Best SIM-Only Mobile Plans In Singapore (2025)
Updated: 24 Apr 2026
Written bySingSaver Team
Team
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With Singapore’s 5G network now covering over 99% of the island and data usage skyrocketing due to AI-integrated apps and 8K streaming, choosing the right mobile plan is more critical than ever. The days of counting megabytes are over—today, it’s about finding the best sim card for internet stability and regional roaming perks.
If you’re looking for the cheapest sim only plans or the best sim only mobile plans to fit your lifestyle; and want to know the best credit cards to use for them, we’ve crunched the numbers for May 2026.
Note: SIM-only mobile plans and promotions are subject to change without prior notice.
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What is a SIM-only plan?
A SIM-only plan offers a package of data, talk time, and SMSes at a fixed monthly cost.
SIM-only plans are postpaid plans and function much like traditional mobile phone contracts. The main (and most important) difference, however, is that you are not locked into a minimum contract period, and you are free to switch telcos or mobile plans as and when you wish with no penalty.
Which is the best SIM-only plan?
The best SIM-only plan really depends on how much data you need. Check your previous telco bills or the data tracking app on your handset to see how much data you use on average each month. Also, keep in mind how much talk time and SMS you use monthly before picking the most suitable SIM-only plan for your needs.
Which is the cheapest SIM-only mobile plan?
With the increasing number of players fighting for a share of the market, it was simply a matter of time before prices started coming down. Currently, you can find the cheapest sim only plans starting from under S$10 per month across various providers such as GOMO, VIVIFI, and Zero1. However, many of these low-cost plans are limited to 4G networks or "capped" 5G, so there’s a tradeoff in terms of speed.
In fact, the best deal – in terms of cost and massive data – for entry-level SIM-only plans comes from Zero1.
Zero1 - Starter Prime (4G) (Singtel Network)
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Data: 200GB
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Talktime: 300 mins
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SMS: 100
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Roaming: 100GB Roam Malaysia (365 Days) + 3GB RoamA (Selected APAC)
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Bonus: 5G trial (3 months) FREE
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Extras: Free caller ID, Free incoming calls/SMS
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Monthly Price: S$7.06
What is an MVNO?
Mobile virtual network operators (MVNOs) "rent" bandwidth and access to network services on the infrastructure lines from incumbents Singtel, M1, and StarHub at bulk wholesale rates. They then set retail prices and packages accordingly, balancing download speeds with aggressive data bundles.
As of May 2026, the MVNO landscape has consolidated. Following IMDA's 2026 quality of service standards, several smaller players have exited, while others have significantly upsized their sim card only deals.
MVNOs under Singtel
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GOMO, Heya, CMLINK SG, VIVIFI, Zero1, ZYM Mobile
MVNOs under StarHub
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giga!, MyRepublic (5G), redONE, eight Telecom (Winner of "Telecom Company of the Year 2026")
MVNOs under M1
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Maxx, Circles.Life, MyRepublic (4G), ZΩH
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(Note: Geenet Mobile and Changi Mobile ceased operations in late 2025/early 2026; customers were migrated to M1 Maxx).
Best SIM-Only plan for light data users
In 2026, a "light" user is defined by primary social media use and occasional navigation. Because the cheapest sim only plans now offer massive data bundles as a baseline, even "light" plans are incredibly generous.
| Telco | Plan | Price (Monthly) | Data | Talktime | SMS |
| Zero1 | Starter Prime (4G) | $7.06 | 200GB | 300 mins | 100 |
| Heclon/eight | Double Eight | $8.00 | 388GB | 588 mins | 88 |
| Circles.Life | 4G Lite (Promo) | $7.90 | 290GB | 500 mins | 99 |
| CMLink SG | 200GB 4G Plan | $10.80 | 200GB | 300 mins | 100 |
Why choose these? If you spend most of your time on home or office Wi-Fi, these sim card only deals provide the best "safety net" under the $10 barrier. Note that many in this bracket, like Zero1, still offer free 100GB Malaysia roaming for 365 days for new sign-ups
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Best SIM-only plan for moderate data users
Moderate users are the "Netflix-on-the-MRT" crowd. You likely use your phone for HD streaming or as a frequent hotspot. These are the best sim only mobile plans for the average Singaporean professional.
| Telco | Plan | Price (Monthly) | Data | Talktime | SMS |
| SIMBA | SuperRoam 10 (5G) | $10.00 | 500GB | Unlimited | 100 |
| GOMO | 5G+ Value | $12.33* | 300GB | 800 mins | 800 |
| Singtel | hi! Monthly | $12.00 | 500GB | Unlimited | 100 |
| MyRepublic | 5G Best Value | $17.95 | 550GB | 1,200 mins | 1,200 |
*GOMO price reflects a common 2-month promotional rate ($12.33), reverting to $18.33 thereafter.
Why choose these? This tier offers the best sim card for internet speed, as most include "True 5G" (Standalone) access. SIMBA is currently the standout for offering 500GB for a flat $10, including 10GB of roaming data for 15+ APAC destinations.
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Best SIM-only plan for heavy data users
For power users, gamers, and "cord-cutters," only the best unlimited data sim will suffice. In 2026, the 1TB (1024GB) cap has become the de facto "unlimited" for most MVNOs.
| Telco | Plan | Price (Monthly) | Data | Talktime | SMS |
| M1 | Bespoke 5G Max | $14.95* | 1,024GB | 1,000 mins | 1,000 |
| giga! | 1TB 5G Plan | $28.00 | 1TB | 1,500 mins | 1,500 |
| Singtel | 5G Priority Plus | $45.00 | Unlimited | Unlimited | Unlimited |
| Circles.Life | 5G Ultra | $27.00 | 1TB | Unlimited | 25 |
*M1’s 1,024GB plan includes "Unlimited Weekend Data," making it effectively unlimited for leisure users.
Why choose these? If you are looking for a true best unlimited data sim, Singtel’s Priority Plus provides "Priority Network Lanes," ensuring your speeds stay high during major events or in congested areas. However, for sheer value, the $14.95 M1 Bespoke Max 1TB plan is currently the most aggressive deal in the market.
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Factors to consider when choosing a SIM-only plan in 2026
1. 5G Standalone (SA) vs. Legacy 4G
As of May 2026, 4G is transitioning to a "legacy" network. While it’s cheaper, 5G SA offers significantly lower latency. Ensure your "cheap" plan isn't a 4G-only legacy plan if you value smooth video calls and cloud gaming.
2. Global & Regional Roaming
Roaming has been standardized. Most sim card only deals now bundle 10GB to 18GB of APAC roaming (Malaysia, Indonesia, Thailand, etc.) at no extra cost. Always check the roaming list before buying a separate travel SIM.
3. Economic Context: Inflation & Rates
The MAS April 2026 report projects Core Inflation at 1.5%–2.5%. While telco prices have risen slightly (approx. $1–$2) due to higher operating costs, SIM-only plans remain the most effective way to hedge against inflation compared to high-cost handset contracts.
4. IMDA Compliance: 2G & VoLTE
Following the IMDA March 2026 mandate, all phones must disable 2G by default. Furthermore, VoLTE is now the mandatory standard for all voice calls. If you use an older or imported device, ensure it supports VoLTE to avoid losing voice functionality.
Best credit cards for telco bills
While telco bills are a monthly recurring spend, most credit cards exclude telco bill payments.
Thankfully, there are a select few that still consider telco bills as eligible spending, which are generally classified under MCC 4812 and MCC 4814.
However, one caveat is that recurring bill payments aren't considered online transactions. So, unless your card considers telco bills as one of the eligible categories, you won't be able to earn cashback or miles if your card only recognises online transactions.
But you can still earn credit card rewards from your bill payments by making manual payments each month. Yes, it's a hassle, but it ensures that your spending won't go to waste!
With that said, below are the best credit cards to use for your telco bills:
|
Credit cards |
Cashback/miles earn rate |
Notes |
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4 miles per dollar (mpd) |
- Recurring telco payments aren’t considered online spend, but you can bypass this by pairing it with the amaze card, which converts all offline transactions online |
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4 mpd |
- Pay directly online or on the app every month, as recurring bill payments aren’t eligible |
|
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8% monthly cashback on five chosen categories; capped at S$25 per category and S$125 per month |
- S$800 monthly minimum spend, otherwise 0.4% cashback |
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6.67% cashback; capped at S$20 per category and S$60 per month |
- Pay directly online or via mobile contactless through kiosks or physical stores, as recurring bill payments aren’t eligible - S$600 monthly minimum spend, otherwise 0.3% cashback |
|
|
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Up to 10% cashback on online, eco-merchants, and mobile contactless payments, capped at S$75 per month: |
- Pay directly online or via mobile contactless through kiosks or physical stores, as recurring bill payments aren’t eligible
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3.33% cashback (capped at S$50, S$100, or S$300 per quarter) |
- Monthly minimum spend of S$500, S$1,000, or S$2,000 for three consecutive months per quarter |
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3% cashback on telco bills |
- Cashback on recurring telco bills - S$800 monthly minimum spend |
|
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Up to 18% cashback |
- Only for Singtel customers - S$600 monthly minimum spend, otherwise 0.5% cashback |
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3% cashback on telco bills |
- S$800 monthly minimum spend required |
Conclusion
With so many SIM-only mobile plans to choose from now, the days of being locked into a contract is now a thing of the past. When choosing a SIM-only plan, consider how much data, talk time and SMS you really need before making the switch.
If you're switching from a fixed contract to SIM-only, take note of any early termination penalties. Generally, the earlier you terminate the fixed contract, the heavier the penalty so calculate if what you're saving by switching is enough to cover that amount.
For example, if your early termination penalty is S$200, and you're 6 months away from the penalty-free period, your new SIM only plan should be at least S$33.40 cheaper per month (S$200 divided by 6) than your existing contract plan.
Frequently asked questions
Let's compare Singtel's SIM Only Plus 55 and Singtel Pro post-paid plans. Both offer a similar amount of data (200GB vs 230GB) and provide the customer with 5G access.
The SIM Only Plus plan is priced at S$55 per month, or S$660 yearly, while the Phone Plan Pro Plus plan is priced at S$178 per month, or S$2,136 yearly.
That's about S$123 savings per month or S$1,476 savings per year! Unless you are interested in buying or upgrading to a new phone, the SIM-only plan clearly wins hands-down in terms of savings.
Even if you require a new phone, you could probably buy one that is cheaper directly from Apple or Samsung. Plus, you could probably earn Cashback or Miles from that direct purchase.
Remember, you may not be rewarded for paying your handphone bill with your credit card.
If you do wish to compare your existing post-paid plan with the many SIM-only plans available in the market, remember to compare it with one that has similar offerings in terms of data, talk time, calls, and features.
According to a 2018 study by Info-comm Media Development Authority (IMDA), Singapore residents consumed about 70 petabytes of mobile data per month in Q4Y2021-- up nearly 27 per cent from about 55 petabytes monthly in Q4Y2020. Of course, if you spend a lot of time on your phone to play mobile games, stream a lot of music on Spotify or movies via Netflix, or have a lot of real-time video chats, your data consumption is going to shoot up.
The best gauge is to check your recent telco bills on the amount of data juice you use on average per month. To save on data, you can also log on to Wifi networks wherever possible or download the music or video content on Wifi and then consume it offline.
When a mobile plan promises 'unlimited data', check the fine print. It will usually say something like, 'first 3GB of data at 4G speed, managed network speeds thereafter', which basically translates to 'your internet surfing based on the first 3GB of data will be fast but after that, expect both your network coverage and download speeds to become more spotty and slow down.'
About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.