Bank / Credit card | OEM retailers: One-time rebate (24-month) | Monthly rebate | 24-month fixed rate |
OCBC 365 | Senoko Energy: NA Sembcorp Power: NA Sunseap: Enter promo code OCBCECO80 to enjoy S$80 bill rebate when you sign up. Promotion is only valid for OCBC Eco-Care Loan customers |
Senoko Energy: 3% cashback Sembcorp Power: 3% cashback Geneco: 3% cashback |
Senoko Energy: 19.08¢/kWh Sembcorp Power: 18.83¢/kWh Geneco: 19.58¢/kWh Sunseap: 18.91¢/kWh |
OCBC 365 Credit Card offers 3% cashback on your recurring telco and electricity bills every month when you make a minimum monthly spend of S$800 on your card. As an all-round cashback credit card, OCBC 365 also lets you earn 6% cashback on dining, 3% on groceries, 3% on private hire rides and taxi rides, 5% on fuel spend, 3% on online travel bookings and 0.3% on all other expenses. Keep in mind that there’s a cashback cap of S$80 per calendar month.
#4 Maybank Family & Friends Card

Bank / Credit card | OEM retailers: One-time rebate (24-month) | Monthly rebate | 24-month fixed rate |
Maybank Family & Friends Card | Senoko Energy: Enter promo code PLAYMB140 to enjoy S$140 bill rebate when you sign up and set up recurring bill payment with this card Diamond Electric: S$10 bill rebate + 20% off regulated tariff + free emergency home assistance services when you sign up for 12-month Maybank Saver Plan and set up recurring bill payment with a Maybank card |
NA | Senoko Energy: 19.08¢/kWh Diamond Electric: NA |
Maybank Family & Friends Card lets you enjoy 8% cashback year-round on your five preferred categories from the following list: groceries, dining and food delivery, transport, data communication & online TV streaming, retail and pets, online fashion, entertainment, or pharmacy and wellness. This will apply if you meet the minimum monthly spend requirement of S$800.
For all other purchases or if your monthly spend ranges from S$0 to S$799, enjoy unlimited 0.3% cash rebates. Keep in mind that this credit card comes with a monthly cash rebate cap of S$125 per calendar month, split into S$25 per category!
#5 Citibank credit cards
Bank / Credit card | OEM retailers: One-time rebate (24-month) | Monthly rebate | 24-month fixed rate |
Citibank credit cards | Senoko Energy: Enter promo code PLAYCITI155 to enjoy S$155 bill rebate when you sign up and set up recurring bill payment with a Citibank card Geneco: Enter promo code GENECO80 to enjoy up to S$115 bill rebate when you sign up and set up recurring bill payment with a Citibank card Sembcorp Power: Enter promo code CITISAVER120 to enjoy up to S$110 bill rebate + S$10 NTUC voucher when you sign up and set up recurring bill payment with a Citibank card |
NA | Senoko Energy: 19.08¢/kWh Geneco: 19.58¢/kWh Sembcorp Power: 18.83¢/kWh |
Citibank credit cards are some of the most rewarding ones available on the market. Regardless of whether you are looking to earn cashback, miles or rewards points, Citibank has it. Plus, the Citi Mobile app offers a stellar user experience to boot — read our digibank app article.
Not sure where to begin? Take a closer look at Citi Cash Back+ if you want a fuss-free cashback credit card that earns you unlimited 1.6% cashback with no effort, no minimum spend.
Adore shopping a tad too much? Check out Citi Rewards as it offers 10X Rewards (4 mpd) on various categories up to a monthly cap of S$1,000 for these transactions.
For an all-round family-friendly cashback credit card, definitely consider Citi Cash Back. This credit card lets you earn 8% cashback on groceries and petrol, as well as 6% on dining if you meet the minimum spend of S$800 per statement month. It has an S$80 cashback cap per statement month.
#6 HSBC credit cards
Bank / Credit card | OEM retailers: One-time rebate (24-month) | Monthly rebate | 24-month fixed rate |
HSBC Credit Cards | Senoko Energy: Enter promo code PLAYHSBC150 to enjoy S$150 bill rebate when you sign up and set up recurring bill payment with an HSBC card Sembcorp Power: Enter promo code HSBC115 to enjoy up to S$115 when you sign up and set up recurring bill payment with an HSBC card Geneco: Enter promo code GENECO80 to enjoy up to S$115 bill rebate when you sign up and set up recurring bill payment with an HSBC card |
NA | Senoko Energy: 19.08¢/kWh Sembcorp Power: 18.83¢/kWh Geneco: 19.58¢/kWh |
HSBC credit cards are worth looking into if you appreciate extra perks and benefits, like no annual fee, ENTERTAINER with HSBC deals and e-commerce purchase protection. Looking for a flexible rewards credit card? Look no further than HSBC Revolution Credit Card. It offers 10X rewards points (4 mpd) on online purchases, online travel bookings, food deliveries and contactless payments —no minimum spend required.
Want a family-oriented cashback card? Shoot for HSBC Visa Platinum Credit Card as it offers 5% cashback on local dining (all F&B outlets except hotel dining), groceries (including online groceries), and fuel, in addition to exclusive offers for yourself and your kids. If you pump petrol at Caltex and Shell stations, you can look forward to an extra instant 17% discount! The relatively low minimum monthly spend of S$600 per month required for all three months in a quarter is refreshing, too, as other competing cards tend to set higher minimum spend criteria for their cardmembers.
If you are an HSBC Everyday Global Account holder and you typically spend a lot on your credit card monthly, consider HSBC Advance Credit Card. This cashback credit card lets you earn up to 2.5% base cashback on all your purchases, plus an additional 1% bonus cashback if you meet the HSBC Everyday Global Account monthly criteria. While you can earn cashback on recurring bill payments, keep in mind that utility bills are excluded!
*All Senoko Energy promotions are valid till 31 May 2021. T&Cs apply.
What else does Senoko Energy have to offer?
Fret not if you don’t hold credit cards from the above-mentioned banks. You can still enjoy a S$120 bill rebate when you use the promo code PLAY120 on any 24-month plan, or a S$20 bill rebate when you use the promo code PLAY20 on any 12-month plan. This promotion is valid till 31 May 2021, too.
Don’t miss the lucky draw
There’s also a lucky draw for five winners to walk away with a Nintendo Switch Gen 2 Console. Simply switch or renew by 31 May 2021 and opt in to join the lucky draw.
Sweeten the deal with referral rebates, offers and vouchers
Senoko Energy’s customers can enjoy a S$30 bill rebate for themselves as well as an extra S$30 rebate for their friend when they switch to Senoko Energy (applicable for all price plans). If you have a referral code from a loved one or friend, enter it to earn the S$30 referral rebate!
Aside from rebates, the OEM retailer’s Smart Rewards programme offers customers a suite of exclusive retail and lifestyle offers all year round. Additionally, customers can look forward to snapping up S$5,000 worth of GrabFood, Lazada or Redmart e-vouchers monthly via the ‘Smart Rewards’ tab on their Senoko Energy app on a first come first served basis — limited quantity available.
Supercharge your bill rebates by stacking offers
- Promo Codes
- Referral Code
- Smart Rewards Monthly Giveaway e-vouchers
This article is written in partnership with Senoko Energy Singapore.
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Open Electricity Market (OEM) Singapore: Complete Guide
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Best SIM-Only Mobile Plans For Light, Moderate, And Heavy Data Users
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