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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 10 Credit Cards for you!
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Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment
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Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
3%
Miles Conversion (local spend)
As low as $1.8 = 1 Mile

【🎆 New Year Exclusive: Up to HK$3,999 Rewards - only until 9 Jan!】
From now until 9 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Jan 2025 - See more details below
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Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
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Citi Cash Back Card

Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

【🎆 New Year Exclusive: Up to HK$3,999 Rewards - only until 9 Jan!】
From now until 9 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Jan 2025 - See more details below
Apply Now
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Citi Octopus Platinum Card
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%
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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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DBS Black World Mastercard
MoneySmart Exclusive
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

【⚡️Unleash Your Wanderlust: HK$500 vouchers & Awesome Extras Await!】
From now until 31 Jan 2025, customers who successfully apply for DBS Black World Mastercard via MoneySmart, can enjoy 5,000 SmartPoints!
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With 5,000 SmartPoints can fully redeem HK$500 cash vouchers (over 20+ brand vouchers including Apple, PARKnSHOP, Klook etc) or Smasung Galaxy Fit (Value: HK$498) or JBL Clip 4 Ultra-portable Waterproof Speaker (Value:HK$499). If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Click here to explore limitless possibilities at our Rewards Store! Including bank welcome offer, you can enjoy up to HK$500 rewards and up to 30,000 miles!
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【📣 BREAKING: 2025 Rewards Upgrade!】 DBS lowered the spending threshold to HK$20,000 monthly (vs HK$80,000 quarterly in 2024), making it EASIER THAN EVER to earn miles on your overseas spending!

Valid until 31 Jan 2025 - See more details below
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Standard Chartered Smart Card
MoneySmart Exclusive
5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at Klook
Up to 5%
Cash back at Designated Merchants
Up to 5%
MoneySmart Exclusive Offer
HK$2,798

【MoneySmart Exclusive: Rewards up to HK$2,798💰】
From now until 31 January 2025, New Cardholders who successfully apply for Standard Chartered Smart Card now via MoneySmart to get JBL Charge 5 Portable Waterproof Speaker (Value: HK$1,998) or OSIM  uCozy V  V Neck & Shoulder Massager (Value: HK$1,780) or Rollink Flex (VEGA II) Collapsible Carry-On Suitcase (21inch) (Value: HK$1,299) or HK$700 Deliveroo Voucher + 12-month Deliveroo Plus Silver Membership Package (Value: HK$1,426) or HK$800 Apple Store Gift Card or HK$800 PARKnSHOP supermarket vouchers or HK$800 HKTVmall e-Vouchers.

Valid until 31 Jan 2025 - 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 January 2025, customers who successfully apply for DBS Compass Visa via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / PARKnSHOP/ HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 Jan 2025 - See more details below
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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

【🎆 New Year Exclusive: Up to HK$3,999 Rewards - only until 9 Jan!】
From now until 9 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!

Valid until 09 Jan 2025 - See more details below
Apply Now
More Details
AEON CARD WAKUWAKU

AEON CARD WAKUWAKU

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Dah Sing ONE+ Credit Card

Dah Sing ONE+ Credit Card

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