For many tenants in Singapore, rent is the largest recurring expense. With monthly payments easily ranging between $1,500 and $6,000, it’s natural to ask:
“Can I pay rent with a credit card in Singapore and earn rewards from it?”
The short answer is yes. And not only is it possible — it can be an extremely rewarding strategy when done correctly. Thanks to modern rent payment platforms and bank-operated services, tenants can now turn their biggest monthly bill into air miles, cashback, and flexible rewards.
In this guide, you’ll learn exactly how to pay rent with a credit card in Singapore, the fees involved, the best cards to use, and how to maximise the value of every rent payment. We’ll also explain why tenants who pay rent with Rently can earn double rewards from the same transaction.
Can You Pay Rent with a Credit Card in Singapore?
Most landlords in Singapore still don’t accept credit cards directly. They prefer PayNow, bank transfers, or GIRO, which are simple and free. Credit card terminals are uncommon among individual landlords, and few will absorb the associated processing fees.
This means that if you want to use your credit card for rent, you need an intermediary — a platform that charges your card, then pays your landlord via bank transfer. These services have existed for years but have become more mainstream as tenants increasingly look to earn miles, cashback, and sign-up bonuses.
Today, tenants can pay rent with a credit card in Singapore using:
1. Third-party rent payment platforms
Such as Rently, CardUp, ipaymy, and RentHero. These platforms charge your credit card and forward the rent to your landlord through a normal bank transfer.
2. Bank-operated payment facilities
Such as Citi PayAll and Standard Chartered EasyBill. These let tenants charge certain bills — including rent — directly through the bank’s app.
Both methods involve fees. Whether those fees are worthwhile depends on two factors: your credit card rewards strategy and how effectively you redeem the miles or points you earn.
How Third-Party Rent Payment Platforms Work
Platforms like Rently, CardUp, and ipaymy work by placing themselves between your credit card and your landlord. You set up the rent amount, add your landlord’s bank details, and schedule your payment. The platform charges your credit card and sends the corresponding amount to your landlord.
Nothing changes on your landlord’s side — they receive the rent as a standard bank transfer.
These platforms typically charge between 1.75% and 2.6%, depending on card type and promotions. In exchange, tenants receive miles, cashback, or points from their credit card issuer.
For years, this was the entire experience: pay rent, earn your card’s rewards, pay a fee.
Why Paying Rent with Rently Offers More Value
While Rently operates similarly to other platforms, it introduces two major features that give tenants more control and more value: double rewards and lower-fee eGIRO.
1. Pay rent with Rently using your credit card and earn double rewards
Rently is the only platform in Singapore that lets tenants earn two reward currencies at the same time:
Your credit card miles or points, and
Max Miles, a flexible rewards currency that converts 1:1 into 30+ top airline and hotel programmes
This means one rent payment earns:
KrisFlyer miles (if your card supports it), and
Max Miles that can be transferred to carriers like Qatar, Qantas, United, or hotel chains like Hyatt and IHG
No other rent payment platform in Singapore offers this kind of stacked rewards model.
2. Or pay rent with Rently via eGIRO for lower fees
Rently is also the only platform in this category that offers eGIRO, a bank-to-bank automated payment option with lower fees than credit card payments.
This gives tenants flexibility every month:
Want maximum miles? Pay by credit card.
Want minimum fees? Switch to eGIRO.
Other platforms only support credit card payments, meaning tenants must always pay the higher fee.
Bank-Operated Credit Card Payment Facilities
Banks such as Citibank, Standard Chartered, UOB, and DBS offer bill payment services that let tenants charge rent to their credit card through the bank’s app.
These tools are convenient, and banks often run targeted promotions on fees or bonus miles. However, bank facilities come with important limitations:
You earn only your bank card’s rewards
There is no extra rewards layer like Max Miles
You cannot choose lower-fee eGIRO
You are locked into one bank’s ecosystem
You cannot switch between different credit cards for optimisation
They work well for simplicity, but for rewards maximisation, third-party platforms generally offer better flexibility.
Are the Fees Worth It? How to Evaluate Value When Paying Rent by Credit Card
Every credit card rent payment comes with a fee, so the key question is whether the rewards justify it.
Here’s a straightforward example:
Rent: $2,500
Fee: 2% → $50
Card earn rate: 1.2 miles per dollar
Miles earned: 3,000 miles
Approximate value of miles (~1.5 cents each): $45
At face value, you’re almost breaking even.
But when you pay rent with Rently, you earn additional Max Miles, which often pushes the total rewards value well above the fee.
Credit card rent payments become especially valuable when:
You’re hitting a card sign-up bonus
You’re aiming for annual spend tiers
You want to quickly accumulate miles for a big redemption (e.g., business class)
You want flexible points you can redeem across airlines and hotels
When used strategically, the rewards can easily outweigh the cost.
The Best Credit Cards for Paying Rent in Singapore
The ideal credit card for rent payments depends on your reward preferences, but most tenants find that miles cards offer the highest value.
Strong candidates usually offer:
1.2–1.6 miles per dollar on local spend
Clear eligibility for third-party payment platforms
Attractive sign-up bonuses
Access to multiple airline transfer partners
Cashback cards can work, but many exclude MCC categories used by rent payment platforms — so check the latest T&Cs.
For many tenants, the real power lies in using rent to meet minimum spend thresholds during the first few months after a card application. The bonus miles earned often dwarf the processing fees.
Why Paying Rent With Rently Is a Smart Travel Rewards Strategy
Paying rent with a credit card typically gives tenants one rewards currency. Paying rent with Rently gives tenants two, which opens the door to far more redemption possibilities.
Max Miles act as a flexible global currency. Because they transfer 1:1 into more than 30 airline and hotel partners, they enable tenants to:
Redeem business and first-class flights
Access award chart sweet spots unavailable in Singapore-based programmes
Book high-value hotel stays
Avoid being locked into a single airline
Hedge against programme devaluations
Tenants effectively build a portfolio of travel rewards, not just a single points balance.
How to Maximise Rewards When Paying Rent
To make your rent work harder for you, follow a simple strategy:
Choose a strong miles card that earns on payment platforms
Use rent payments to hit sign-up bonuses
Pay rent with Rently via credit card if you want to maximise rewards
Pay rent with Rently via eGIRO if you want to minimise fees
Always pay your card bill in full to avoid interest costs
This approach ensures you optimise rewards while maintaining healthy financial habits.
Step-by-Step: How to Pay Rent With Rently
Create your account on rently.sg
Upload your signed tenancy agrement and landlord’s bank details
Select your preferred payment method (credit card or eGIRO)
Review the fee and payout amount
Confirm your payment
Pay rent on time and conveniently every month, and watch the rewards roll in!
In just a few steps, your rent becomes a monthly opportunity to earn rewards.
Who Benefits Most from Paying Rent with a Credit Card?
Tenants who stand to gain the most include:
Frequent travellers
High-income professionals and expats
Anyone collecting miles for premium flights
Tenants optimising card rewards
Those chasing sign-up bonuses or annual spend tiers
If you value flexibility and premium travel experiences, card-based rent payments — especially through Rently — can deliver exceptional value.
Conclusion: Turning Rent Into Rewards in Singapore
Paying rent with a credit card in Singapore has evolved from a niche miles-hacking move into a mainstream rewards strategy. Whether you choose a bank facility or a third-party platform, you can now earn meaningful rewards from your largest monthly expense.
But for tenants who want both maximum rewards and payment flexibility, paying rent with Rently stands out:
Credit card rewards + Max Miles (double rewards)
eGIRO for lower fees
Access to 30+ global airline and hotel partners
Secure, automated rent payments that keep your landlord happy
If you’re already spending thousands on rent each month, it makes sense to let that money work harder for you.
Start Earning Rewards on Your Rent Today
By choosing to pay rent with Rently, tenants can:
Earn miles or points on their preferred credit card
Collect Max Miles for premium global travel
Automate monthly payments with credit card or eGIRO
Turn rent into a steady source of rewards
