Citi PayAll vs SC EasyBill vs CardUp: Which Is Best for Singaporeans in 2025?

SingSaver Team

written_by SingSaver Team

updated: May 26, 2025

The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.

Want to earn miles or cashback on hefty outgoings like rent, tax, or school fees? These three clever platforms let you turn non-card expenses into rewarding transactions, helping you find the best credit card to pay bills and earn rewards.

>> More : How to earn miles on your YA2025 income tax bill

Why this matters to you

Big-ticket bills like rent, insurance, IRAS tax or school fees typically don’t earn rewards. That’s a missed opportunity — especially when you’re spending thousands.

Platforms like Citi PayAll, SC EasyBill and CardUp solve this by letting you pay those bills with your credit card. In return, you earn miles, cashback or points — just like you would with regular card spend.

This is great for:

  • Frequent flyers: Earn miles on taxes, rent and more.

  • Young professionals: Hit sign-up bonus or fee waiver thresholds faster.

  • Families and landlords: Manage cash flow while earning rewards.

  • SMEs and freelancers: Get flexibility and returns on large monthly expenses.

>> More : How to earn miles on IRAS income tax

Platform overview

Let's take a look at what each platform brings to the table.

Citi PayAll — Maximise Miles for Citi Cardholders

  • Eligibility: Singapore-issued Citi credit cards only 

  • How it works: Accessed via Citi Mobile App; schedule payments directly 

  • Fees: ~2% (often lower with promotions) 

  • Rewards: Earn based on your Citi card’s rate (e.g., 2 mpd with PremierMiles)

  • Perks: Regular bonus miles campaigns (e.g., 2.5 mpd for income tax)

SingSaver’s Take

Citi PayAll is an excellent tool for dedicated Citi cardholders looking to maximise their miles accumulation on major expenditures. Its recurring bonus miles promotions can significantly enhance the value of your rewards, making it a top choice for high spenders chasing miles.

 

SC EasyBill — Tailored for Standard Chartered Users

  • Eligibility: Standard Chartered cardholders only 

  • How it works: Submit bill details through the EasyBill online portal 

  • Fees: ~1.9–2% 

  • Rewards: Earn points or miles (e.g., up to 1.6 mpd) 

  • Perks: Pay on behalf of family (e.g., spouse’s tax)

SingSaver’s Take

SC EasyBill is a must-use for Standard Chartered cardholders looking to earn rewards on traditionally unrewarding payments, especially if they have an SCB mortgage. Its competitive fees and family-friendly payment options add significant value.

CardUp — Flexible for Most Visa/Mastercard Users

  • Eligibility: Any Visa/Mastercard from most Singapore banks 

  • How it works: Schedule one-time or recurring payments via app or website 

  • Fees: 2.6% (often reduced to 1.75–2% with promo codes) 

  • Rewards: Earn based on your card’s rate (miles, cashback or points)

  • Perks: Recurring payments, frequent promo codes, SME billing support

SingSaver’s Take

CardUp is the most flexible option for Singaporeans who want to earn rewards on big bills, especially if they don't hold a Citi or Standard Chartered card. Its recurring payment feature and frequent promo codes make it an excellent choice for a wide variety of users, including landlords and SME owners.

 

>> Keep your credit score healthy with our guide to managing credit card payments.

Best platform for each use case

Use Case

Best Platform

Reason

Paying IRAS tax (income tax credit card payment)

Citi PayAll

High limits + periodic 2.5 mpd promos (especially for tax season).

Paying rent

CardUp

Supports almost any landlord; excellent recurring payment setup.

Paying SCB mortgage

SC EasyBill

The only platform supporting this specific Standard Chartered payment.

Hitting bonus spend

Any (check your card)

Pick the one with a promo that aligns with your credit card's bonus earn.

SME expenses (rent, services)

CardUp Business

Offers bulk uploads, Xero integrations for business efficiency.

Helper salary or CPF contributions (levy payment)

CardUp

Uniquely accepts non-traditional payments like helper salaries.

 

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Payment timing and processing speed

When paying big bills, timing matters — especially if you're close to a due date. Here's what you can expect from each platform when it comes to processing times.

  • Citi PayAll takes up to 7 calendar days to process your payment. To ensure timely delivery, it’s best to submit your payment before the daily cut-off at 5:00pm (SGT).

  • SC EasyBill typically requires 4 to 5 business days to complete a transaction. To qualify for same-day processing, your submission must be in by 2:00pm (SGT).

  • CardUp processes payments within 3 business days. For next business day processing, make sure to submit your payment by 11:59pm (SGT) the night before.

Tips:

  • Always schedule payments 5–7 days in advance of the due date to be safe. 

  • Double-check the recipient bank account details carefully. A tiny typo can cause major headaches.

  • Note that weekends and public holidays can affect processing times, so factor those in.

>> Budgeting made easy: 5 steps to a plan you’ll actually stick to

What happens if something goes wrong?

Even with the most reliable platforms, mistakes can happen — here’s what you need to know if something goes off track with your payment.

If you’ve entered the wrong payment details (like an incorrect bank account number or recipient name), most platforms will allow you to request a refund. However, it may take 5 to 10 working days, and some may deduct an admin fee.

If your payment is rejected by the recipient (for example, if the account is closed or details don’t match), the funds are usually automatically reversed to your credit card. You’ll be notified when this happens.

In the case of a duplicate payment, you’ll need to contact the platform’s customer support. They’ll help investigate and process a reversal — but don’t delay, as early action speeds things up.

Changed your mind? If the payment hasn't been processed yet, a cancellation is often possible, as long as it’s flagged before the platform’s cut-off time. Once processing begins, a refund may still be an option but could take longer to complete.

SingSaver’s verdict: Which platform is best?

For the absolute best miles promotions, lean on Citi PayAll. For unparalleled flexibility and often the lowest effective fee with a promo code, CardUp is your champion. And if you're firmly in the Standard Chartered camp (or have an SCB mortgage), SC EasyBill is your bespoke solution. This helps answer which is the best credit card to pay bills and earn rewards depending on your needs.

How to earn air miles when paying tuition fees in Singapore

Did you know your child’s education could help fund your next holiday? Here’s how to earn KrisFlyer miles, cashback or credit card points just by paying school fees smartly.

Frequently asked questions about the best bill & tax payment services that still earn you rewards & miles in Singapore

  • Can I earn rewards for paying rent and taxes with these platforms?

    Yes! All three platforms enable you to earn rewards for IRAS tax, rent, and more — depending on your card and platform choice.

  • Are the fees worth it?

    They often are — especially when paired with high earn rate cards or promotional discounts. You’ll usually get more in rewards than you pay in fees.

  • Can I schedule recurring payments?

    Yes — Citi PayAll and CardUp support recurring setups. SC EasyBill does not.

  • What if I don’t have a Citi or SCB card?

    CardUp is your best bet. It works with most Visa/Mastercard credit cards issued in Singapore.

  • Can I split a large bill across multiple cards?

    Yes — both Citi PayAll and CardUp support partial payments. Just schedule separate transactions.

about_the_author

SingSaver Team

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.