other MCC 4814, 4899 By Spiddy Ng

Best credit card for Singtel bills Singapore

Telecom bill payment. MCC 4814 / bill-pay paths are excluded on many bank rewards programmes. SINGTEL DASH* descriptors also appear on DBS exclusion lists. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.

Check before you swipe: High exclusion risk — many cards earn nothing here; Often excluded (MCC 4814 / bill payment); Check bank exclusion list before relying on this.

Estimates only. We never invent rates — figures come from cards.json (dataset 2026-10-22). Affiliate links use rel="sponsored". See Disclosure and Methodology.

Named / MCC boosts we apply

No named merchant bonus in our verified set — category / base rates only.

Modelling assumptions

S$300 Singtel bill. Most cards modelled as excluded or 0% earn with an explicit callout; residual earners (if any) use base/other rates only when exclusions do not list telecom/bill-pay.

Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.

Ranked cards for Singtel bills

Card	Modelled rate	On S$300	Caps	Caveats & sources	Links
#1 AXKrisFlyerAmex American Express Singapore Airlines KrisFlyer Credit Card Partial data miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Amex exclusion list not fully in dataset (see go.amex/sgexclusions). Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#2 CITIPremierMilesVisa Citi PremierMiles Card Partial data miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-24	Card Apply
#3 CITIRewardsVisa Citi Rewards Card Partial data miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#4 DBSAltitudeVisa DBS Altitude Card Partial data miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply
#5 DBSChromoVisa DBS Chromo Card Partial data cashback Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#6 HSBCRevolutionVisa HSBC Revolution Credit Card Verified miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#7 OCBC365Visa OCBC 365 Credit Card Partial data cashback Excluded / check	0.25% only if eligible (exclusions incomplete)	S$0.00 est. cashback S$ (not ranked) ≈ S$0.00 rank value	N/A — treat as check bank	Partial card data — confirm current bank T&Cs. OCBC base exclusion MCC list not in our dataset — Singtel bills are often excluded; 0.25% only if eligible. Do not rely on Singtel bills for rewards without checking OCBC’s current exclusion list. If somehow eligible, rough math would be ~S$0.75 on S$300 at 0.25% — not used for ranking. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#8 SCSimply CashVisa Standard Chartered Simply Cash Credit Card Partial data cashback Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Partial card data — confirm current bank T&Cs. Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#9 SCSmartVisa Standard Chartered Smart Credit Card Verified cashback Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card No Creatory link
#10 UOBLady'sVisa UOB Lady's Card Verified miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#11 UOBOneVisa UOB One Card Verified cashback Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply
#12 UOBPRVI MilesVisa · MC UOB PRVI Miles Card Verified miles Excluded / check	Often excluded / check MCC	0 est. reward ≈ S$0.00 rank value	—	Telecom / bill-payment spend is typically excluded or non-bonus — treat as often excluded. Do not rely on Singtel bills for rewards without checking your issuer’s exclusion list. Source: bank T&Cs · last checked 2026-10-22	Card Apply Apply

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