How to best maximise PayNow payments?

If they are using netsflash pay, top up a nets flashpay card at a MRT ez link top up station with your grabpay card

I personally used a lot of the running credit cards and even other payment modes when I paid by utility bills via https://www.spdigital.sg/spapp/bill-payment

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you can check the same out too, i have been saving since a while and the payments are also processed way faster!

Recommend to use singtel dash for qr payment, gain points to redeem voucher. while google pay for paynow payment, ocassionaly get cashback although very litte (<$0.50)

Choose to use Google pay as you might get cashback (Sometimes*)