How to Get Credit Card Rewards For Paying Your Mortgages, Insurance Premiums, Bills & More (2024)

Citi PayAll is another strong contender for bill payments. For a small fee, you can earn miles, cashback or reward points on payments made via Citi PayAll using Citi credit cards.

Here are the bill types eligible for CityPayAll:

Citi PayAll Categories

• Tax (Income Tax, Property Tax, Other Tax Types and Composition Fees to IRAS)
• Insurance premium payments
• Rent and Rental Deposits
• School fees, Enrichment fees, Tuition fees, Course Fees
• Renovations
• Wedding Expenses
• Utilities
• Storage
• Donation
• Charity Payment
• Parking and Transport Fee
• Maintenance Fees
• Domestic Helper Service Fee
• Condominium Management Fee
• Electricity Bill.

However, do note that Citi PayAll excludes any:

Any loan/debt repayments such as but not limited to mortgage repayments, credit card payments and loans.

Any cryptocurrency related transactions, gambling and casino-related transactions or such other transactions that we may determine at our discretion.

The administrative fee for Citi PayAll used to be about 2.00% of the transaction amount. But now, this fee is a variable amount determined dynamically for each customer.

You will only see the fee after keying in the transaction amount and recipient details.

Citi PayAll Promo

There are currently no Citi PayAll Promos.

Citi PayAll Cards

Eligible Citibank cards include:

• Citi Rewards Card
• Citi Lazada Card
• Citi Cash Back Card
• Citi Cash Back+ Card
• Citi PremierMiles Card
• Citi Prestige Card
• Citi ULTIMA Card (by invitation only).

Do note that all Citi PayAll transactions are excluded from the minimum spend of $800 for the Citi Cash Back Card bonus cashback.

However, CitiPayAll is limited to Citibank cards, and the exclusion of mortgage repayments, credit card payments, and loans does not help either.

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ipaymy Review

Next up, we have ipaymy.

The company allows you to pay the following bills:

• Rent
• Rent Deposit
• Condo Fees (MCST)
• Tuition/School Fees
• Childcare Fees
• Insurance
• Income Tax*
• Property Tax*
• Corporate Tax*
• Goods and Service Tax (GST)*
• Mortgage
• Stamp Duty
• Car Loans
• Parking
• Utilities
• Renovations Expenses
• Various other supplier invoices
• Payroll
• Director’s Fees
• Invoices for goods or services rendered^

*Tax payment service is currently available to Singapore and Australia users with a Visa or Mastercard. ipaymy is actively working to extend this functionality to all regions.

^Do note that types of payments not accepted in this category include:

• Sending money to yourself or for any purpose of cash advance to your personal or any associated business accounts.

• Sending money to individuals (peer-to-peer payment)

• For gambling and related activities

• Payment towards a brokerage or investment account.

There’s also support for split payments, where you can spread your payments across multiple credit cards to optimise your credit card rewards and manage your credit limits.

Ipaymy can be used to pay expenses domestically and abroad. Similarly, you can use ipaymy to transfer money when you are overseas.

ipaymy Pricing

In terms of pricing, ipaymy charges administrative fees based on region, card type and scheduling period as follows:

ipaymy Cryptocurrency Fee

In addition, ipaymy accepts the following cryptocurrency coins and charges a fee of 0.95% for Crypotcurrency payments:

ipaymy Promotion

The company is running several promotions now.

ipaymy Cards

According to ipaymy, the following cards should be eligible for rewards (cashback/miles/rewards points) when making payments on ipaymy.

But you should always check your card’s terms and conditions before making any payments using ipaymy.

ipaymy Eligible Miles Cards

• AMEX Singapore Airlines KrisFlyer Credit Card

• AMEX Singapore Airlines KrisFlyer Ascend Credit Card

• AMEX Singapore Airlines KrisFlyer Gold Credit Card

• AMEX Singapore Airlines PPS Club Credit Card

• AMEX Singapore Airlines Solitaire PPS Credit Card

• Bank of China Elite Miles World Mastercard

• Citi PremierMiles Mastercard

• Citi PremierMiles Visa Card

• Citi Prestige Card

• Citi ULTIMA Card

• DBS Altitude Visa Signature Card

• DBS Altitude AMEX Card

• DBS Insignia Visa Infinite Card

• DBS Treasures Black Elite AMEX Card

• DBS Vantage Card

• Standard Chartered Priority Banking Visa Infinite Credit Card

• Standard Chartered Visa Infinite Credit Card

• Standard Chartered Visa Infinite X Metal Credit Card

• OCBC 90ºN Card

• OCBC Voyage

• KrisFlyer UOB Credit Card

• UOB PRVI Miles World Mastercard

• UOB PRVI Miles Visa Card

• UOB Reserve Card

• UOB Visa Infinite Metal Card.

ipaymy Eligible Cashback Cards

• AMEX True Cashback Card

• Bank of China Family Card

• DBS Black AMEX Card

• DBS Takashimaya AMEX Card

• Maybank Platinum Visa Card

• FRANK Credit Card

• OCBC 365 Credit Card

• Standard Chartered MANHATTAN Platinum/World Mastercard

• Standard Chartered Spree Credit Card

• Standard Chartered Unlimited Cashback Credit Card.

ipaymy Eligible Membership Cards

• AMEX Platinum
• AMEX Platinum Credit Card
• AMEX Platinum Reserve Credit Card
• AMEX Rewards Card
• AMEX Gold Card
• AMEX Personal Card
• The Centurion Card.

However, the following cards are NOT eligible to earn any rewards (cashback/miles/rewards points) when making payments on ipaymy.

Non-Eligible Miles Cards

• Citi Rewards Card
• DBS Woman’s Card
• DBS Woman’s World Card
• HSBC Revolution Credit Card
• HSBC Visa Infinite Credit Card
• OCBC Titanium Rewards Card
• UOB Preferred Platinum Visa Card.

Non-Eligible Cashback Cards

• CIMB Visa Signature
• DBS Live Fresh Card
• HSBC Advance Credit Card
• HSBC Visa Platinum Credit Card
• UOB EVOL.

This is one limitation of ipaymy you should be aware of.

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RentHero Review

Next up, we have RentHero.

Like the name suggests, you can use RentHero to pay rent and be rewarded with credit card miles.

RentHero Pricing + RentHero Promo

RentHero charges a flat administrative fee of 1.75% of the transaction amount for using RentHero.

There are also no promos available at the moment.

RentHero Categories

Currently, you can only use RentHero to pay your rent.

RentHero Cards

Currently, you can only use the DBS Altitude Visa Signature with RentHero.

At the moment, RentHero’s utility is quite limited as you can only pay rent and use one credit card with RentHero.

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Standard Chartered SC EasyBill Review

Similar to Citi PayAll, SC EasyBill is Standard Chartered’s take on the service that allows customers to pay bills to their credit cards and earn points after paying an administrative fee.

Besides insurance premiums, this includes payment for paying taxes, education, and monthly rentals.

SC Easy Bill Categories

Standard Chartered clients can earn 360° Rewards Points, cashback (based on the card used) or Bonus Interest (e.g. Bonus$aver credit cards) when they make eligible payments on:

• Mortgage payments
• Income tax
• Property tax
• Stamp duty, GST, corporate tax
• Rental payments or deposits
• Condominium maintenance fee
• School or tuition fees
• Insurance premium payments
• Car loans
• Electricity bills
• Miscellaneous expenses.

But, you will need to pay an administrative fee of up to 1.90% to use SC EasyBill, of course, with the bank being known to offer different rates for different customers.

Standard Chartered has stated that:

The SC EasyBill fee is not a fixed amount and will vary according to the SC EasyBill facility chosen on the Online Application.
During the application of SC EasyBill, the fee will be reflected once the type of eligible payment (IRAS, Rental, Education or Insurance) is selected and prior to submitting the online application.

You will only be able to see the fee before submitting the online application for SC EasyBill once the type of eligible payment (IRAS, Rental, Education or Insurance) is selected.

SC EasyBill Cards

All principal and supplementary Standard Chartered cardholders can apply for SC EasyBill.

Here are some Standard Chartered cards you can consider:

However, note that you cannot make recurring payments with SC EasyBill and must use Standard Chartered cards.

This will be troublesome if you want to make recurring payments like your mortgage, insurance premiums, etc.

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UOB Payment Facility Review

Last but not least, we have the UOB Payment Facility.

UOB Payment Facility Pricing + UOB Payment Facility Promo

The UOB Payment Facility charges an administrative fee of 1.90% – 2.30% of the transaction amount.

There are also no promos available at the moment.

UOB Payment Facilities Categories

Regarding the types of payments available, you can pay everyday expenses like your monthly bills, rent or tax or even big one-off purchases using the UOB Payment Facility.

Once the bank has approved your transaction, you will receive a one-time administration fee, and the approved amount will be transferred to your designated bank account.

Every dollar approved will earn you UNI$2.5 for every S$5 approved (equivalent to one air mile for every dollar) or 5 KrisFlyer miles for every S$5 approved (applicable to KrisFlyer UOB Credit Card only).

You can check this payment via your UOB Credit Card statement.

UOB Payment Facility Cards

The UOB Payment Facility is available for the individual principal cardmembers holding these cards:

• UOB Reserve Card
• UOB Visa Infinite Metal Card
• UOB Visa Infinite Card
• UOB Privilege Banking Card
• UOB PRVI Miles Card (AMEX, Mastercard or Visa)
• KrisFlyer UOB Credit Card.

One downside of the UOB Payment Facility is that it only supports UOB cards. Also, the cards supported have high eligibility requirements.

For example, the UOB Reserve Card is invite-only, and to be eligible for this card, you must meet one of the following criteria:

• Maintain at all times a minimum required monthly cash deposit and/or investment balance of $2,000,000 (or its equivalent in a foreign currency)
• An annual income of at least $500,000
• Spend over $200,000 with personal credit cards over the past 12 months
• A private relationship with UOB or any other private bank
• A high business or social profile.

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