Best Credit Cards to Pay Utilities Bills in Malaysia

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Save money and enjoy rewards when you pay for your bills every month. Here are the best credit cards in Malaysia to help you do so. We have compiled the list based on the cashback and reward points received when making bill payment with the cards.

Credit Card

Cashback / Rewards

Cashback Cap / Condition

Cashback / Rewards Category

Benefits and Promotion

Standard Chartered JustOne Platinum Mastercard

Cashback 15%

Minimum spend of RM2,500 per month, capped at RM85 per month

Cashback applicable for autobill payment on utilities, groceries and online shopping

Hong Leong WISE Gold Card

Cashback 10%

Capped at RM 100 per month. Requires minimum retail spending of RM2000 per month

Cashback categories to choose from are utilities, pharmacies, groceries, petrol, dining, departmental, book stores, entertainment, travel

        Choose 2 preferred cashback categories

UOB ONE Card

Cashback 2% on weekends, 1% on weekdays

Cashback up to RM200 per month for utilities

Utilities, petrol and cinema

·       Cashback up to RM 200 per month

RHB Islamic Smart Value Credit Card-i

Cashback of 5%

 

Capped at RM 15 per month.

Utilities, petrol, groceries and online shopping

·         Shariah compliant

 

Alliance Bank Gold Visa

2x Timeless Bonus Points for every RM1 spent on utility

None

Reward points for utility, retail (local and retail)

·         Redeem airmiles with points

·       Exclusive privileges and discounts at participating merchants

Standard Chartered JustOne Platinum Mastercard

Print Get up to 15% cashback cta-apply-now

Get up to 15% cashback with this card when you make payments for you bills through auto payment. Aside from the savings you get when paying for your bills with this card, you also get 0.2% cashback on other categories of spending too. You can receive up to RM1,020 in a year, check out the table below to see how you can get the savings with this card:

Retail Spend per month

Auto bill payments, online purchase and petrol

Other Categories

Cashback Cap

RM 1,000 – 1,499.99

5%

0.20%

 RM 12

RM 1,500 – 2,499.99

10%

0.20%

RM 28

RM 2500 and above

15%

0.20%

RM 85

Another perk of this card are the exclusive deals like RM 7 movie ticket at Golden Screen Cinemas by booking online and the Sakae Sushi buy one free one promotion. You will also receive RM150 cashback when you activate the card within 45 days of approval.

Requirements:

  • Minimum monthly income of RM2,000 (RM24,000 per annum)
  • Annual fee: RM 265 for principal cardholders and free  for supplementary card holders

Hong Leong WISE Gold Card

hongleongwisegoldvisa Get up to RM200 cashback on telco bill payment cta-apply-now

Enjoy flexibility of choosing from 2 spending categories to get cashback on with this card. This card is ideal if you want to get savings on your bill payments as that is one of the cashback categories you can choose from.

You can receive up to RM200 cashback on telco bill payment for Maxis, Celcom, Digi, U Mobile and utilities bill payment such as for electricity and water is also eligible for cashback. The 10% cashback will be credited for all eligible transactions of the spend categories choosen. The cashback is capped at RM100 per month. In order to get RM100, a minimum retail spend of RM2,000 in a calendar month is required.

Requirements:

  • Minimum monthly income of RM2,000 (RM24,000 per annum)
  • Annual fee: RM 265 for principal cardholders and RM84.80 for supplementary card holders

UOB ONE Card

uobonevisa
5% Cashback for Petrol & Cinema spend
 
2% Cashback for Groceries & Telco spend & 0.2% for Other spend
cta-apply-now

Save money by charging your recurring bill payments to your UOB ONE Card. The cashback rate is 2% for mobile bill payments made on weekends as 1% cashback on weekdays. UOB ONE cardholders will also save more when making purchases at cash rebates merchant outlets and SMART$ Cash merchant outlets nationwide. It’s not just the cash back, there is also the SMART$ rebates to enjoy more savings.

Requirements:

  • Minimum monthly income of RM2,000 (RM24,000 per annum)
  • Annual fee: RM72.08 for principal cardholders and  for supplementary card holders

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RHB Islamic Smart Value Credit Card-i

rhbsmartvalueislamicvisa Get up to 5% cashback cta-apply-now

This is an ideal card if you are looking for a credit card to give you savings when paying bills that is also Shariah compliant. The RHB Islamic Smart Value Credit Card-i offers 5% cashback on 4 categories, one of which is for utility bill payments. On top of being able to save money when you pay your bills, you get cashback on groceries, petrol and when shopping online.

Monthly total spend

Cashback rate

Maximum Cap

RM500 – 1,500

1%

RM15

RM 1,501 – 2,500

2%

RM15

RM2,501 and above

5%

RM15

Utility bills that are eligible for cashback are Tenaga Nasional Berhad, Astro, Celcom, Maxis and all other utility billers.

Requirements:

  • Minimum monthly income of RM2,000 (RM24,000 per annum)
  • Annual fee: RM74.20 for principal cardholders and  for supplementary card holders

Alliance Bank Gold Visa

alliancebankgoldvisa Earn 2X Timeless Bonus Points for Overseas & Utility spend cta-apply-now

If you’re not after cashback, this is a card that rewards you when you charge your bills to it. You will be collecting points which you can redeem for items, vouchers and even airmiles. The best part is that the points do not expire! You receive 2x TBP (timeless bonus points) for every RM1 spent on utility.

  • 2x TBP for every RM1 spent on utility
  • 1x TBP for every RM1 spent on all other domestic retail

Requirements:

  • Minimum monthly income of RM2,000 (RM24,000 per annum)
  • Annual fee: RM156.88 for principal cardholders and RM31.80 for supplementary card holders. Fee will be waived every year with minimum spend of RM5,000 or 12 swipes within a year.

See also:  Save Money With These Low Interest Rate Credit Cards

 

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Fara Joifin

About Fara Joifin

Fara was a Senior Content Writer at CompareHero.my. She has moved on to greater things but her words live on here.