Best SIM-Only Mobile Plans In Singapore (2025)
Updated: 5 Aug 2025
Written bySingSaver Team
Team
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!
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 SIM-only plans starting from under S$10 per month across various providers such as GOMO, VIVIFI and Zero1. However, these low-cost plans are limited to 4G networks, so there’s a tradeoff in terms of speed.
In fact, the best deal – in terms of cost – for SIM-only plans comes from Zero1.
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Zero1 - Starter Prime (4G) (Singtel) |
200GB/300 mins/100 SMS RoamA 3GB FREE Roam Malaysia (365 Days) 100GB FREE 5G trial (3 months) FREE
|
- Free caller ID - Free incoming calls and SMS |
S$7.06 |
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. They then set 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, eight Telecom |
|
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 - Roam Value (Singtel) |
200GB/300 mins/100 SMS |
- Free 100GB Roaming (Malaysia, 365 days) - Free 3GB to 6 Asia Destinations - Free 5G trial (3 months) - Free caller ID - Free incoming calls and SMS - Free SIM Card or eSIM |
S$7.70 |
|
GOMO 4G SAVER (Singtel) |
88GB/300mins/300 SMS
|
- 12GB MY roaming (Valid for 90 days) - Free caller ID & incoming calls |
S$10.18 |
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 |
|
GOMO 5G+ Value (Singtel) |
300GB/800 mins/800 SMS |
- Free 300GB/mth roaming (Malaysia) - Free 10GB/mth roaming (5 destinations) - Free 6GB/mth international roaming (50 destinations) - Free caller ID and incoming calls
|
S$12.33/mth for two months, S$18.33/mth thereafter |
|
VIVIFI - Plus 20-5G Plan (Singtel) |
60GB/400 mins/200 SMS |
- Free 600GB Malaysia (365 days) - Free caller ID - Free incoming calls and SMS - Free SIM Card or eSIM |
S$19.00 |
|
162GB/300mins/25 SMS |
- Free caller ID - Free unlimited incoming calls |
S$9.90 |
|
|
100GB/300mins |
- Free caller ID - Data roaming across SG and 8 popular Asian countries - Free Incoming Local and Roaming SMS |
S$30.00 |
|
|
Singtel - Sim Only Enhanced LiteCore (No contract) |
150GB/400 mins/400 SMS |
- Enhanced network lane (2x speed) - Free 3 months McAfee Mobile Security - Free 3 months Disney+ Premium - Free caller ID - Free incoming calls and SMS |
S$35.00 |
Best SIM-only plan for heavy data users
Ideal for: Streaming services and gaming
200GB
|
Provider/Plan (Network) |
Data/Talk Time/SMS |
Add-Ons |
Monthly Subscription |
|
VIVIFI - Roam Value 5G (Singtel) |
210GB/300 mins/300 SMS |
- 100GB Malaysia (365 days) - 3GB (6 Asia destinations) - Free caller ID - Free incoming calls and SMS - Free SIM Card or eSIM |
S$15.20 |
|
Zero1 - Jumbo Go Prime (Singtel) |
200GB/500 mins/50 SMS IDD 150mins
|
- Free caller ID - Free incoming calls |
S$12.70 |
|
ZYM Mobile - Roam Saver 5G (Singtel) |
200GB local data/100GB MY data/300 mins/100 SMS |
- Free caller ID and incoming calls - 3GB Roaming Data |
S$7.77 |
|
redONE - Best10 Plan (Starhub) |
250GB/500 mins/200 SMS |
- 30GB for 3 Asian destinations - 1GB for ASEAN Roaming Data - Free caller ID - Free incoming calls - Data, Calls and SMS can be made in both Singapore and Malaysia |
S$10.90 |
|
Geenet Mobile (M1) |
200GB/1,000 mins/100 SMS/1GB Data roaming |
- Free caller ID - Free incoming calls |
S$10.00 |
|
288GB/200 mins/100 SMS |
- 3GB roaming data (MY, ID) - Free caller ID - Free incoming calls |
S$9.90 |
300GB
|
Provider/Plan (Network) |
Data/Talk Time/SMS |
Add-Ons |
Monthly Subscription |
|
GOMO 5G+ Value Plan (Singtel) |
300GB/800 mins/800 SMS |
- Free 300GB/mth roaming (Malaysia) - Free 10GB/mth roaming (5 destinations) - Free 6GB/mth international roaming (50 destinations) - Free caller ID and incoming calls |
S$12.33 for the first month, S$18.33/mth thereafter |
|
GOMO 4G Plus SIM-Only Plan (Singtel) |
300GB/500 mins/500 SMS |
- Free caller ID and incoming calls - Free 6GB roaming data |
S$15.00 |
|
Geenet Mobile (M1) |
300GB/1,000 mins/100 SMS/3GB Data roaming |
- Free caller ID - Free incoming calls |
S$15.00 |
|
Zero1 - Basic Plan - 4G Streamo Bold (Singtel) |
300GB/300 mins/100 SMS |
- RoamAP 5GB - Roam Malaysia/Indonesia 600GB (365 days) - Free caller ID - Free incoming calls and SMS - Free 5G Trial (3 months) |
S$10.10 |
|
300GB/300 mins/300 SMS |
- Free 5G speeds (24 months) - Free 8GB Asia roaming - Free Rollover Data - Free CallerID |
S$15.28 |
|
|
CMLink SG 300GB SIM-Only Plan (Singtel) |
*300GB/300 mins/100 SMS *includes up to 600GB roaming data |
- 5G Access + 10GB data (S$5/mth) - Free caller ID & incoming calls |
S$10.01 |
|
350GB/800 mins/800 SMS |
- Free 5GB data roaming - Free caller ID - Free incoming calls |
S$15.95 |
|
|
ZYM Mobile - Roam Plus 5G (Singtel) |
300GB local data/600GB MY/ID data/1,000 mins/100 SMS |
- Free caller ID and incoming calls - 5GB Roaming Data - 5G connectivity (90 days) |
S$10.10 |
|
VIVIFI - 4G Vibe Plan (Singtel) |
300GB local data/588 mins/100 SMS |
- 600GB of roaming data MY/ID (365 days) - Free 5GB to 13 Asian destinations - Free caller ID - Free incoming calls and SMS - Free SIM Card or eSIM |
S$10.00 |
|
VIVIFI - Vibe-5G (Singtel) |
310GB local data/588 mins/100 SMS |
- 600GB of roaming data MY/ID (365 days) - Free 5GB to 13 Asian destinations - Free caller ID - Free incoming calls and SMS - Free SIM Card or eSIM |
S$17.50 |
400GB - 600GB
|
Provider/Plan (Network) |
Data/Talk Time/SMS |
Add-Ons |
Monthly Subscription |
|
500GB/1,000 mins/1,000SMS |
- Free 500GB roaming MY monthly - Free 10GB international roaming to 50 countries monthly |
S$14.99/mth for the first 2 months, S$20.99/mth thereafter |
|
|
400GB/300 mins/100 SMS |
- Free 5GB roaming MY/ID monthly - Free caller ID |
S$10.90 |
|
|
550GB/1,200 mins/1,200 SMS |
- Free 12GB roaming (MY/ID/TH) - Free 2GB international roaming - Free caller ID - FREE 10GB Data Roaming Forever |
S$17.95 |
|
|
Giga! - 5G Plans - 400GB (Starhub) |
400GB/800 mins/800 SMS |
- Free 10GB Asia Roaming Forever - Free 6GB International roaming - Free Rollover Data - Free CallerID |
S$18.33 |
|
redONE - Best20 Plan (Starhub) |
500GB/1,000 mins/500 SMS |
- Free caller ID - Free incoming calls - Free 60GB Data Roaming (MY/TH/ID) - 3GB ASEAN roaming - 250 mins IDD (MY/TH/ID) |
S$20.90 |
|
650GB/Unlimited mins |
- Free 10GB roaming (7 destinations) - Free caller ID - Free unlimited incoming and outgoing calls |
S$15.00 |
|
|
Geenet Mobile (M1) |
500GB/1,000 mins/100 SMS/1GB Data roaming daily |
- Free 200 mins IDD - Free caller ID |
S$20.00 |
|
Zero1 - Movemo Vibe (4G) (Singtel) |
400GB/300 mins/100 SMS |
- RoamAP 5GB - Roam MY/ID 600GB (365 days) - Free caller ID - Free incoming calls and SMS |
S$12.00 |
|
Zero1 - Movemo Dash (5G) (Singtel) |
500GB/600 mins/100 SMS |
- RoamAP 5GB - Roam MY/ID/TH 600GB (365 days) - Free caller ID - Free incoming calls and SMS |
S$20.00 |
|
500GB/600 mins/100 SMS |
- 8GB of roaming data - 18GB APAC roaming data - Unlimited calls to local mobile lines - Unlimited SMS to SIMBA lines |
S$12.00 |
|
|
CMLink SG 400GB SIM-Only Plan (Singtel) |
*400GB/600 mins/100 SMS |
- 15GB of roaming data (12 destinations) - 5GB roaming CN/HK - Free caller ID & incoming calls |
S$15.00 |
1TB to Unlimited Data SIM-only Plans
|
Provider/Plan (Network) |
Data/Talk Time/SMS |
Add-Ons |
Monthly Subscription |
|
GOMO 5G+ Asia Infinity (Singtel) |
Unlimited Asia roaming to 18 destinations 12GB Intl roaming to 50 destinations |
- Free caller ID and incoming calls - 800GB MY roaming - Free 16GB roaming data |
S$30.56 |
|
GOMO 5G+ Global Infinity (Singtel) |
|
- Free caller ID and incoming calls - Unlimited international roaming to 50 destinations - 800GB MY roaming |
S$21.15 for the first month, S$27.15/mth thereafter. |
|
1TB/1,500 mins/1,500 SMS |
- Free 16GB Asia Roaming Forever - Free 12GB international roaming forever - Free Rollover Data - Free CallerID |
S$28.00 |
|
|
1TB/Unlimited mins |
- Free caller ID - Free unlimited incoming and outgoing calls |
S$27.00 |
|
|
800GB/1,400 mins/1,400 SMS |
- Free 10GB roaming MY/ID/TH - 4GB international roaming (4 destinations) - Free caller ID - Free incoming calls |
S$19.95 |
|
|
CMLink SG Unlimited SIM-Only Plan (Singtel) |
*Unlimited/400 mins/400 SMS *includes 40GB roaming data in CH and HK |
- Free 6GB APAC roaming data - Free 600GB MY roaming - Free 5G Access - Free caller ID and incoming calls |
S$31.10 |
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
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Singtel SIM Only Priority Plus 5G Plan (no contract) @ S$55/month
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600GB/1,000 mins/1,000 SMS
-
Free Caller ID
-
Asia Roaming 3GB, Malaysia Roaming 50GB
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Singtel SIM Only Enhanced Core 5G Plan (no contract) @ S$40/month
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300GB/700 mins/700 SMS
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Free Caller ID and Asia Roaming 1GB
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Singtel SIM Only Enhanced Lite 5G Plan (12-month contract) @ S$35/month
-
60GB/400 mins/400 SMS
-
12 months Caller ID
💡 Important note: Singtel requires customers to sign a 12-months contract for the lowest-cost SIM-only plan out of the three. 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
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Star Plan M @ S$22/month
-
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150GB/1,000 mins/500 SMS
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1GB roaming (5 destinations)
-
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Star Plan L @ S$32/month
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200GB/1,500 mins/750 SMS
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5GB roaming (5 destinations)
-
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Star Plan Senior @ S$15/month
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100GB/1,000 mins/500 SMS
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1GB roaming to Malaysia
💡 Important note: Starhub offers mobile + SIM-only plans as well. Customers can also upsize their plans for a monthly fee. Visit Starhub for details and its full terms and conditions.
M1 SIM-only Plans
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M1 150GB Plan (no contract) @ S$14.95/month
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150GB/1,000 mins/1,000 SMS
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12 months unlimited weekend data
-
-
M1 1TB Plan (no contract) @ S$17.95/month
-
1TB/1,000 mins/1,000 SMS
-
12 months unlimited weekend data
-
-
M1 1TB + 1GB Worldwide Plan (no contract) @ S$22.95/month
-
1TB/1,000 mins/1,000 SMS
-
1GB worldwide roaming
-
12 months unlimited weekend 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 |
|
|
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 |
|
4 mpd |
- Pay directly online or on the app every month, as recurring bill payments aren’t eligible |
|
|
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 |
|
|
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 |
|
|
|
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
|
|
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 |
|
|
3% cashback on telco bills |
- Cashback on recurring telco bills - S$800 monthly minimum spend |
|
|
Up to 18% cashback |
- Only for Singtel customers - S$600 monthly minimum spend, otherwise 0.5% cashback |
|
|
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.