Singaporeans love earning credit card rebates!

There is a dizzying array of credit cards available in Singapore, each with its own unique set of features and benefits. Which is the best credit card? Is there the best credit card to accumulate air miles?

So which one should you choose? And how do you pay your credit card bill if you’ve overspent?

In this blog post, we’ll guide you through the process of paying your credit card bill for some of the major banks in Singapore – DBS, UOB, Citibank and OCBC. Read on to find out more!

How Can I Pay My Credit Card Bill?

If you’re like most people, you probably have a love-hate relationship with your credit card. On the one hand, it’s nice to have a backup source of funds when you need them. On the other hand, those bills can really add up!

If you’re looking for ways to pay off your credit card debt, consider these options:

  • Set up automatic payments from your checking account, which will ensure that your bill is paid on time every month.
  • If you’re trying to get out of debt as quickly as possible, you can make larger payments each month.
  • Some credit card companies also offer programs that allow you to transfer your balance to another card with a lower interest rate.
  • Getting a credit card consolidation loan from Lending Bee to clear the debt.

Specific payment methods to consider include:

  • Internet banking: Almost all banks in Singapore offer the option to pay your credit card bill via internet banking. This option is usually the most convenient, as you can do it from the comfort of your own home.
  • ATM: You can also make payments at any ATM, as long as it’s affiliated with your bank.
  • GIRO: You can set up a GIRO arrangement with your bank, which will automatically deduct the amount of your credit card bill from your account each month.
  • By cheque: You can mail in a cheque or drop it off at a bank branch. Be sure to write your credit card number on the back of the cheque.
  • By post: Some banks offer the option to pay your credit card bill by post. This alternative can be convenient if you’re out of town or don’t have internet access.
  • In-person: You can also pay your credit card bill at any bank branch.

Whichever method you choose, stay on top of your payments and keep your debt under control.

You don’t want to end up needing credit counseling.

Paying Your Credit Card Bill: DBS, UOB, Citibank, OCBC, and Standard Chartered


This section below will tell you how to pay your credit card bill using your accounts. However, you can also pay your bill from another account, using:

  • NEFT
  • E-pay
  • Money transfer
  • Card payment from another bank’s website
  • A dedicated ATM for your bank
  • SMS banking
  • GIRO
  • A cheque presented at your local branch

How to Pay Citibank Credit Card Bill

If you want to pay using your accounts:

  • Download the Citibank app and use the Pay Now option after registering your ID and password.
  • Alternatively, log in to the Citibank website and choose the payment tab. You’ll have to go through several other steps, including receiving and filling in a one-time password.

How to Pay Standard Chartered Credit Card Bill

  • Log in to Standard Chartered Online Banking or Mobile Banking
  • Select “Pay SC Credit Cards”
  • Follow the instructions to make the payment

How to Pay DBS Credit Card Bill

  • Log in to Digibank Mobile and go to the Credit Card Section.
  • Select your payment option: minimum, outstanding, or other.
  • Follow the instructions to complete the process.

How to Pay UOB Credit Card Bill

  • Log in to UOB Internet Banking.
  • Select the credit card payment option.
  • Follow the instructions to pay your balance.

How to Pay OCBC Credit Card Bill

  • Log in to OCBC’s internet banking service.
  • Choose bill payment and set up the details.
  • Review the information and pay.

Tips For Paying My Credit Card Bill On Time

No matter how you choose to pay your credit card bill, it’s essential to make timely disbursements. If you’re struggling to keep up with your payments, the tips below will help you stay on track:

  • Set up reminders: Whether it’s a reminder on your phone or a calendar entry, setting up a reminder will help you remember to make your payment each month.
  • Make it automatic: If you can, set up automatic payments from your checking account. This way, you’ll never have to worry about forgetting to make a payment.
  • Pay more than the minimum: If you’re only making the minimum payment each month, it will take longer to pay off your debt. Try to make a larger payment each month, if possible.
  • Use a rewards credit card: If you’re going to use a credit card, you might as well get something out of it! Look for a credit card that offers rewards or cash back on your purchases. That way, you can earn points or money back while paying off your debt.
  • Monitor your budget: Keep track of your spending to see where your money is going each month. Thus, you can adjust your budget and ensure that you’re not overspending.

Did you know that paying your credit card bill on time each month is vital for maintaining a good credit score? If you’re struggling to make your payments, contact your bank or credit card company to see if they can offer any assistance.

What Happens if I Don’t Pay My Credit Card Bill?


If you don’t pay your credit card bill, you’ll be charged interest on the outstanding balance.

The interest rate will vary depending on your credit card and the issuer, but it’s typically around 2% per month, or rather, 25% per year. It is ridiculously high. You may also be charged a late fee if you don’t make your payment by the due date.

If you continue to miss payments, your account will eventually be sent to collections. This evolution will damage your credit score and may result in legal action.

Ensure that you can afford the payments on your credit card before you get one.

Need additional help? Here’s an in-depth article on how to settle your credit card debt.

If you need quick financial assistance, Lending Bee is always here for you with a range of affordable, personalised loans. We have exactly what you need, from personal to emergency and debt consolidation loans.

Get a quick FREE quote here.


About Lending Bee

In a volatile, uncertain, complex and ambiguous world, you can count on one thing – your partner in credit, Lending Bee. Just like an industrious bee, we are committed to helping each and every customer access credit – quickly, easily and seamlessly.