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

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

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

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

• 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.

>> More : How long should you keep your credit card statements?

• 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.

>> More : How to renew road tax

• 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.

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

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.

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.