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Pay Bills by Credit Card in Singapore 2026: CardUp, Citi PayAll & SC EasyBill

Bills like income tax, rent, insurance and school fees usually can't be paid by card. Three services in Singapore let you do it anyway — CardUp, Citi PayAll and SC EasyBill — by charging your credit card and paying the biller for you, for a percentage admin fee. You earn your card's miles or cashback; the only question is whether that reward is worth more than the fee.

Is it worth it?

The maths is simple: a payment is worth making by card when your card's reward value per dollar beats the channel's fee. For a miles card, value per dollar = miles per dollar × what a mile is worth to you (Perqa defaults to 1.5¢). So a 1.4 mpd card is worth ~2.1¢/$ — comfortably ahead of a 1.73% income-tax fee (you net ~0.37¢/$, or about S$37 of miles value per S$10,000 of tax). A 1.2 mpd card at the same fee roughly breaks even, and a plain cashback card almost never clears the fee. Perqa runs this calculation for every card you own.

CardUp

from 1.73% fee

Most Visa / Mastercard cards (some exclusions)

CardUp lets you charge bills that don't normally take cards — income tax, rent, insurance, school fees — to your credit card for an admin fee. You earn the card's miles or cashback; whether it's worth it depends on whether your reward rate beats the fee.

Fees

  • Income tax · until 12 Jun 20261.73%
  • Rent · until 12 Jun 20261.83%
  • Other bills · until 12 Jun 20262.35%
  • Standard (no promo) · until 12 Jun 20262.6%
  • Standard (no promo)2.9%
  • Income tax2.35%
  • Rent2.3%
  • Other bills2.45%

How it works

Schedule a payment in CardUp and pay the biller from your credit card for a percentage admin fee (lower with a promo code). For a miles card, the play works when miles-value-per-dollar exceeds the fee — e.g. a 1.4 mpd card at 1.5¢/mile earns 2.1¢/$ against a ~1.75% income-tax fee.

  • •Standard fee rises 2.6%→2.9% on 13 Jun 2026 (one-off + recurring); scheduled payments charged on/after that date pay the new rate.
  • •Fees are promo-code driven and change seasonally — check the current code before paying.
  • •DBS/UOB cards on the American Express network stopped earning via CardUp in Mar 2026 — use their Visa/Mastercard variant.
  • •Worth it only when your card's reward value per dollar beats the admin fee.
About CardUp →

Citi PayAll

from 1.9% fee

Citibank cards only

Citi PayAll lets Citibank cardholders charge rent, tax, insurance and school fees to their Citi credit card for an admin fee, earning ThankYou Points or miles. The 2026 promo rebates part of the fee for tax and non-tax payments.

Fees

  • Income tax · until 31 Jul 20261.9%
  • Other bills · until 31 Jul 20262.4%
  • Standard (no promo)2.6%

How it works

Set up a payment in the Citi Mobile app. The standard fee is 2.6%; the 2026 promo (17 Apr–31 Jul 2026) rebates 0.7% on tax and 0.2% on other bills, for effective fees of 1.9% and 2.4%.

  • •Citi credit cards only.
  • •Promo fees are net of a cash rebate credited by 9 Oct 2026.
  • •Limits: insurance S$200k/month; other categories S$30k each.
About Citi PayAll →

SC EasyBill

from 1.9% fee

Standard Chartered cards only

SC EasyBill lets Standard Chartered cardholders charge tax, rent, insurance and education to their StanChart card for a flat 1.9% fee, earning 360° Rewards Points, cashback, or bonus interest depending on the card.

Fees

  • Standard (no promo)1.9%

How it works

Apply for an EasyBill payment in the SC Mobile app. A flat 1.9% admin fee applies. Best value on high-earn StanChart cards (e.g. Beyond, Visa Infinite) where the reward value clears the fee.

  • •Standard Chartered credit cards only.
  • •Rent capped at S$10k per payment.
  • •One payment per category (rent / education / insurance / tax) per calendar month (Dec 2025 cap).
About SC EasyBill →

Perqa does the maths for you

Search a bill type — income tax, rent, insurance, school fees — and Perqa picks the best card and channel from your wallet, and tells you whether it’s worth it.

Try Perqa — free

Frequently asked

It depends on your card. CardUp's 2026 income-tax fee is about 1.73%, and Citi PayAll's is an effective 1.9% after rebate. A miles card earning 1.4 mpd is worth roughly 2.1¢ per dollar (at 1.5¢/mile), so it clears a 1.73% fee and you come out ahead — useful for hitting a sign-up-bonus minimum spend too. A 1.2 mpd card barely breaks even, and a cashback card earning 1–2% usually loses to the fee. Always check your card's actual rate against the current fee before scheduling.

DBS and UOB cards on the American Express network stopped earning via CardUp in March 2026 — use their Visa or Mastercard variant instead. Citi PayAll only works with Citibank credit cards, and SC EasyBill only with Standard Chartered cards. Most other Visa/Mastercard cards earn their normal rate on the charge.

Fees are per-category and often promo-driven, so they change through the year. As of mid-2026: CardUp is ~1.73% for income tax (to ~30 June 2026), 1.83% for rent and 2.35% for other bills; Citi PayAll is an effective 1.9% for tax and 2.4% for other bills (promo to 31 July 2026, net of a cash rebate); SC EasyBill is a flat 1.9%. When a promo lapses the standard ~2.6% fee applies, so re-check the current rate before paying.

Yes. Search a bill type — "income tax", "rent", "insurance", "school fees" — on the Perqa home screen and it shows the best card-and-channel combination from your wallet, whether it's worth it, and how much you'd earn or lose. It also flags the cheapest channel for cards you don't yet own.

Looking to stack rewards another way? See rewards stacking with Amaze, Atome, Kris+ & ShopBack.