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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 11 Credit Cards for you!
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Standard Chartered Smart Card
MoneySmart Exclusive
5% rebate｜Waive foreign exchange fee
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Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
HK$2,268

【MoneySmart Exclusive: Make your selection of variety of brands!】From now until 31 July 2024, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (retail price $2,168) or HK$800 e-Voucher (including Apple Store / 7-11 / HKTVmall / WeChat Pay HK / Deliveroo / Pacific Coffee or Zalora) or HK$800 PARKnSHOP supermarket voucher.

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 Jul 2024 - See more details below
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DBS Black World Mastercard
MoneySmart Exclusive
Redeem various mileage points without any fee
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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

【🆙 Elevated Reward! Earn up to HK$1,699 Rewards🔊】
From now until 31 July 2024, customers who successfully apply for DBS Blackworld Mastercard via MoneySmart, can enjoy Jollying Pebble Foldable Slim Suitcase 20" (Retail value: HK$899) / JBL Link 20 Voice-activated portable speaker (Retail value: HK$1,699) / HK$500 Apple Store Gift Card / HK$500 PARKnSHOP Supermarket Voucher! You can also earn the bank welcome offer of up to 42,000 miles at the same time!
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【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 Jul 2024 - See more details below
Apply Now
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Dah Sing ONE+ Credit Card
MoneySmart Exclusive
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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 July 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 Jul 2024 - See more details below
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DBS COMPASS VISA
MoneySmart Exclusive
Up to 10% rebate on local supermarkets

DBS COMPASS VISA

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 July 2024, customers who apply for DBS Compass Visa through MoneySmart successfully, can get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 31 Jul 2024 - See more details below
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Dah Sing British Airways Platinum Card
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

【MoneySmart Exclusive】From now until 31 July 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 Jul 2024 - See more details below
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Citi Rewards MasterCard
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

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
【MoneySmart Exclusive！】From now until 31 July, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 31 Jul 2024 - See more details below
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Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate

Citi Cash Back Card

Minimum Income Requirements
HK$120,000
Rewards on local spend
2%
Maximum rewards on bill payment
1%
【MoneySmart Exclusive！】From now until 31 July, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 31 Jul 2024 - See more details below
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Citi Octopus Platinum Card
MoneySmart Exclusive
Up to 15% transport fare rebate

Citi Octopus Platinum Card

Minimum Income Requirements
HK$120,000
Rewards on local spend
0.5%
Maximum rewards on bill payment
0.5%
【MoneySmart Exclusive！】From now until 31 July, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 31 Jul 2024 - See more details below
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Citi Cash Back Card (Student)
Earn cashback from digital wallets

Citi Cash Back Card (Student)

N/A
N/A
N/A
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Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Rewards on local spend
HK$8 = 1 mile
Maximum rewards on bill payment
HK$8 = 1 mile
【MoneySmart Exclusive！】From now until 31 July, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 31 Jul 2024 - See more details below
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AEON CARD WAKUWAKU
MoneySmart Exclusive

AEON CARD WAKUWAKU

【Limited Time Offer】From now until 31 July 2024, apply for the AEON CARD WAKUWAKU through MoneySmart, you can exclusively enjoy extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Alternatively, you can convert them into HK$200 cash and cash out directly! Click here to explore limitless possibilities (T&C applied)!

New AEON Customers successfully applied AEON CARD WAKUWAKU through “AEON HK” Mobile App and input the welcome offer code “MSWAKU” to enjoy an extra HK$200 cash rebate (Offer by AEON) and up to 16% cash rebate + HK$400 cash rebate! Enjoy a year-round 6% cash rebate on online spending! Earn 3% cash rebate on purchases in Japan and enjoy waived transaction fees on foreign currency transactions (except charges imposed by Cards Associations)!

【Referral Bliss: Treats for You and Your Loved Ones - Earn Extra HK$100 for Every Referral! 】
Unlock extra rewards by referring your friends and family to our fantastic credit card deals! Not only will they enjoy the good deals, but you'll also be rewarded with a referral bonus of 1,000 SmartPoints for each successful application! No cap on the maximum reward amount!

Valid until 31 Jul 2024 - See more details below
Apply Now
More Details

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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.