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  • Best Credit Cards to Pay Utility Bills

    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. 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.

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

    Updated on 14th November 2018

    Card Name
    Benefits
    Annual Fees
    Know More

    10% cashback of up to RM100 on chosen categories.

    (Benefits)

    RM250 for principal card

    RM80 for supplementary card.

    (Annual Fees)

    Up to 5% cashback on petrol, groceries, online, utilities, and other expenses.

    (Benefits)

    RM70 for principal card. Waived for life for supplementary cards.

    (Annual Fees)

    Up to 10% cashback on utilities, dining, and online expenses.

    (Benefits)

    RM198 for principal card.

    RM30 for supplementary card.

    (Annual Fees)

    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)

    Up to 3% unlimited cashback on all retail purchases every month.

    (Benefits)

    RM148 Annual fee waived with a minimum expenditure of RM5,000 or 12 swipes with the card within a year.

    (Annual Fees)

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

    (Benefits)

    RM68.

    (Annual Fees)

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

    (Benefits)

    RM250 Waived for the first year (effective 1 August 2018) Subsequent years’ annual fees will be waived on a minimum spend of RM20,000 in a year.

    ( Annual Fees)

    5x Membership Rewards Points on mobile bill payments.

    (Benefits)

    Waived for life.

    Annual Fees

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed upon card renewal or new card sign up.

    Hong Leong Visa WISE Gold Credit Card

    This card allows you to earn cashback on a variety of your utility payments. You can choose the categories of utilities 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 utilities depending on your priority.
    • Choose up to 2 categories for utility payments from the following categories: pharmacies, groceries, petrol, dining, departmental stores, bookstores, utilities, entertainment, and travel payments.
    Keep in Mind
    • Utility payments include, water and electricity.
    • You need to spend a minimum of RM2000 in order to be eligible for the 10% cashback offer.

    Who Should Get It

    • If you are using you card to pay electricity and water bills.
    • If you are looking for a card with good cashback benefits.

    RHB Islamic Smart Value Credit Card-i

    The card provides cashback on essentials such as groceries, online spends, petrol, and other utility bills. With a complimentary travel insurance, you can book tickets and enjoy your trip without worry. Let’s look at some of the key benefits with the card.

    Key Benefits

    • Get 5% cashback on petrol, groceries, online expenses, and utility payments.
    • Enjoy 2% cashback on petrol, groceries, online payments, and utilities when you spend between RM1,501 to RM2,500.
    • Make contactless payments at enabled outlets in Malaysia.
    Additional Points Description
    How to Use It
    • Use the card for all retail and other transactions.
    • Earn cashback based on the slab and the cashback limit offered in the category.
    • The cashback will be added to your credit card bill at the end of the month.
    • Get travel insurance coverage when you book tickets with the card.
    Good about It
    • Get 1% cashback on groceries, petrol, online expenses, and utility payments of up to RM10 when you spend between RM500 to RM1,500.
    • Enjoy unlimited cashback of 0.2% on expenses other than petrol, groceries, utilities, and online spends.
    Keep in Mind
    • The maximum cashback that you can earn in each category is RM10, apart from other spends (expenses which do not include petrol, groceries, utilities, and online transactions).
    • You can get the 5% cashback only when you spend RM2,501 and above.
    • The maximum credit limit on the card is RM300,000.
    • The travel insurance coverage limit is RM 100,000 for the whole family.

    Who Should Get It

    • If you are looking for cashback offers on all transactions.
    • If you are a frequent flyer.

    UOB Preferred Platinum Credit Card

    This card helps you earn cashback and rewards on retail and other transactions. Get a chance to win an iPhone X 64GB by being one of the top two spenders within 31 December 2018. Let us look at the main features of the card.

    Key Benefits

    • Enjoy 10% cashback on utility payments with Maxis, Digi, Celcom, Astro, TM, and TNB.
    • Pay in easy monthly instalments of 3 months when you spend RM3,000 or above at 0% interest.
    Additional Points Description
    How to Use It
    • Use the card to make payments on dining, utility bills, and other payments.
    • Enjoy cashback on the transactions which shall be added to your account at the end of the month.
    Good about It
    • Earn cashback on dining and selected online expenses.
    • Get 10% cashback on selected dining and online payments
    • Increase your fitness with the complimentary 14 day membership during your birthday month. The offer is valid till 31 December 2018.
    Keep in Mind
    • You need to spend a minimum of RM1000 to earn cashback on the card.
    • The maximum cashback on the card that can be earned is RM50.

    Who Should Get It

    • If you make a lot of online transactions.
    • If you are looking for cashback on your expenses.

    Maybank 2 Gold Cards

    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 benfits of both Visa/ Mastercard and American Express with ne sign up and a 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

    • If you are looking for a card which shall be beneficial for both local and overseas transactions.
    • If you are looking for good cashback offers.

    Alliance Bank You:nique Rebates Credit Card

    The Alliance Bank You:nique Rebates Credit Card is just what you need if you’re looking for a cashback card that has no restrictions on the rebate amount or what and where you spend. In fact, you can earn unlimited rebates no matter what retail spend you make using this card.

    Key Benefits

    • Enjoy up to 3% unlimited rebates on all retail spends you make with this card every month.
    • Get a personalised credit card with your own, unique image.
    • Transfer any outstanding balance you may have on another bank’s credit card for a comparatively lower interest rate.
    Additional Points Description
    How to Use It
    • Use this credit card to make your utility bill payments such as electricity bills, telephone bills and others.
    • Swipe the card at all retail merchant outlets to earn unlimited cashback.
    Good about It
    • There are no restrictions on what kind of retail spends you’ll need to make to earn rebates.
    • The annual fee can be waived with a minimum spend of RM5,000 p.a. or 12 transactions within a 12-month period.
    Keep in Mind
    • Maximum cashback rate of 3% is valid only for a minimum monthly spend of RM2,001 - RM3,000.
    • The cashback rate drops to 1.5% for retail expenses between RM1,001 - RM2,000.
    • The cashback rate drops further to 0.5% for retail expenses up to RM1,000.
    • For monthly retail expenses above RM3,000, the eligible cashback rate will be 0.3%.

    Who Should Get It

    • Those who want to earn cashback on their utility bill payments along with other retail expenses, including shopping, petrol, and groceries among others.

    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 payments on weekdays.
    • Earn a cash rebate of 2% when you spend on phone bill payments on weekends.
    • Earn cash rebates on petrol, cinema, groceries, and other purchases.
    Additional Points Description
    How to Use It

    Use this credit card for all eligible transactions, including utilities, groceries, petrol, and cinema expenses and earn rebates.

    Good about It
    • Accumulate SMART$ rebates when you spend with this card at participating SMART$ merchant outlets.
    • Enjoy up to 15% off your food bills at partnering restaurants across Malaysia.
    • The minimum income criteria for this credit card is RM24,000 p.a.
    Keep in Mind
    • The cash rebate you can earn on phone bill payments is capped at RM200 per month.
    • You will get a cash rebate when you pay telecom bills of the networks, such as Maxis, Digi, and Celcom.

    Who Should Get It

    • Those who wish to save on utilities, fuel, groceries, and mobile payments.

    Standard Chartered JustOne Platinum Mastercard Credit Card

    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.

    Maybank American Express Gold Credit Card

    The Maybank American Express Gold Credit Card rewards you for using the card to make your mobile bill payments; limited to participating network carriers. This card also offers reward points for eligible retail spends, such as groceries and movie ticket expenses.

    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.
    • The annual fee of the principal and the supplementary credit card is waived for life.
    Keep in Mind
    • Government-related transactions are not eligible to earn reward points.
    • Only Maybank account holders can apply for this credit card.

    Who Should Get It

    • Those who wish to earn redeemable reward points on their utility bill payments and other retail expenses.

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

    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. Keep in mind to choose a card that offers you benefits on bill payments. Compare the best credit cards available and apply accordingly.

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

    Review

    When it comes to utilities, all the cards on this list provide a wide array of benefits in terms of rebates and reward points. But, a closer look reveals that the Alliance Bank You:nique Rebates Credit Card is the best one at the moment.

    For starters, you can earn unlimited rebates of up to 3% without having to worry about what you’re spending on. This means that whether you spend on utilities, petrol, groceries, or even dining, you’re still good to earn the rebate amount.

    The only criteria you’ll need to satisfy to earn maximum rebates is the minimum spending condition – RM2,001 - RM3,000. Anything over or under this spending bracket leads to a reduction in the cashback amount.

    Illustration

    Take a look at the table below to know how you can earn maximum reward points every month with your Alliance Bank You:nique Rebates Credit Card:

    Spending Category Spends of RM2,001 – RM3,000 per month Spends of RM3,000 or more per month
      Amount Cashback Earned Amount Cashback Earned
    Dining RM150 RM4.5 RM350 RM1.05
    Utilities RM690 RM20.7 RM900 RM2.7
    Overseas RM425 RM12.75 RM850 RM2.55
    Petrol, groceries, pharmacy, and other spends RM1,375 RM41.25 RM1,500 RM4.5
    Total RM2,640 RM79.2 RM3,600 RM10.8

    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
    Hong Leong Visa WISE Gold Credit Card 10% cashback of up to RM100 on chosen categories.
    RHB Islamic Smart Value Credit Card-i Up to 5% cashback on petrol, groceries, online, utilities, and other expenses
    UOB Preferred Platinum Credit Card Up to 10% cashback on utilities, dining, and online expenses.
    Maybank 2 Gold Cards

    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.

    Alliance Bank You:nique Rebates Credit Card

    Up to 3% unlimited cashback on all retail purchases every month.

    UOB ONE Credit Card

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

    Standard Chartered JustOne Platinum Mastercard Credit Card

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

    Maybank American Express Gold Credit Card

    5x Membership Rewards Points on mobile bill payments.

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

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