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
We found 12 Credit Cards for you!
Standard Chartered logo
MoneySmart Exclusive
5% rebate|Waive foreign exchange fee
Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$2,788

【SC Smart Card Offer: Total rewards amount is as high as HK$4,288!】 New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get extra HK$1,200 Apple Store Gift Card or HK$1,200 PARKnSHOP supermarket voucher or PHILIPS RO Water Dispenser ADD6910/90(value: HK$2,788)!

Valid until 18 Mar 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Redeem various mileage points without any fee
Min. Annual Salary
HK$240,000
Rewards on local spend
HK$6 = 1 mile
Maximum rewards on bill payment
HK$6 = 1 mile

Quick! Apply Today for Exclusive HomePod mini!From now until 31 March 2024, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy a HomePod mini (retail price: HK$749) or HK$500 Apple Store Gift Card/ Klook Voucher/ PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!

Valid until 31 Mar 2024 - See more details below
Apply Now
Dah Sing Bank logo
MoneySmart Exclusive
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 March 2024,  New Dah Sing Credit Cardholder to get extra HK$150 PARKnSHOP supermarket vouchers or HKTVmall e-Voucher upon approval on the credit card! Total up to HK$650 rewards including Dah Sing Bank welcome offer. 



Each Eligible Cardholder is entitled to HK$500 cash rebate upon accumulating Eligible Spending of HKD5,000 or above, and making at least 5 Eligible Spending transactions, within the first 2 months from the date of the Bank's issuance of the Eligible Card.

Valid until 31 Mar 2024 - See more details below
Apply Now
DBS logo
MoneySmart Exclusive
Up to 10% rebate on local supermarkets
Min. Annual Salary
HK$100,000
Cash back on designated local spend
1%
Miles Conversion (local spend)
HK$10 = 1 Mile

From now until 31 March 2024, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Voucher or HK$200 ParknShop Voucher! 

Valid until 31 Mar 2024 - See more details below
Apply Now
Dah Sing Bank logo
MoneySmart Exclusive
As low as HK$0.5=1 Avios for welcome offer
Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
HK$6 = 1 Avios
Miles Conversion (oversea spend)
$6 = 1.5 Avios

【MoneySmart Exclusive】From now until 31 March 2024, New Dah Sing Credit Cardholders are entitled to get an extra HK$100 PARKnSHOP supermarket voucher/ HKTVmall e-Voucher upon approval on the designated credit card (Dah Sing British Airways Platinum Card/ Dah Sing ANA World Mastercard. Dah Sing United MileagePlus World MasterCard)!

Valid until 31 Mar 2024 - See more details below
Apply Now
Citibank logo
Earn 3X points for QuickPass Transactions
Minimum Income Requirements
HK$120,000
QuickPass Transactions
3X Points
Miles Conversion (local spend)
$5 = 1 Mile
Read More
Standard Chartered logo
Unlimited cashback
Min. Annual Salary
HK$96,000
Rewards on local spend
1.5%
Maximum rewards on bill payment
1.5%
Read More
Citibank logo
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Maximum rewards on bill payment
HK$3 = 1 mile
Read More
Citibank logo
2% foreign currency rebate
Minimum Income Requirements
HK$120,000
Rewards on local spend
2%
Maximum rewards on bill payment
1%
Read More
Citibank logo
Up to 15% transport fare rebate
Minimum Income Requirements
HK$120,000
Rewards on local spend
0.5%
Maximum rewards on bill payment
0.5%
Read More
Citibank logo
Earn cashback from digital wallets
N/A
N/A
N/A
Read More
Citibank logo
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Rewards on local spend
HK$8 = 1 mile
Maximum rewards on bill payment
HK$8 = 1 mile
Read More

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.