Best SIM-Only Mobile Plans In Singapore (2026)
Updated: 6 Oct 2026
Written bySingSaver Team
Team
The information on this page about the best SIM-only mobile plans in Singapore 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.
With Singapore’s 5G network now covering over 99% of the island and data usage increasing due to AI-integrated apps and 8K streaming, choosing the right mobile plan is more important than ever. The days of counting megabytes are over. Today, it’s about finding the best SIM-only mobile plan for reliable internet access, suitable data allowances and regional roaming benefits.
If you’re looking for the cheapest SIM-only plans in Singapore or the best SIM-only mobile plans to fit your lifestyle, you may also want to know which credit cards can earn rewards on telco bills. We’ve crunched the numbers for May 2026 to help you compare your options.
Note: SIM-only mobile plans and promotions are subject to change without prior notice.
Best SIM-Only Plans In Singapore: Compare Your Options
Use these sections to compare the best SIM-only mobile plans based on your data needs:
What is a SIM-only plan?
A SIM-only plan offers a package of data, talk time and SMSes at a fixed monthly cost.
SIM-only plans are postpaid plans and function much like traditional mobile phone contracts. The main difference, however, is that you are not locked into a minimum contract period, and you are free to switch telcos or mobile plans as and when you wish without a contract termination penalty.
If you're comparing SIM-only plans in Singapore, check whether the plan includes a physical SIM or eSIM, and review any activation fees, usage limits or other conditions before signing up.
Which is the best SIM-only plan?
The best SIM-only plan in Singapore really depends on how much data you need. Check your previous telco bills or the data-tracking app on your handset to see how much data you use on average each month. Also, keep in mind how much talk time and SMS you use before picking the most suitable SIM-only plan for your needs.
Rather than choosing a plan based on its headline data allowance alone, compare the monthly price, network coverage, 4G or 5G access, roaming benefits and any speed restrictions when evaluating the best SIM-only mobile plans in Singapore. A plan with more data may not offer the best value if you rarely use it.
Which is the cheapest SIM-only mobile plan?
With an increasing number of providers competing for market share, prices have become an important factor for consumers. You can find cheap SIM-only mobile plans in Singapore starting from under S$10 per month across various providers such as GOMO, VIVIFI and Zero1. However, some low-cost plans may be limited to 4G networks or offer restricted 5G access, so check the terms before choosing one based on price alone.
In terms of cost and data allowance, one entry-level option highlighted in this comparison is Zero1.
Zero1 - Starter Prime (4G) (Singtel Network)
-
Data: 200GB
-
Talk time: 300 mins
-
SMS: 100
-
Roaming: 100GB Roam Malaysia (365 Days) + 3GB RoamA (Selected APAC)
-
Bonus: 5G trial (3 months) FREE
-
Extras: Free caller ID, free incoming calls/SMS
-
Monthly price: S$7.06
When comparing the cheapest SIM-only plans in Singapore, look beyond the monthly fee. Check whether the advertised price is promotional, how long the promotion lasts, which network the plan uses and whether roaming data or 5G access is subject to additional conditions.
What Is An MVNO?
Mobile virtual network operators (MVNOs) "rent" bandwidth and access to network services from established network operators such as Singtel, M1 and StarHub at wholesale rates. They then set their own retail prices and packages, balancing download speeds with data bundles and other benefits.
MVNOs in Singapore can be worth considering if you're looking for affordable SIM-only plans. However, the actual experience depends on the provider's plan conditions, the underlying network and any speed or usage restrictions.
As of May 2026, the article's original list describes a consolidated MVNO landscape. Following what the article identifies as IMDA's 2026 quality-of-service standards, several smaller players have exited, while others have expanded their SIM-only deals.
MVNOs Under Singtel
GOMO, Heya, CMLink SG, VIVIFI, Zero1, ZYM Mobile
MVNOs Under StarHub
giga!, MyRepublic (5G), redONE, eight Telecom (Winner of "Telecom Company of the Year 2026")
MVNOs Under M1
Maxx, Circles.Life, MyRepublic (4G), ZΩH
Note: The original article states that Geenet Mobile and Changi Mobile ceased operations in late 2025/early 2026 and that customers migrated to M1 Maxx. Check these provider-status details before publication.
Best SIM-Only plan for light data users
In 2026, a "light" user is defined by primary social media use and occasional navigation. Because many cheap SIM-only plans now offer large data bundles, even entry-level plans may provide more data than light users need.
|
Telco |
Plan |
Price (Monthly) |
Data |
Talk time |
SMS |
|
Zero1 |
Starter Prime (4G) |
$7.06 |
200GB |
300 mins |
100 |
|
Heclon/eight |
Double Eight |
$8.00 |
388GB |
588 mins |
88 |
|
Circles.Life |
4G Lite (Promo) |
$7.90 |
290GB |
500 mins |
99 |
|
CMLink SG |
200GB 4G Plan |
$10.80 |
200GB |
300 mins |
100 |
Why choose these SIM-only plans? If you spend most of your time on home or office Wi-Fi, these options offer a generous data allowance at a relatively low monthly price. Some plans in this price range, including the listed Zero1 option, also advertise Malaysia roaming benefits for eligible sign-ups.
For light data users, the best SIM-only plan may be the one that keeps monthly costs low while providing enough data for everyday browsing, messaging and navigation. Check the latest terms for roaming allowances, promotional prices and any restrictions.
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Best SIM-only plan for moderate data users
Moderate users are the "Netflix-on-the-MRT" crowd. You likely use your phone for HD streaming or as a frequent hotspot. These plans may suit users who need more data for entertainment, work and regular travel.
|
Telco |
Plan |
Price (Monthly) |
Data |
Talk time |
SMS |
|
SIMBA |
SuperRoam 10 (5G) |
$10.00 |
500GB |
Unlimited |
100 |
|
GOMO |
5G+ Value |
$10.00 |
400GB |
800 mins |
800 |
|
hi! by Singtel |
Best value for 5G |
$15.00 |
500GB 5G+ |
Unlimited |
Unlimited |
|
MyRepublic |
5G Best Value |
$17.95 |
550GB |
1,200 mins |
1,200 |
GOMO 5G+ Value also includes 400GB roaming in Malaysia, Indonesia, Taiwan, Thailand and Australia, plus 28GB Asia roaming and 10GB worldwide roaming.
Why choose these SIM-only plans? This tier offers larger data bundles for people who stream video, use their phones as hotspots or need more connectivity while travelling. Some plans advertise 5G Standalone (SA) access, but the available network features and speeds depend on the plan, device and coverage.
SIMBA is highlighted in the original comparison for offering 500GB for a flat $10, including 10GB of roaming data for more than 15 APAC destinations.
When comparing the best SIM-only plans for moderate data users, check whether the listed roaming allowance applies across all destinations or is divided between separate roaming zones. Also review whether data is subject to fair-use policies or speed limits.
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Best SIM-only plan for heavy data users
For power users, gamers and "cord-cutters", a plan with a very large data allowance may be more suitable. Some providers advertise 1TB (1,024GB) plans as effectively unlimited for many users, but a 1TB allowance is not the same as unlimited data. Always check the fair-use policy and what happens after you reach your allowance.
|
Telco |
Plan |
Price (Monthly) |
Data |
Talk time |
SMS |
|
M1 |
Bespoke 5G Max |
$14.95* |
1,024GB |
1,000 mins |
1,000 |
|
giga! |
1TB 5G Plan |
$28.00 |
1TB |
1,500 mins |
1,500 |
|
Singtel |
5G Priority Plus |
$49.50 |
Unlimited |
Unlimited |
Unlimited |
|
Circles.Life |
5G Ultra |
$27.00 |
1TB |
Unlimited |
25 |
M1’s 1,024GB plan includes "Unlimited Weekend Data," making it effectively unlimited for leisure users.
Why choose these SIM-only plans? If you regularly stream video, download large files, play online games or use your phone as a hotspot, a high-data plan may help you avoid running out of data. Singtel's Priority Plus is described in the original article as offering "Priority Network Lanes", intended to maintain speeds during major events or in congested areas.
For sheer value, the original comparison highlights the $14.95 M1 Bespoke Max 1TB plan. Before choosing the best SIM-only plan for heavy data users, confirm the current price, data cap, network prioritisation terms and whether any advertised unlimited allowance is subject to fair-use conditions.
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Factors to consider when choosing a SIM-only plan in 2026
The best SIM-only mobile plans in Singapore balance price, network coverage, data allowances and useful extras. Your ideal plan will depend on how you use your phone, where you travel and how much you want to spend each month.
1. 5G Standalone (SA) vs. Legacy 4G
As of May 2026, 4G is transitioning to a "legacy" network. While it’s cheaper, 5G SA offers significantly lower latency. Ensure your "cheap" plan isn't a 4G-only legacy plan if you value smooth video calls and cloud gaming. Not all 5G SIM-only plans in Singapore offer the same network features, so check whether 5G SA is supported by both the plan and your device.
2. Global & Regional Roaming
Roaming has been standardized. Most sim cards now bundle 10GB to 18GB of APAC roaming (Malaysia, Indonesia, Thailand, etc.) at no extra cost. Always check the roaming list before buying a separate travel SIM.
For travellers, SIM-only plans with roaming can be a convenient option, particularly if the included destinations match where you regularly go. Check the country list and data allowance before deciding whether a separate travel SIM is necessary.
3. Economic Context: Inflation & Rates
The MAS April 2026 report projects Core Inflation at 1.5%–2.5%. While telco prices have risen slightly (approx. 1–2) due to higher operating costs, SIM-only plans remain the most effective way to hedge against inflation compared to high-cost handset contracts.
Cheap SIM-only mobile plans can help keep recurring mobile costs manageable. Still, factor in monthly plan fees, device payments and any early termination penalties before switching, as not every SIM-only plan will necessarily cost less overall.
4. IMDA Compliance: 2G & VoLTE
Following the IMDA March 2026 mandate, all phones must disable 2G by default. Furthermore, VoLTE is now the mandatory standard for all voice calls. If you use an older or imported device, ensure it supports VoLTE to avoid losing voice functionality.
Before signing up for a SIM-only plan, check that your phone supports the network technology and calling features required by your chosen telco. This is particularly important if you use an older or imported device.
Best credit cards for telco bills
While telco bills are a monthly recurring spend, most credit cards exclude telco bill payments.
Thankfully, there are a select few that still consider telco bills as eligible spending, which are generally classified under MCC 4812 and MCC 4814.
However, one caveat is that recurring bill payments aren't considered online transactions. So, unless your card considers telco bills as one of the eligible categories, you won't be able to earn cashback or miles if your card only recognises online transactions.
But you can still earn credit card rewards from your bill payments by making manual payments each month. Yes, it's a hassle, but it ensures that your spending won't go to waste!
Best credit cards for telco bills
With that said, below are the best credit cards to use for your telco bills:
Product | Card benefit | Notes | 🔥 Hot Reward Pick |
|---|---|---|---|
1 - 10 points / dollar | Recurring telco payments aren’t considered online spend, but you can bypass this by pairing it with the amaze card, which converts all offline transactions online. No minimum spend. Bonus points capped at first S$1,000 per statement month. | S$400 Cash via PayNow | |
 | 1 - 5 DBS points / dollar | Pay directly online or on the app every month, as recurring bill payments aren’t eligible. Bonus rate spend cap at first S$2,000 per calendar month. | - |
 | 0.22 - 8 % cashback | S$800 monthly minimum spend, otherwise 0.4% cashback. 3-year annual fee waiver. | - |
0.3 - 10 % cashback | Pay directly online or via mobile contactless through kiosks or physical stores, as recurring bill payments aren’t eligible. S$600 monthly minimum spend, otherwise 0.3% cashback. | S$400 Cash via PayNow | |
 | 0.3 - 9.25 % cashback | Pay directly online or via mobile contactless through kiosks or physical stores, as recurring bill payments aren’t eligible. S$600 monthly minimum spend, otherwise 0.3% cashback. | - |
3.33 - 10 % cashback | Monthly minimum spend of S500,S1,000, or S$2,000 for three consecutive months per quarter. | S$400 Cash via PayNow | |
6 % cashback | Cashback on recurring telco bills. S$800 monthly minimum spend. | S$300 Cash + S$100 Grab Voucher | |
0.5 - 18 % cashback | Only for Singtel customers. Pay at Singtel self-serve kiosks, as recurring bill payments aren’t eligible. S$600 monthly minimum spend, otherwise 0.5% cashback. | S$320 Cash via PayNow |
Conclusion
With so many SIM-only mobile plans in Singapore to choose from now, the days of being locked into a contract is now a thing of the past. When choosing a SIM-only plan, consider how much data, talk time and SMS you really need before making the switch.
The best SIM-only mobile plan for you will depend on your budget, usage habits and network needs. Look at the data allowance, roaming benefits and monthly fee together to find a plan that suits your needs.
If you're switching from a fixed contract to SIM-only, take note of any early termination penalties. Generally, the earlier you terminate the fixed contract, the heavier the penalty, so calculate if what you're saving by switching is enough to cover that amount. For example, if your early termination penalty is S$200, and you're 6 months away from the penalty-free period, your new SIM only plan should be at least S$33.40 cheaper per month (S$200 divided by 6) than your existing contract plan.
Check the full cost of switching, including SIM-only plan prices and any early termination penalty, to see whether the potential savings make financial sense.
For more comparisons and mobile-related tips, explore the SingSaver Telco guide.
Frequently asked questions
Switching to one of the best SIM-only mobile plans in Singapore could lower your monthly mobile costs, especially if you're paying for a postpaid plan bundled with a phone. The amount you save depends on the plan prices, data allowances and any device payments or early termination fees.
Let's compare Singtel's SIM Only Plus 55 and Singtel Pro post-paid plans. Both offer a similar amount of data (200GB vs 230GB) and provide the customer with 5G access
The SIM Only Plus plan is priced at S$55 per month, or S$660 yearly, while the Phone Plan Pro Plus plan is priced at S$178 per month, or S$2,136 yearly.
That's about S$123 savings per month or S$1,476 savings per year! Unless you are interested in buying or upgrading to a new phone, the SIM-only plan clearly wins hands-down in terms of savings.
Even if you require a new phone, you could probably buy one that is cheaper directly from Apple or Samsung. Plus, you could probably earn Cashback or Miles from that direct purchase.
Remember, you may not be rewarded for paying your handphone bill with your credit card.
If you do wish to compare your existing post-paid plan with the many SIM-only plans available in the market, remember to compare it with one that has similar offerings in terms of data, talk time, calls, and features.
The amount of mobile data you need depends on how you use your phone. The best SIM-only plan for light data users may cover everyday browsing and messaging, while moderate or heavy data users may need a larger allowance for streaming, hotspots and video calls.
According to the latest available figures, Singapore's average monthly mobile data usage reached 103 petabytes in Q4 2025, up from around 97 petabytes in Q4 2024. You can refer to IMDA's telecommunications statistics for official industry data. The latest figures are also reported by Statista.
The best gauge is to check your recent telco bills to see how much data you use on average each month. To save on data, you can also connect to Wi-Fi networks wherever possible or download music and video content over Wi-Fi to enjoy offline.
If you spend a lot of time playing mobile games, streaming music on Spotify or watching films on Netflix, or making real-time video calls, your data consumption may be higher. The best gauge is to check your recent telco bills or your phone's data-tracking settings to find your average monthly usage.
To save on data, connect to trusted Wi-Fi networks where possible or download music and video content over Wi-Fi for offline use.
Choosing a SIM-only plan with a data allowance that matches your usage can help you avoid paying for more data than you need. If you regularly use Wi-Fi and rarely approach your current data limit, a plan with a smaller allowance may be sufficient. If you often stream videos or use your phone as a hotspot, a higher-data plan may be a better fit.
When a mobile plan promises 'unlimited data', check the fine print. It may state something like, 'first 3GB of data at 4G speed, managed network speeds thereafter'. This means you can enjoy faster speeds for the first 3GB, but your connection may slow down once you reach that limit.
For SIM-only plans with unlimited data, pay attention to the full-speed data allowance and the speeds available after you exceed it. These details can help you compare SIM-only plans in Singapore and find one that suits your browsing, streaming and hotspot needs without paying for more than you need.
The best SIM-only mobile plans in Singapore depend on your budget and how you use your phone. Consider the monthly price, data allowance, network coverage, 4G or 5G access, call and SMS allowances, and any additional benefits.
A cheaper plan may be enough if you mainly use your phone for messaging and browsing. If you stream frequently, use your phone as a hotspot or travel regularly, a plan with a larger data allowance or roaming benefits may be more suitable.
Yes, some providers offer no-contract SIM-only plans, giving you more flexibility to change providers or plans without committing to a long-term mobile contract. However, terms can vary, and a plan may still have notice periods, activation fees or other conditions.
Check the provider's terms before signing up, particularly if you're switching from a post-paid contract that may charge an early termination fee.
5G SIM-only plans in Singapore may be worth considering if you want faster mobile data and your phone supports the relevant 5G network. However, the experience you get also depends on coverage in the places you use your phone, network conditions and the features included in your plan.
If you mainly browse websites, send messages and use Wi-Fi at home or work, a less expensive plan may meet your needs. Check your device compatibility and the provider's coverage before paying extra for 5G access.
Some SIM-only plans with roaming include a set amount of overseas data, while others require you to purchase a roaming add-on. The countries covered, data allowance, validity period and charges vary by provider and plan.
Check the roaming terms before travelling to make sure your destination is covered and the included data will be sufficient. If you travel infrequently, paying for roaming only when needed may be more suitable than choosing a plan with benefits you rarely use.
About the author
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.
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