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Utility Bill Payment Credit Cards: Earn Cash Rebates or Air Miles

Compare bill payment credit card now, and get rebates for every payment, whether you are paying in person or by autopay! Read More
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We found 12 Credit Cards for you!
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DBS 星展銀行 logo
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Rewards on local spend
HK$6 = 1 mile
Maximum rewards on bill payment
HK$6 = 1 mile
Apply Now
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DBS 星展銀行 logo
8% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Rewards on local spend
1%
Maximum rewards on bill payment
0.4%
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

MoneySmart Limited Time Offer
HK$500
Rewards on local spend
2%
Maximum rewards on bill payment
1%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

MoneySmart Limited Time Offer
HK$500
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Maximum rewards on bill payment
HK$3 = 1 mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Oct 2023 - See more details below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Up to 15% transport fare rebate

Citi Octopus Platinum Card

MoneySmart Limited Time Offer
HK$300
Rewards on local spend
0.5%
Maximum rewards on bill payment
0.5%

Successfully apply now to get extra HK$ 300 Supermarket Voucher.

Valid until 31 Oct 2022 - See more details below
Apply Now
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BEA 東亞銀行 logo

BEA World Mastercard

Min. Annual Salary
HK$240,000
Rewards on local spend
HK$5 = 1 mile
Maximum rewards on bill payment
HK$8 = 1 mile
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

MoneySmart Limited Time Offer
HK$300
Rewards on local spend
HK$8 = 1 mile
Maximum rewards on bill payment
HK$8 = 1 mile

Successfully apply now to get extra HK$300 Supermarket Voucher!

Valid until 31 Oct 2022 - See more details below
Apply Now
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大新銀行 logo
MoneySmart Exclusive
As low as HK$0.5=1 Avios for welcome offer

Dah Sing British Airways Platinum Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$6 = 1 Avios
Miles Conversion (oversea spend)
$6 = 1.5 Avios

【Welcome offer Exclusive for MoneySmart Users】From now until 31 October 2022, New Dah Sing Credit Cardholder to get extra HK$100 supermarket vouchers/Apple Gift Card upon approval on the credit card!

Valid until 31 Oct 2022 - See more details below
Apply Now
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大新銀行 logo
MoneySmart Exclusive

Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Rewards on local spend
1%
Maximum rewards on bill payment
1%

【Welcome offer Exclusive for MoneySmart Users】From now until 31 October 2022,  New Dah Sing Credit Cardholder to get extra HK$150 supermarket vouchers/Apple Gift Card upon approval on the credit card! Total up to HK$950 rewards including Dah Sing Bank welcome offer. 

Valid until 31 Oct 2022 - See more details below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn 10X points

Citi Rewards UnionPay Card

MoneySmart Limited Time Offer
HK$500
QuickPass, UnionPay QR Code and Online Retail Transactions
10X Points
Miles Conversion (local spend)
$1.5 = 1 Mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Oct 2023 - See more details below
Apply Now
More Details
SCB 渣打銀行 logo
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Rewards on local spend
1.5%
Maximum rewards on bill payment
1.5%
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SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate｜The most popular in MoneySmart

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,139

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,100 Apple Gift Card or HK$1,100 Klook Voucher or American Tourister DARTZ SPINNER 55 (retail price: HK$1,139) ! Total up to HK$2,339 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall!

[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 14 Oct 2022 - See more details below
Apply Now
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Selected Credit Cards for Utility and Phone Bills

Credit Card Rebates Applicable For
DBS Black World MastercardHK$6 = 1 mile Autopay
Citi Cash Back Card1%Autopay
Citi Rewards MastercardHK$3 = 1 mile or 3.2%Autopay and pay in person
Hang Seng MPOWER Card0.4%Online ebanking
Standard Chartered Asia Miles MastercardHK$4 = 1 mile AlipayHK
BEA Flyer World MastercardHK$8 = 1 mile Autopay
Dah Sing ONE+ Credit Card1%Autopay and AlipayHK

Credit Card Autopay List

Service Provider Accepted Autopay Credit Cards Best Credit Card for Autopay
CLPBEA/ Bank of China/ BOC China Union Pay Dual Currency Credit Card/ Dah Sing Bank/ Citibank Credit Cards/ American Express CardBEA Flyer World Mastercard: HK$8 = 1 mile
HK ElectricCOMPASS VISA/ DBS/ Bank of China/ Chiyu Bank/ Nanyang Commercial Bank Credit Cards/ American Express CardDBS Black World Mastercard: HK$6 = 1 mile
TowngasBEA Towngas Card/ Citibank/ BOC Credit Cards/ American Express CardCiti Cash Back Card: 1% cashback
Water Supplies DepartmentDoes not support autopayN.A.

Points to Note When Settling Utility and Phone Bills with Credit Cards

Cardholders can enjoy rebates when settling utility and phone bills with designated credit cards:

Credit Card Rewards Limit

Different credit card providers will have specific terms and conditions. Therefore, it is important to understand the rewards limit, validity of points and whether supplementary cards can also get the same reward points as the primary credit card.

AlipayHK Daily Transfer Limit

The daily transfer limit of AlipayHK is HK$2,000. If your daily limit is exceeded, you might need to consider settling your bills using alternatives such as by online banking or in person.

Changes to Terms and Conditions

To be eligible for rewards, your transaction needs to be qualified. But credit card providers reserve the right to change these terms and conditions anytime without prior notice. Therefore, it is important to keep an eye on your monthly statement to see if you get the rewards you expect. You can also check the relevant terms and conditions upon application.

Water Supplies Department does not accept auto pay

Water Supplies Department does not accept auto pay as the payment option. To earn credit card rewards, you can do so by paying via online banking.

eBanking Payment

So far there are only a few banks offer rewards for online banking payment, including HSBC, Bank of China, Hang Seng Bank, etc.

Bill Payment via AlipayHK

Credit cardholders can pay electricity, gas, water bills and more via AlipayHK, and earn credit card rewards at the same time. Simply settle the payment by clicking on “Bill Payment” and choose your designated merchant correspondingly, you can then pay the bill with a connected Visa or Mastercard.

FAQ

Can I enjoy credit card rewards if I settle my utility and phone bills with an Octopus card in person?

If the credit card you use counts topping up octopus cards as eligible transactions, then you can earn rewards every time you top up your credit cards.

Which credit card is the best for settling property management fees?

There are many property management companies that accept autopay. In this way, you can earn HK$6=1 mile/ 1% rebate with DBS Black World MasterCard or Citi Cash Back Card.

Is paying tuition fees eligible for credit card rebates?

Yes. With designated credit cards, you can earn points for cash rebates, air miles and gifts. Students can pay tuition fees with HSBC Visa Gold Card for Students to earn up to 2.4% RewardCash or Hang Seng Credit Card to earn 0.4% cash rebate.