Best SIM-Only Mobile Plans In Singapore (2024)

John Yong

John Yong

Last updated 01 May, 2024


Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


Break free from lock-in contracts with the best SIM-only mobile plans in Singapore.

Best Credit Cards for Paying Mobile Plans in Singapore on SingSaver

OCBC 365 Card | POSB Everyday Card | Maybank Family & Friends Card | UOB One Card | UOB Absolute Cashback Card | Citi Cash Back+ Card | Standard Chartered Simply Cash Card

Gone are the days when fixed mobile plan contracts by Singtel, StarHub, and M1 locked you in for a period of 12 to 24 months with no way out except by paying a hefty early termination penalty.

How did they attract you to sign up with them? The main tactic was to dangle the latest smartphone at an attractive upfront 'discount' — provided you re-contract with them, locking you in for 12 to 24 months.

Obviously, it wasn’t really a discount; the cost of the smartphone was really just spread out over monthly instalments. 

Instead of these expensive fixed mobile plan contracts, more consumers are now turning to SIM-only plans thanks to a number of mobile virtual network operators (MVNOs) that have entered the market.

What is an MVNO, you might ask? They are network operators that 'rent' bandwidth and access to network services on the infrastructure lines and network from incumbents SingTel, M1 and StarHub at bulk wholesale rates. It then sets retail prices and packages accordingly, taking into account download speeds as well as network coverage.

So if you're looking for a SIM-only mobile plan, and want to know the best credit cards to use for them, read on!



Last updated on 1 May 2024. SIM-only mobile plans and promotions are subject to change without prior notice.

Here's what we'll cover in this article:


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?

Ever since Circles.Life's launched their S$5/month Plan a while back, many telcos have also been hopping on the bandwagon with their low plan prices, while offering you a decent amount of data. 

So far, the best deal has got to be from VIVIFI.

VIVIFI - Lite Plan (Singtel) 3GB/500 mins/20 SMS - Free caller ID
- Free incoming calls and SMS
S$9

 

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

 

What is an MVNO?

Mobile virtual network operators (MVNOs) 'rent' bandwidth and access to network services on the infrastructure lines and network from incumbents SingTel, M1 and StarHub at bulk wholesale rates. It then sets retail prices and packages accordingly, taking into account download speeds as well as network coverage.

MNVOs under Singtel

GOMO, Heya, CMLINK SG, VIVIFI, Zero1, ZYM Mobile

MNVOs under StarHub

Giga!, MyRepublic (5G), redONE

MNVOs under M1

Maxx, Circles.Life, MyRepublic (4G), Changi Mobile, ZΩH, Geenet mobile


Best SIM-Only plan for light data users

Ideal for: Young children, senior citizens, work phones for replying emails and messages

Provider/Plan (Network) Data/Talk Time/SMS Add-Ons Monthly Subscription
VIVIFI - Lite Plan (Singtel) 3GB/500 mins/20 SMS - Free caller ID
- Free incoming calls and SMS
S$9
VIVIFI - Plus 9 Plan (Singtel) 9GB/350 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
S$9.50
Zero1 - Starter Plan (Singtel) *6GB Unlimited Data/150 mins/100 SMS

*premium data and thereafter at usable speeds
- Free caller ID
- Free incoming calls and SMS
S$7.06
Zero1 - Zero1 Classic (Singtel) *12GB Unlimited Data/200 mins/200 SMS

*premium data and thereafter at usable speeds
- Free caller ID
- Free incoming calls and SMS
S$10.09
CMLink SG - 12GB Plan (Singtel) *12GB/100 mins/100 SMS

*includes 6GB roaming data for use in Singapore, Hong Kong and mainland China, and 100 mins local talk time and 100 mins from local to Hong Kong, mainland China, Indonesia, Malaysia, Thailand and USA
- Free caller ID
- Free incoming calls and SMS
S$10.90
ZYM Mobile - Lite 4G Plan (Singtel) 20GB/400 mins/200 SMS - Free caller ID
- Free incoming calls
S$10.10
GOMO 10GB SIM-Only Plan (Singtel) 10GB/100 mins/100 SMS - Free caller ID
- Free incoming calls
S$10.18
giga! - 10GB Plan (Starhub) 10GB/300 mins/300 SMS - Free caller ID
- Free incoming calls and SMS
- Data rollover
S$10.19
redONE - Super8 Plan (Starhub) 8GB/500 mins/500 SMS - Free caller ID
- Free incoming calls
- Data, Calls and SMS can be made in both Singapore and Malaysia
S$8.40
Circles.Life 10GB Plan (M1) 10GB/100 mins/25 SMS - Free caller ID S$10.09
This comparison table excludes any existing promotions

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Best SIM-only plan for moderate data users

Ideal for: Teenagers, Young Adults, Surfing Social Media

Provider/Plan (Network) Data/Talk Time/SMS Add-Ons Monthly Subscription
VIVIFI - Plus 20 Plan (Singtel) 50GB/400 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
S$11.50
VIVIFI - Plus 20-5G Plan (Singtel) 60GB/400 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
S$19
Zero1 - 60u 5G Plan (Singtel) 60GB/500 mins/500 SMS - Free caller ID
- Free incoming calls and SMS
S$25.44
CMLink SG - 50GB Plan (Singtel) *50GB/300 mins/300 SMS

*includes 25GB roaming data for use in Singapore, Hong Kong and mainland China, and 300 mins local talk time and 300 mins from local to Hong Kong, mainland China, Indonesia, Malaysia, Thailand and USA
- Free caller ID
- Free incoming calls and SMS
S$21
*MyRepublic - Basic Plan (M1)

*M1 port-ins have a separate plan
50GB/400 mins/400 SMS - Free caller ID
- Free incoming calls
S$12.90
Singtel - Sim Only Plus 30 (12-month contract) 60GB/1,000 mins/500 SMS - Free caller ID
- Free incoming calls and SMS
S$30.56
Geenet Mobile (M1) 60GB/300 mins/300 SMS - Free caller ID S$10
This comparison table excludes any existing promotions

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Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Best SIM-only plan for heavy data users

Ideal for: Streaming services and gaming

Provider/Plan (Network) Data/Talk Time/SMS Add-Ons Monthly Subscription
SIMBA 100GB SIM-Only Plan (TPG) 100GB/300 mins/30 SMS - 1GB of roaming data
- Unlimited calls to local mobile lines
- Unlimited SMS to SIMBA lines
S$10
SIMBA 130GB SIM-Only Plan (TPG) 130GB/500 mins/50 SMS - 2GB of roaming data
- Unlimited calls to local mobile lines
- Unlimited SMS to SIMBA lines
S$18
VIVIFI - Binge 50 Plan (Singtel) 150GB/400 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
- Free 1GB roaming data
S$18
VIVIFI - Binge 50 5G Plan (Singtel) 160GB/400 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
- Free roaming data
S$25.50
Zero1 - 50u Plan (Singtel) 150GB/500 mins/500 SMS - Free caller ID
- Free incoming calls and SMS
S$18.22
Zero1 - Jumbo 100 Plan (Singtel) 100GB/800 mins/100 SMS - Free caller ID
- Free incoming calls and SMS
S$20.240
Zero1 - 80u 4G Plan (Singtel) 80GB/800 mins/800 SMS - Free caller ID
- Free incoming calls and SMS
S$25.38
Zero1 - 90u 5G Plan (Singtel) 90GB/800 mins/800 SMS - Free caller ID
- Free incoming calls and SMS
S$32.55
CMLink SG 80GB SIM-Only Plan  (Singtel) *80GB/400 mins/400 SMS

*includes 35GB roaming data for use in Singapore, Hong Kong and mainland China, and 400 mins local talk time and 400 mins from local to Hong Kong, mainland China, Indonesia, Malaysia, Thailand and USA
- Free caller ID 
- Free incoming calls and SMS
S$31.10
CMLink SG 110GB SIM-Only Plan (Singtel) *110GB/500 mins/500 SMS

*includes 50GB roaming data for use in Singapore, Hong Kong and mainland China, and 500 mins local talk time and 500 mins from local to Hong Kong, mainland China, Indonesia, Malaysia, Thailand and USA
- Free caller ID 
- Free incoming calls and SMS
S$41.20
ZYM Mobile - Prime 4G Plan (Singtel) 100GB/500 mins/500 SMS - Free caller ID
- Free incoming calls and SMS
- Rollover data
S$18.40
ZYM Mobile -  Roam Pro 5G (Singtel) 110GB/300 mins/100 SMS - Free caller ID 
- Free incoming calls and SMS
- Rollover data
S$20.10
ZYM Mobile - Mega 5G Plan (Singtel) 110GB/500mins/500 SMS - Free caller ID 
- Free incoming calls and SMS
- Rollover data
S$28.50
ZYM Mobile - Super 5G Plan (Singtel) 140GB/Unlimited mins/500 SMS - Free caller ID 
- Free incoming calls and SMS
- Rollover data
S$38.70
GOMO 150GB SIM-Only Plan (Singtel) 150GB/500 mins/500 SMS - Free caller ID
- Free incoming calls
- Free 1GB roaming data
S$15.28
GOMO 5G Plan (Singtel) 200GB/1,000 mins/1,000 SMS
(200GB first 6 months, 100GB thereafter)
- Free caller ID
- Free incoming calls
S$25.46
giga! - 200GB Plan (Starhub) 200GB/800 mins/800 SMS (first 6 months)
Promo code: BONUS50
- Free caller ID 
- Free incoming calls and SMS
- Rollover data
S$18.33
giga! - 300GB Plan (Starhub) 300GB/1,000 mins/1,000 SMS (first 6 months)
Promo code: BONUS100
- Free caller ID 
- Free incoming calls and SMS
- Rollover data
S$20.37
redONE - Perfect10 (Starhub) 100GB/500 mins/200 SMS - Free caller ID
- Free incoming calls
- Data, Calls and SMS can be made in both Singapore and Malaysia
S$10.90
redONE - Super18 (Starhub) 100GB/1,000 mins/300 SMS - Free caller ID
- Free incoming calls
- Data, Calls and SMS can be made in both Singapore and Malaysia
S$18.90
redONE - Super28 (Starhub) 150GB/1,500 mins/500 SMS - Free caller ID
- Free incoming calls
- Data, Calls and SMS can be made in both Singapore and Malaysia
S$28.90
redONE - Super38 (Starhub) 200GB/2,000 mins/800 SMS - Free caller ID
- Free incoming calls
- Data, Calls and SMS can be made in both Singapore and Malaysia
S$38.90
Circles.Life - 4G Borderless Plan (Multi-Country) (M1) 100GB/300 mins

- Free caller ID
- Free incoming calls
- Use data across Singapore and 8 popular Asian countries

S$30.94
Circles.Life - 4G Special Plan (M1) 200GB/300 mins
(200GB data for 6 months, 100GB thereafter)
- Free caller ID
- Free incoming calls
S$16
Changi Mobile FlexiValue+ SIM-Only Plan (M1) 100GB/300 mins/300 SMS - Free caller ID
- Free incoming calls and SMS
S$10
Changi Mobile FlexiFreedom SIM-Only Plan (M1) 150GB/1,000 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
S$12
Changi Mobile FlexiUltimate SIM-Only Plan (M1) 150GB/1,000 mins/200 SMS - Free caller ID
- Free incoming calls and SMS
S$15
Changi Mobile FlexiTravel SIM-Only Plan (M1) 200GB/1,000 mins/200 SMS
+3GB Roaming (5 destinations)
- Free caller ID
- Free incoming calls and SMS
S$18
Geenet Mobile (M1) 120GB/1,000 mins/ 100 SMS
+60GB (promo)
- Free incoming calls
- Free caller ID
- Data rollover
S$12
Geenet Mobile (M1) 180GB/3,000 mins/ 100 SMS
+90GB (promo)
- Free incoming calls
- Free caller ID
S$18
heya 100GB SIM-Only Plan (Singtel) *100GB/300 mins/50 SMS

*for the first 3 months, thereafter 50 GB
- Free caller ID
- Free incoming calls
S$10
Singtel - SIM Only Plus 45 Plan (12-month contract) 100GB/1,000 mins/1,000 SMS - Free caller ID
- Free incoming calls and SMS
- S$100 phone voucher
S$36.68
Singtel - SIM Only Plus 55 Plan (12-month contract) 170GB/1,500 mins/1,500 SMS - Free caller ID
- Free incoming calls and SMS
- S$100 phone voucher
S$44.82/month for 12 months
Geenet Mobile 100GB Plan (M1) 100GB/500 mins/500 SMS - Free caller ID
- Free incoming calls
S$12
*MyRepublic - 5G Plus (M1)

*M1 port-ins have a separate plan
110GB/1,200 mins/1,200 SMS - Free caller ID
- Free incoming calls
S$19.95
*MyRepublic - EX Core Plan (M1)

*M1 port-ins have a separate plan
170GB/500 mins/500 SMS
(170GB data for first 6 mths, 150GB thereafter)
- Free caller ID
- Free incoming calls
S$15.90
*MyRepublic Value Plan (M1)

*M1 port-ins have a separate plan
200GB/800 mins/800 SMS
- Free caller ID
- Free incoming calls
- 1GB free roaming data (Malaysia/Indonesia)
S$15.90
*MyRepublic Unlimited Data Plan (M1)

*M1 port-ins have a separate plan
Unlimited/2,000 mins/2,000 SMS
- Free caller ID
- Free incoming calls
- 10GB/day at full speed
S$25.90
*MyRepublic - 5G Ultimate Plan (M1)

*M1 port-ins have a separate plan
Unlimited/1,500 mins/1,500 SMS - Free caller ID
- Free incoming calls
- 7GB/day at full speed
S$24.95 for first 6 months, S$29.95 thereafter
M1 150GB Forever Plan 150GB/1,100 mins/1,100 SMS - Free caller ID
- Free unlimited calls
- Free unlimited data
S$16.15
M1 200GB Forever Plan 200GB/1,100 mins/1,100 SMS - Free caller ID
- Free unlimited calls
- Free unlimited data
S$19.18
This comparison table excludes any existing promotions

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UOB Credit Card Welcome Offer: Receive S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.


SIM-Only Plans By Singtel vs Starhub vs M1

Not wanting to lose customers to MNVOs, the three main telcos - Singtel, Starhub and M1 - have also rolled out their own SIM-only plans. Here is a comparison of their respective plans.

Singtel SIM-only Plans

  • Singtel SIM Only Plus 30 5G Plan (12-month contract) @ S$30.56/month
    • 100GB/1,000 mins/1,000 SMS
    • Free 3 months 5G Access, unlimited incoming talk time
  • Singtel SIM Only Plus 45 5G Plan (12-month contract) @ S$36.68/month
    • 100GB/1,000 mins/1,000 SMS
    • Free caller ID, incoming calls, SMS, Sp and S$100 phone voucher, free 5G access and and free CAST Lifestyle & Education Plus
  • Singtel SIM Only Plus 55 5G Plan (12-month contract) @ S$44.82/month
    • 170GB/1,500 mins/1,500 SMS (for first 6 months, 90GB thereafter)
    • Free caller ID, incoming calls, SMS, S$100 phone voucher and free CAST Lifestyle & Education Plus

💡 Important note: Singtel requires customers to sign a 12-months contract for all three SIM-only plans. Customers are also allowed to upsize their plans for a monthly fee. Visit Singtel for more details and full terms and conditions.


Starhub SIM-only Plans

💡 Important note: Starhub offers mobile + SIM-only plans as well. Customers are can also upsize their plans for a monthly fee. Visit Starhub for details and its full terms and conditions.


M1 SIM-only Plans

M1 150GB Forever Plan (no contract) @ S$16.15/month
  • 150GB/1,100 mins/1,100 SMS
  • Free caller ID, unlimited data
M1 200GB SIM-only Plan (no-contract) @ S$19.18/month
  • 200GB/1,000 mins/1,000 SMS
  • Free caller ID, unlimited data

💡 Important note: M1 only offers no-contract SIM-only plans, useful for customers who don't wish to be locked in to year-long contracts. Visit M1 for more details and full terms and conditions.

 

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

CITI_REWARDS_MASTER
amaze card new
Citi Rewards Card + amaze card

 

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

- No minimum spend

- Bonus points capped at first S$1,000 per statement month

DBSWomansWorldMasterCard
DBS Woman’s World Card

 

4 mpd

- Pay directly online or on the app every month, as recurring bill payments aren’t eligible

- Bonus rate spend cap at first S$2,000 per calendar month

- S$80,000 minimum annual income required

maybank-family-friends-mastercard
Maybank Family & Friends Card

 

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

- 3-year annual fee waiver

uob-evol-1024x644
UOB EVOL Card

 

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

DBS-Live-Fresh-Student-Card-1
DBS Live Fresh Card

 

Up to 10% cashback on online, eco-merchants, and mobile contactless payments, capped at S$75 per month:
- S$20 for online spend
- S$20 for mobile contactless
- S$20 for all other spend
- S$15 for sustainable spend)

- 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

uob-one-credit-card
UOB One Credit Card

 

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


OCBC365
OCBC 365 Card



 

3% cashback on telco bills

- Cashback on recurring telco bills

- S$800 monthly minimum spend

DBSYuu_Visa-2
DBSYuu_Amex-1
DBS yuu Card

 

Up to 18% cashback

- Only for Singtel customers

- Pay at Singtel self-serve kiosks, as recurring bill payments aren’t eligible


- S$600 monthly minimum spend, otherwise 0.5% cashback

POSB_everyday_card_front_RGB_1920x1080_20190723
POSB Everyday Card

 

3% cashback on telco bills

- S$800 monthly minimum spend required

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Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Frequently asked questions

How much can I save if I switch to a SIM-only plan?

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 55 plan is priced at S$44.82 per month, or S$537.84 yearly, while the XO Plus 168 plan is priced at S$178 per month, or S$2,136 yearly.

That's about S$133 savings per month or S$1,598 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.


How much data do you need?

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.


What is 'managed network speed'?

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.'


Get the best SIM-Only plan through SingSaver

Don't want to be tied down by a traditional telco plan? Get yourself a SIM-Only plan that gives you what you need with options to customise by using our simple-to-use comparison tool below.


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.

Compare Best SIM-Only Telco Plans


 

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