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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 13 Credit Cards for you!
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渣打銀行 logo
MoneySmart Exclusive
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%
Applying via MoneySmart get exclusive HK$350 Supermarket Vouchers!!
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$240,000
Rewards on local spend
2%
Maximum rewards on bill payment
1%
Successful application through MoneySmart get HK$1,300 Apple Gift Card!
Valid until 31 Oct 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
High cash rebates for designated categories

Citi Rewards MasterCard

Min. Annual Salary
HK$150,000
Rewards on local spend
3.2%
Maximum rewards on bill payment
HK$3 = 1 mile
Successful application through MoneySmart get HK$1,300 Apple Gift Card!
Valid until 31 Oct 2020 - See T&Cs below
Apply Now
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HSB 恒生銀行 logo
Bank Promo
Get 5% cash dollars rebate on designated spending

Hang Seng MPOWER CARD

Min. Annual Salary
HK$150,000
Rewards on local spend
5%
Maximum rewards on bill payment
0.4%
Bank Promo:
【Spending Wow Reward】 Enjoy up to $2,800 Cash Dollars!
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$240,000
Rewards on local spend
HK$8 = 1 mile
Maximum rewards on bill payment
HK$8 = 1 mile
Successful application through MoneySmart get HK$1,300 Apple Gift Card!
Valid until 31 Oct 2020 - See T&Cs below
Apply Now
More Details
渣打銀行 logo
MoneySmart Exclusive
As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary
HK$96,000
Rewards on local spend
HK$4 = 1 mile
Maximum rewards on bill payment
HK$4 = 1 mile
After applying via MoneySmart, get exclusive HK$300 Supermarket Vouchers
Valid until 30 Nov 2020 - See T&Cs below
Apply Now
More Details
Citibank 花旗銀行 logo
MoneySmart Exclusive
Complimentary 4th night free at any hotel

Citi Prestige Card

Min. Annual Salary
HK$600,000
Rewards on local spend
HK$6 = 1 mile
Maximum rewards on bill payment
HK$6 = 1 mile
Successful application through MoneySmart get HK$1,300 Apple Gift Card!
Valid until 31 Oct 2020 - See T&Cs below
Apply Now
More Details
大新銀行 logo
Welcome Offer
As low as HK$1=1 Avios for welcome offer

Dah Sing British Airways Platinum Card

Min. Annual Salary
HK$150,000
Rewards on local spend
HK$6 = 1 Avios
Maximum rewards on bill payment
HK$6 = 1 Avios
Welcome Offer:
up to 100,000 Avios/ Supplementary Card 1,000 Avios Offer
Valid until 31 Dec 2020 - See T&Cs below
Apply Now
More Details
Citibank 花旗銀行 logo
MoneySmart Exclusive
Up to 15% bus fare rebate

Citi Octopus Platinum Card

Min. Annual Salary
HK$150,000
Rewards on local spend
0.5%
Maximum rewards on bill payment
0.5%
Successful application through MoneySmart get HK$1,300 Apple Gift Card!
Valid until 31 Oct 2020 - See T&Cs below
Apply Now
More Details
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
Read More
More Details
大新銀行 logo
Get 20% discount at lookfantastic

Dah Sing ONE+ Credit Card

Min. Annual Salary
HK$150,000
Rewards on local spend
1%
Maximum rewards on bill payment
1%
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%
Read More
More Details
BEA 東亞銀行 logo

BEA Flyer 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
Read More
More Details

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. 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.