gold Card

    The Alliance Bank Gold Card offers cashback and reward points with every transaction. It also provides airline miles and exclusive offers and discounts for a variety of products and services.

    Key Benefits

    • Enjoy evergreen Timeless Bonus Points (TBP) for utilities, overseas, and domestic retail.
    • Enjoy privileges and discounts at all participating merchants.
    • Redeem airline miles (Enrich Miles and AirAsia BIG Points) with TBP.
    • Pay with easy instalments at a 0% profit rate at all participating merchant outlets.
    Additional Points Description
    How to Use It
    • Use the credit card to make your utility bill payments such as electricity bills, telephone bills and others.
    • Swipe the card at participating merchants to earn cashback and to access other exciting offers.
    Good about It
    • Set standing instructions for utility bill payments.
    • Get a grace period of 20 days for retail transactions.
    • Get an annual fee waiver for the first year.
    • Enjoy cash advance of up to 100% of the total credit limit.
    • Enjoy facilities such as internet banking via allianceonline, MEPS BIG at participating financial institutions, and Cheque Xpress/Cash Deposit Machines.
    Keep in Mind
    • Grace period for retail transactions are only applicable if the dues for the previous month are paid by the due date.
    • Minimum income in order to apply for the card is RM24,000 p.a.

    Who Should Get It

    • Those who want to earn cashback on their utility bill payments along with other exclusive offers in retail and shopping.

    CIMB Cash Rebate Platinum Credit Card

    CIMB Cash Rebate Platinum Credit Card offers discounts on a large variety of transactions, including groceries, entertainment expenses, and others. Enjoy special privileges and offers with this card with no annual fees.

    Key Benefits

    • Get up to 5% discount on utility bill payments, groceries, movie tickets, and mobile bill payments.
    • Get 2% discount on overseas retail and online transactions.
    • 0.2% discount on other retail and online transactions with no capping.
    Additional Points Description
    How to Use It
    • Use the credit card for all transaction including utilities, groceries, retail, and cinema expenses.
    • Get discounts based on the transactions made.
    • Get privileges and exclusive offers at select merchants.
    Good about It
    • No annual fees for life.
    • Auto-reload option with the Touch ‘n Go Zing Card in denominations of RM100, RM200, and RM300.
    • Enjoy 0% instalment payments for up to 36 months using the bank’s Easy Pay facility on purchases from participating merchants
    Keep in Mind
    • Utility and mobile bill payments can only be done with standing instructions with this credit card.
    • 2% discount on overseas retail and online transactions has a cap of RM30 per month.
    • The auto-reload option with the Touch ‘n Go Zing Card has a reload fee of RM1.50.

    Who Should Get It

    • Individuals who spend regularly on groceries, utilities, fuel, and mobile payments.
    • Individuals looking for online and shopping discounts.

    Standard Chartered Cashback Platinum Mastercard

    Standard Chartered Cashback Platinum Mastercard provides cashback on a variety of transactions and helps increase your monthly savings. It also offers exciting offers and privileges at over 4,000 outlets in Malaysia and across Asia.

    Key Benefits

    • Get up to 5% cashback on various transactions, including utilities, retail, and more.
    • Annual fee waived for the first year.
    Additional Points Description
    How to Use It
    • Use the card to make payments for a variety of services, including utility bill and mobile bill payments.
    • Use the card at over 4,000 merchants for exclusive Standard Chartered offers and privileges.
    Good about It
    • Make easy payments with the widely accepted Samsung Pay feature.
    • Get low interest rate on instalment payments with the Flexipay Plus feature.
    • Enjoy cash transactions at affordable interest rates with the Cheque-On-Call Plus feature.
    Keep in Mind
    • Cashback is only applicable on a minimum expense of RM500 per month.
    • The cashback cap is RM50 per month.
    • Cashback is not applicable for insurance and fuel transactions.
    • Annual fees are waived only for the first year, for both primary and supplementary cards.
    • From the second year onwards, the annual fee is RM175 on the principal card, and RM100 on the supplementary card.

    Who Should Get It

    • Those who want good cashback on a large variety of transactions.
    • Those who are looking for exclusive offers and privileges on a variety of services.

    AEON Platinum Credit Card

    The AEON Platinum Card provides both cashback and discounts on a variety of transactions, including movies, utility bill payments, and transactions at AEON and AEON BiG departmental stores. It also provides attractive reward points with every transaction, and has special premium lounge privileges.

    Key Benefits

    • Get 2% cashback on utility bill payments made online.
    • Get 5% cashback on transactions made at AEON and AEON BiG departmental stores on the 20th and 28th of each month.
    • Get discounts of up to RM14 when purchasing movie tickets at select cinemas.
    Additional Points Description
    How to Use It
    • Use the card to make various payments including utility bill payments.
    • Get cashback automatically credited at the end of each month.
    • Get reward points which can be redeemed at a large number of stores.
    Good about It
    • Get 4 AEON Reward Points for every RM1 spent at AEON and AEON BiG departmental stores.
    • Get 1 AEON Reward Points for every RM1 spent on all other transactions.
    • Get complimentary 6x access to Plaza Premium Lounges.
    Keep in Mind
    • Complimentary access to Plaza Premium Lounges is applicable for the principal cardholder only.
    • Minimum annual income to get the Platinum card is RM60,000.

    Who Should Get It

    • Individuals looking for good cashback offers on groceries and utility bill payments.
    • Individuals who spend regularly on movies.

    How to Choose the Best Credit Cards for Utility Bills pay ?

    These are some of the top credit cards in Malaysia, which you can consider to make your utility bill payments. You can instruct the bank such that your bills are paid automatically every month. That way you will not miss out on paying the bills on time. You can make bill payments beneficial to you by choosing a card that offers a reasonable number of reward points or high cashback.

    Some cards may provide rewards only when you subscribe for the bank’s auto-bill payment facility. So, read the fine print of the card to know the actual procedure to earn rewards on utility bill payments.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    BBazaar's Best Credit Cards to Pay Utility Bills of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Benefits
    Maybank American Express Gold Credit Card 5x Membership Rewards Points on mobile bill payment
    UOB One Platinum Credit Card Up to 2% cash rebate on mobile bill payments
    HSBC Advance Platinum Credit Card 3x Reward Points on auto-billing and standing instructions for utility bill payment
    RHB Smart Value Credit Card Up to 5% cashback on utility bill payment
    Alliance Bank Gold Card

    2x Timeless Bonus Points (TBP) for every RM1 spent on utilities.

    2x TBP for every RM1 spent on overseas retail.

    1x TBP for every RM1 spent on all other domestic retail.

    Maybank 2 Gold Cards

    1x TreatsPoints on utility bill payments

    5x TreatsPoints for all local and overseas expenditure via Maybank 2 American Express Card

    5% “Weekend Cashback” when spent via Maybank 2 American Express Card

    CIMB Cash Rebate Platinum Credit Card

    Up to 5% cash rebate on movies, fuel payments, utility bills, and mobile bill payments.

    2% cash rebate on foreign currency spent online or through retail.

    0.2% cash rebate on other online or retail expenditure.

    Standard Chartered Cashback Platinum Mastercard

    Up to 5% cash rebate on all expenses other than insurance and fuel transactions.

    AEON Platinum Credit Card

    2% cashback on online payment of utility bills.

    5% cashback on AEON and AEON BiG stores on the 20th and 28th of each month.

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

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