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    Utility Credit Cards

    Utility cards offer rewards when you use them to pay your bills. Not only can you pay your bills easily through online portals or set up auto-payment on you card, you will also get benefits like cash rebate, reward points, and exclusive discounts. We have compiled a list of credit cards that offer rewards on utility bill payment.

    Features And Benefits Of Choosing A Utility Credit Card

    The features and benefits of choosing a utility credit card are:

    • Never miss a utility payment again with the auto-bill payment feature.
    • Register for recurring auto-bill payment facility and earn cashback or reward points.
    • Get cash advance from a utility credit card.
    • Use mobile wallets to pay for your purchases in a secure way.
    • Choose to pay the outstanding balance of your card with a low-interest instalment plan.
    • Enjoy Cheque-On-Cash facility where you can get access to additional cash at low interest rates with a repayment tenure of your choice.
    • Get offers on groceries, online shopping and petrol bills.
    • Some cards may also comprise contactless technology for faster payments.
    • Get travel insurance cover with your utility credit card.

    Compare Utility Credit Cards In Malaysia

    Name of the Card Cashback/ Reward Points Earned Benefits Offered on Payment of Utility Bills Annual Fee
    Hong Leong WISE Platinum Visa Credit Card
    • 10% cashback on chosen categories.
    • Get 10% cashback per month on utilities as one of your spend categories.
    • Principal card – RM300.
    • Supplementary card – RM150.
    Alliance Bank Platinum (Visa) Credit Card
    • 3x TBP on overseas retail purchases.
    • 2x TBP on groceries and petrol.
    • 1x TBP on all other domestic retail purchases.
    • Earn 2x Timeless Bonus Points on every RM1 spent on utility bills.
    • Principal card – RM438.
    • Supplementary card – waived for life.
    • Annual fee on principal card is waived when you spend a minimum of RM5,000 or swipe your card at least 12 times in a year.
    RHB Smart Value Credit Card
    • Up to 5%  cashback on petrol, groceries, online, and other purchases.
    • Complimentary travel insurance of up to RM100,000.
    • Up to 5% cash rebate.
    • Principal card – RM70 p.a.
    • Supplementary card – waived for life.
    Standard Chartered JustOne Platinum Mastercard Credit Card
    • Cashback of RM1,000 and more on petrol, online and daily transactions..
    • Get 0.2% cash rebate on all other card spends.
    • Cashback of more than RM1,000 on auto-payment of telecom, gas, water, and other utility bills.
    • First year fee waived off.
    • RM250 2nd year onwards.
    • Spend a minimum of RM20,000 p.a. to have the annual fee waived off for the subsequent years.
    CIMB Cash Rebate Platinum Credit Card
    • Earn 2% cashback on foreign currency spend on retail or online purchases.
    • Up to 5% cashback on grocery, cinema, and petrol spends.
    • Get 0.2% on other online and retail purchases.
    • Get up to 5% cashback on utility bill payment via standing instruction.
    • Principal card – waived for life.
    • Supplementary card – waived for life.
    UOB One Platinum Credit Card
    • 8% cashback on petrol, cinema, groceries, and other purchases.
    • Earn SMART$ rebates at selected merchant outlets.
    • Discount of up to 15% at partner restaurants.
    • Up to 2% cashback on the payment of telco bills.
    • Principal card – RM168 p.a.
    • Supplementary card – RM30 p.a.
    Maybank 2 Gold Cards
    • Get up to 5x TreatsPoints for every RM1 spent on local and overseas transactions.
    • Get 1x TreatsPoints when you spend using.
    • Earn 5% cashback for spends on American Express Card.
    • Earn 1x TreatsPoints utility bill transactions.
    • Earn 5% cashback when you pay your water, electricity, and other utility bills over the weekend.
    • Annual fee waived for principal and supplementary cards.
    HSBC Advance Platinum Credit Card
    • Earn 3x reward points for online transactions.
    • Get 1x reward points for all other purchases.
    • Get 3x reward points when you use your card to pay utility bills via auto payment or standing instruction.
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    How do Utility Cards Work?

    A utility credit card is one that offers benefits, like reward points and cashback, when you use it to pay your monthly bills including water, electricity, telephone, mobile, gas, and sanitation.

    For example, Hong Leong WISE Platinum Visa Credit Card offers 10% cashback on your chosen categories. If you have utilities and petrol as your preferred categories, you are entitled to get 10% cashback per month..

    Type of Transaction Amount Spent Cashback Earned Total Cashback Earned
    Utility Bills RM400 RM40 RM90
    Petrol RM500 RM50
    Other Retail Purchases RM1,200 -

     

    Let’s say you spend RM400 on your utilities and RM500 on petrol. For each category, you get 10% cash rebate. For utilities you get a cashback of RM40 and for petrol you get RM50.  

    To be eligible for this card you must spend at least RM2,000 on retail transactions per month. The maximum cashback you can get for both categories combines is RM100 each month.

    Advantages of Utility Credit Cards

    Utility cards make it easy for you to pay your monthly water, gas, telco, and other bills, and offer rewards for doing so. You can choose to pay your bills either through standing instruction or auto payment. For each payment you make, you can earn reward points or cashback, depending on your bank.  

    How to Choose the Best Utility Credit Card?

    If you are looking for a utility card that works best for you, you should first look at cards that reward you for utility payments. The next is to look at the different bills and the amount you pay per month. Compare the various rewards offered by the card to your expenses. Choose one that offers you maximum benefits.

    How to Make the Most of Your Utility Card?

    Get maximum benefits from your card by using it to pay electricity, water, gas, mobile, and other such bills. In addition to bill payment, utilise the benefits offered on other categories like retail, shopping, petrol, and more. Check if there are any ongoing promotions for a specific card.

    Eligibility Criteria

    Name of the Card Eligibility Criteria
    Hong Leong WISE Platinum Visa Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM60,000 p.a.
    Alliance Bank Platinum (Visa) Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM60,000 p.a.
    • Supplementary cards for immediate family members
    RHB Smart Value Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM24,000 p.a.
    Standard Chartered JustOne Platinum Mastercard Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM24,000 p.a.
    CIMB Cash Rebate Platinum Credit Card
    • Minimum income – RM24,000 p.a.
    UOB One Platinum Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM48,000 p.a.
    Maybank 2 Gold Cards
    • Minimum age for principal cardholder – 21 years.
    • Annual income for Malaysians with Maybank account – minimum RM30,000 p.a.
    • Annual income for Expatriates holding a Maybank account - minimum RM60,000 p.a.
    HSBC Advance Platinum Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM36,000 p.a.

     

    Documents Required

    Source of Income Documents Required
    Employment
    • Payslip for at least 6 months.
    • Copy of MyKAD, passport or NRIC.
    • Latest bank statement.
    • Latest EA form or EPF statement.
    Self-Employment
    • Copy of MyKAD, NRIC, or Passport.
    • Company or personal bank statement of the last 6 months.
    • Income tax returns (Form B or the latest EA Form)
    • Copies of Business Registration Certificate or Form 9, Form 24, and Form 49 or Trading License.
    Other Income You might need to submit any or all of the following:
    • Annuities statements.
    • Pension statements or vouchers.
    • Tenancy agreements.

     

    Promotions

    Get an additional discount of 10% when you shop for sunglasses at Opulence. The offer is applicable only when you pay with your HSBC/HSBC Amanah debit/credit card/-i, and is valid until 31 August 2019.

    Enjoy 1-for-1 on food or beverages at selected restaurants such as Sakae Sushi, Pisco Bar, Miru Dessert Café, and more. The offer is applicable only when you pay with your UOB card, and is valid until 31 December 2018.  

    Enjoy a discount of 10% when you book your holiday accommodation with your Standard Chartered card. The offer is valid on selected properties on Hotels.com, and is valid until 31 December 2018. To be eligible for this offer, you must spend a minimum of RM400.

    Conclusion

    Use your card to pay utility bills and enjoy benefits like cashback, reward points, and more. Make sure to keep in mind the cap on the offers and other terms and conditions. You can also take a look at the other credit cards available in Malaysia.

    FAQs    

    Q. Is there a cap on the cashback offered?

    A. Yes, some cards have a cap on the cash rebate you earn. For example, RHB Smart Value Credit Card has a cap of RM10. The maximum cashback you can earn per month cannot exceed RM10. The CIMB Cash Rebate Platinum Credit Card offers 5% cash rebate for statement balance RM3,000 and above, and 2% cashback for statement balance below RM3,000. The maximum cash rebate for this card is capped at RM30 per month.

    Q. What can you redeem with your reward points?

    A. You can redeem your reward points for gifts, shopping vouchers, discounts at partner outlets, and travel miles. With the Alliance Bank Platinum (Visa) Credit Card, you can redeem your Timeless Bonus Points for Enrich Miles and AirAsia BIG Points.

    Q. Do you get both cashback and reward points for using your card to pay utility bills?

    A. No, generally cards offer either reward points or cashback on payment of utility bills. However, you can earn rebates and reward points on the same card by making purchases in different category like retail, petrol, and overseas.   

    Q. Are the reward points earned on utility bill payments valid for life?

    A. Not all cards come with rewards points that are evergreen. However, there are cards like the Alliance Bank Platinum (Visa) Credit Card, which offer points that do not expire.

    Q. Is the cashback or reward points offer limited to selected participating partners?

    A. Yes, some cards offer rewards only when you make utility bill payments to select service provider. The UOB One Platinum Credit Card offers cashback on telecom bills made to Celcom, Digi, or Maxis.

    Q. What is the finance charge for a cash advance?

    A. Generally, when you take a cash advance, you will be charged a minimum of 5% of the cash withdrawn or RM20, whichever is higher.

    Q. Can I get the Balance Transfer feature with a utility credit card?

    A. Yes. You can have Balance Transfer facility with your utility credit card.

    Q. Which utility billers can be paid through utility cards?

    A. Utility cards can be used with many utility billers such as Astro, Celcom, Tenaga Nasional Berhad, Maxis, etc.

    Q. Can I use a utility card overseas?

    A. Yes. You can use a utility card overseas. However, you will probably be using the utility card for purposes other than utility.

    Q. How can I make payment for a utility card?

    A. You can choose one of the following ways to make payment for your utility card:

    • Submit cash or cheque at the nearest branch.
    • Instruct the bank to deduct the payment from your savings/current account.
    • You can drop a cheque at a cash deposit machine.
    • You can transfer money through internet banking.
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