• 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 1st July 2018

    Card Name
    Benefits
    Annual Fees
    Know More

    Up to 15% cashback every month on daily spends

    RM250 Waived for the first year (effective 1 August 2018, subsequent years will be waived with a minimum spend of RM20,000 in a year)

    Up to 5% cashback on utility bill payments

    Waived

    Up to 2% cash rebate on phone bill payment (weekends)

    RM68

    Up to 5% cash rebate on utility bills

    RM70

    2x Timeless Bonus Points (TBP) on utility bill payments

    RM438 (waived on a minimum spend of RM5,000 or if 12 swipes are made in a 12-month period)

    Up to 3x reward points for recurring bill payments

    RM20 cashback from HSBC Rewards Catalogue

    Waived

    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

    Waived

    Standard Chartered JustOne Platinum Mastercard Credit Card

    The card offers up to RM1,000 cashback on your monthly expenditures. Your insurance premiums and other utility bill payments made with the card are also eligible to earn cashback.

    Key Benefits

    • Earn up to 15% cashback every month on your daily expenditures.
    • Online purchases and petrol transactions are also entitled for cashback.
    • Enjoy 0.2% cashback on all other expenses.
    Additional Points Description
    How to Use It
    • Use the credit card to make your utility bill payments like telephone bills, electricity bills, etc.
    • Use the card at more than 4,000 participating merchants to earn cashback and to access other exciting offers.
    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
    • You need to have an annual income of minimum RM24,000.
    • 15% cashback is capped at RM85 for each month.

    Who Should Get It

    • Those who want to earn cashback on their utility bill payments.

    CIMB Cash Rebate Platinum Credit Card

    The credit card offers cashback on mobile bill payments and other utility bill related transactions. It also offers cash rebates on movies, grocery, and petrol purchases.

    Key Benefits

    • Enjoy 5% cashback on your utility bill expenditures and mobile bill payments.
    • Earn 5% cashback on your grocery, petrol, and cinema spends.
    • Get 2% cash rebate on expenses made in any foreign currency via online or retail purchases.
    • Any other online retail expenditures will earn you 0.2% cash rebates.
    Additional Points Description
    How to Use It
    • Use the card to pay your utility bills via Standing Instructions.
    • Use the card at participating merchants to enjoy various CIMB Credit Card privileges and promotions.
    Good about It
    • You will get a complimentary Touch ‘n Go Zing Card with your credit card.
    • Earn unlimited cash rebates on online purchases and other retail expenditures.
    Keep in Mind
    • Mobile bills payments and utility bill payments must be made via Standing Instructions to earn cashback.
    • Get 5% cash rebates on monthly statement balance above RM3,000.
    • Cash rebate is capped at RM30 per month on every card.
    • On monthly statement balance less than RM3,000, you are entitled to get 2% cash rebate.

    Who Should Get It

    • Those who spend more on utility bill payments.
    • Those who shop in a foreign currency.

    UOB One Credit Card

    UOB One Credit Card gives you cash rebates on your phone bills. The cash rebate you can earn varies based on whether you pay the bill on a weekday or weekend. In addition, the card provides cash rebates on other categories such as petrol and grocery purchases. Convert your purchases into instalments at an interest rate of 0%

    Key Benefits

    • Earn a cash rebate of 1% on the amount you spend on phone bill payment on a weekday.
    • Earn a cash rebate of 2% when you spend on phone bill payment on weekends.
    • Earn cash rebates on petrol, cinema, groceries, and other purchases.
    Additional Points Description
    How to Use It
    • Spend with the UOB One Credit Card.
    • Get cash rebates automatically credited to your account.
    Good about It
    • Accumulate SMART$ rebates when you spend with the card at the participating SMART$ merchant outlets.
    • Enjoy up to 15% discount on your food bill at the participating restaurants across Malaysia.
    Keep in Mind
    • The cash rebate you can earn on phone bill payments is capped at RM200 per month.
    • The minimum annual income criterion for the card is RM24,000.
    • You will get a cash rebate when you pay telecom bills of the networks, such as Maxis, Digi, and Celcom.

    Who Should Get It

    • hose who pay phone bills.
    • Those who make petrol and grocery transactions.

    RHB Islamic Smart Value Credit Card-i

    RHB Islamic Smart value Credit Card-i gives cashback of up to 5% on the money you spend on utility bill payments. The actual percentage of cashback depends on the total amount spent with the card on different categories in a month. Read more to know how the card works:

    Key Benefits

    • Get 1% cashback on utility bill payment if the total amount spent for the month is between RM500 and RM1,500.
    • Earn 2% cashback on bill payments if the monthly spend is between RM1,501 and RM2,500.
    • If your monthly spend is above RM2,501, then you can earn 5% cashback on bill payments.
    • Get cashback of up to 5% on petrol, grocery, and online purchases.
    Additional Points Description
    How to Use It
    • Use the card to pay your utility bills.
    • Earn cash back based on the total monthly spend.
    Good about It
    • Get a complimentary travel insurance coverage of up to RM100,000.
    • Use the contactless technology of your card to make quick payments.
    Keep in Mind
    • The cashback is capped at RM10 per category per month.
    • The travel insurance is provided only when you pay the entire flight fare with the card.

    Who Should Get It

    • Those who pay utility bills every month.
    • Those who make online, grocery, and petrol purchases often.

    Alliance Bank Platinum (Visa) Credit Card

    You can earn Timeless Bonus Points (TBP) on your transactions made with the card. Utility bill payments will earn you 2 TBPs on all your transactions of RM1 and above.

    Key Benefits

    • Earn 3x TBP on every RM1 spent on overseas retail purchases.
    • Enjoy 2x TBP on each RM1 when you spend on grocery, petrol, and utility bill payments using the card.
    • Any other domestic retail transactions will earn you 1x TBP on every RM1 spent.
    • Get Airline Miles Redemption facility on your earned TBP.
    Additional Points Description
    How to Use It
    • Use the card to make your utility bill payments.
    • Use the card to earn TBP and redeem them for air miles.
    • Use the card at participating merchants to get additional privileges and benefits.
    Good about It
    • The card offers an Instalment Payment Plan at a profit rate of 0% p.a. when you shop at participating merchants.
    • You can get free and unlimited access to KLIA Plaza Premium Lounge through your card if you are a PB or AP member.
    • Cash advance facility is permitted up to 100% of your credit limit.
    • It has global acceptance and recognition.
    Keep in Mind
    • TBP is awarded only on retail purchases excluding government agency related transactions.
    • TBP cannot be transferred or exchanged for cash.
    • You need to have an annual income of minimum RM60,000.

    Who Should Get It

    • Those who make regular retail transactions.
    • Those who make utility bill payments using a card.

    HSBC Advance Visa Platinum Credit Card

    This credit card offers reward points on your expenditures for utility bill payments, online purchases, along with all other purchases.

    Key Benefits

    • Earn 3x reward points on your automatic bill payments, online purchases, and standing instructions.
    • Earn 1x reward point on every RM1 spent for other retail transactions.
    • You are automatically eligible for the HSBC Rewards Programme as a HSBC Advance Visa Platinum Credit Cardholder.
    • You can redeem your reward points online through the programme.
    Additional Points Description
    How to Use It
    • Use the card to make your recurring bill payments.
    • Use the card for online transactions to earn maximum reward points.
    • Use the card to enjoy facilities such as balance transfer and cash advance.
    Good about It
    • You can redeem your accumulated reward points.
    • You can redeem your earned reward points for gift items, shopping vouchers dining deals, travel packages, flight tickets, etc.
    • You can enjoy various other premium privileges from Visa.
    • The card comes with worldwide recognition.
    Keep in Mind
    • You need to have an HSBC Advance Account to get this credit card.
    • You need to have an annual income of RM36,000.

    Who Should Get It

    • Those who regularly pay their utility bills.
    • Those who make automatic bill payments.

    Maybank 2 Gold Cards

    The card gives you benefits of 2 different credit cards in one statement and one sign-up. These 2 cards are- Maybank 2 American Express Gold Card and Maybank 2 Mastercard/Visa Gold Card.

    Key Benefits

    • On all your purchases made in Malaysia and outside the country, you will get 5x TreatsPoints on your Maybank 2 American Express Card.
    • Get 1x TreatsPoints on all your expenditures made with Maybank 2 Mastercard/Visa Card.
    • Get 5% “Weekend Cashback” on your transactions with Maybank 2 American Express Card.
    • Enjoy up to 50% discount on dining at SPG Hotels and Resorts.
    Additional Points Description
    How to Use It
    • Use the card on weekends to earn both TreatsPoints and Weekend Cashback.
    • Use this credit card to make your gas, electric, sanitary and water bill payments to earn 1x TreatsPoints.
    • Swipe the card for your petrol payments to earn 5x TreatsPoints.
    Good about It
    • The card comes with an Express AutoPay facility.
    • It offers annual fee waiver for life.
    • 0% EzyPay plan will also earn you 1x TreatsPoints.
    Keep in Mind
    • 5% weekend cashback is capped at a maximum of RM50 for each principal cardholder per month.
    • 5x TreatsPoints for petrol transactions is limited to each transaction up to RM500. Subsequently, 1x TreatsPoints will be offered for every RM1 spent using the card.
    • Government bodies related transactions are not eligible to earn TreatsPoints.

    Who Should Get It

    • Those who spend regularly on petrol purchases.
    • Those who make regular payments for education institutions, insurance covers and utility bills.

    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. Read all the listed features and benefits of these cards to choose a suitable card according to your lifestyle. You can also arrange for your utility bill payments to be auto-debited from your account every month using any of the above cards.

    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
    Standard Chartered JustOne Platinum Mastercard Credit Card Up to 15% cashback every month on daily spends
    CIMB Cash Rebate Platinum Credit Card Up to 5% cashback on utility bill payments
    UOB ONE Credit Card Up to 2% cash rebate on phone bill payment (weekends)
    RHB Islamic Smart Value Credit Card-i Up to 5% cash rebate on utility bills
    Alliance Bank Platinum (Visa) Credit Card 2x Timeless Bonus Points (TBP) on utility bill payments
    HSBC Advance Visa Platinum Credit Card

    Up to 3x reward points for recurring bill payments

    RM20 cashback from HSBC Rewards Catalogue

    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

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