This Versus That

SIM Only Plans (2019) – Singtel vs M1 vs StarHub vs Circles Life vs MyRepublic vs Zero Mobile vs Zero 1

sim only plans singapore singtel m1 circles life myrepublic hd

Joanne Poh



The three big telcos have long been a source of angst for Singaporeans, who complain about slow internet and exorbitant excess data usage charges.

Then Circles.Life and MyRepublic came along, and now it seems like we have a way out of overpriced mobile data plans!

What’s more, you’d no longer have to commit for 2 years and be obligated to wait for re-contract discounts on your new handset. Savings on SIM-only plans’ make up for having to pay the full price for a new mobile phone. Another huge draw is that they bundle more data.

Cowed by the competition, Singapore telcos have started offering SIM Only plans as well with more attractive add-ons. For instance, Starhub just announced new “extra large” data bundles for its SIM Only plans on 5 December 2018.

New virtual telcos have also joined the fray since, such as Zero 1 and Zero Mobile (yes, they’re different). Soon, TPG Telecom will also enter the scene. So how do these different SIM Only Plans compare with each other?


Cheapest SIM Only plans from Singapore telcos (2019)

Swipe left to see all 4 plans

Plan Circles. Life Base Plan Singtel SIM Only M1 mySIM 20 Starhub $25 SIM Only
Price $28 $20 $20 $25
Data 6 GB 5 GB 5 GB 13 GB*
Talk-time 100 min 150 min 100 min 100 min
Incoming calls $2/month Free Free Free
Caller ID Free $5.35/month $5.35/month Free
SMS $0.05 per SMS Free 500 SMSes Free 100 SMSes $0.0535 per SMS
Contract No contract 12 months 12 months No contract

*For the first 10,000 customers only. Promotion started from 5 December 2018.


Circles Life SIM Only Plans

Circles.Life plans were the first no-contract phone plans in Singapore’s market.

The most popular Circles plan is the Base Plan with 20GB add-on. It offers 26GB at only $48 per month, which was unheard of when it was first launched.

Without the add-on, the base plan costs $28 per month, offering 6GB of data, 100 minutes of free talktime, free caller ID and pay-as-you-go SMSes.

Circles.Life also has a Flexi Plan, which literally costs nothing and offers 1 GB of data, 30 minutes of talktime, free caller ID and 10 SMS. You can build on the plan by adding on $8 for 1 GB or $12 for 2 GB and 30 minutes of talktime for $5. Great for mindfulness gurus that want to go on a data detox yet stay somewhat contactable, hey?

Circles.Life’s USP is that it is a fully virtual telco, which means that their customer service is 100% online only. Porting your number from any other telco can be done without ever meeting a customer service officer in person. They’re also known for great customer service.

Looking for Circles Life promo codes? You can use 20GBFREEDEC to redeem free 20GB in December for first-time sign-ups only.


Singtel SIM Only Plans

SIM Only 5GB SIM Only 10GB SIM Only 30GB SIM Only 55GB
Price $20 $36.05 $46.75 $73.50

*All plans offer 150 minutes of talktime and 500 SMSes. 

There are 5 types of Singtel SIM Only Plans, which give a lot of flexibility. The cheapest plan costs $20 per month, offering 5GB data, 150 minutes talktime and 500 SMSes.

The rest of the SIM Only plans all offer the same amount of talktime and SMSes, so the prices are purely pegged to the amount of data.

There is only 1 no-contract plan from Singtel which costs $20 per month but it only offers 3GB of data with no free talktime and SMSes. If you really want something like this, building on Circles.Life’s Flexi Plan is more bang for buck ($12 per month for 1GB+2GB).

The other 4 Singtel SIM Only Plans require you to commit for 12 months.


M1 SIM Only Plans

mySIM 20 mySIM 40 mySIM 50 mySIM 98
Price $20 per month $40 per month $50 per month $98 per month
No contract 3 GB 10 GB 15 GB 25 GB
12 months contract 5 GB 15 GB 30 GB Unlimited

*All plans offer 100 minutes of talktime, 100 SMSes, and unlimited calls to 3 M1 numbers.

All SIM Only Plans come with free 100 minutes of talktime, 100 SMSes and unlimited calls to 3 M1 numbers. You can also take your data overseas with the M1 Data Passport.

As can be seen from the table above, there is significantly more data for 12-month contract plans than no-contract ones.

M1 generously rewards you for loyalty, to the point where their no-contract plans pale in comparison to Circles.Life’s. You can get 26GB of data for $48 with Circles, but $50 only gets you 15GB on a no-contract plan with M1.

If you don’t mind being tied down for 12 months though, you can get potentially UNLIMITED data with the M1 mySIM 98 ($98 per month), which is quite something.


Starhub SIM Only Plans

$25 SIM Only $50 SIM Only $80 SIM Only
Price $25 per month $50 per month $80 per month
No contract 3 GB 30 GB 60 GB
No contract (Dec 2018) 13 GB 40 GB 70 GB
Talktime 100 minutes 300 minutes 500 minutes

*All plans come with free incoming calls, caller ID and international roaming. 

Starhub has recently revamped their SIM Only plans, doing away with all activation charges and contracts for their SIM Only plans.

From 6 December 2018, the first 10,000 customers get free 10GB every month on their new plans for a year. Chiong ah!

What’s more, the plans come with free incoming calls, caller ID and international roaming. You can also add 500 SMSes at $3 a month.

While the new plans bundle more data overall, you’d have to top up $6 a month to enjoy unlimited data on the weekends, which brings your bill to $31 a month on the $25 SIM Only plan.

This is more expensive than the previous SIM Only XS plan, which costed $24 a month for 3GB of data and unlimited data on weekends.

Nonetheless, Starhub’s $50 and $80 plans are very attractive if you don’t want a contract and require more than 26 GB a month.


MyRepublic SIM Only Plans

Smart 35 Mega 55 Xtra 85
Price $35 per month $55 per month $85 per month
No contract 9 GB 18 GB 30 GB
No contract plan for broadband customers 12 GB 26 GB 38 GB

All MyRepublic SIM Only plans come with 1000 minutes talktime, 1000 SMSes, free incoming calls, SMSes and caller ID.

This makes the Smart 35 plan a strong contender to Circles.Life’s base plan for people who need a lot of talktime, like salespeople or freelance telemarketers, if there’s such a thing.

But the $85/month Xtra 85 for 30 GB (38 GB if you’re a broadband customer) is just simply ridiculous.

If you’re gonna pay more than $80 a month, go for Starhub’s $80 SIM Only plan instead, which gives you 60 GB, twice of what MyRepublic is offering.


Zero Mobile SIM Only Plan

Zero Mobile, not to be confused with Zero 1, was launched in December 2017. Headquartered in Australia, it offers a no-contract plan at $69.95 per month (ongoing promotion at $59.95 per month) that offers unlimited “Superfast 4G” data, unlimited local calls and 200 local SMSes. There’s also free number porting and free caller ID.

Sounds too good to be true? Yeah, we think so too. They did add a disclaimer that “unlimited” data and calls must follow fair usage policy. This means, basically, not “unlimited” lah:

  • “Unlimited” talktime: not over 5,000 minutes in a month or 200 minutes in a 24 hour period
  • “Unlimited” SMS: not over 5,000 SMS in a month or 200 SMS in a 24 hour period
  • “Unlimited” data: Personal use only. No tethering.

Aside to that, there’s a whole host of one-time charges, such as sign-up fee ($18), SIM card fee ($20), minimum charges ($107.95) that add up to be quite a lot of money!

Zero Mobile reviews seem to allude that their customer service isn’t that great, so use at your own risk.


Zero 1 unlimited SIM-only plans

1GB to Unlimited 3GB to Unlimited 9GB to Unlimited
Price $13.90 per month $29.99 per month $39.90 per month
No contract 1 GB 3 GB 9 GB
Talktime 200 minutes 200 minutes 450 minutes
SMS 200 free 200 free 450 free

Zero 1 is the third virtual telco following Circles Life and Zero Mobile. They launched unlimited plans in March 2018.

Apparently, you get 4G speeds on the first GBs that you pay for, and managed SLOW network speeds thereafter…

How bad are these “managed network speeds” though? Well, if you just need to play Spotify, read Reddit, or watch Youtube at 240p, the “managed network speeds” suffice. But using Facebook or Instagram won’t not be a smooth experience.

From $13.90/month (ongoing promotion at $9.90/month), Zero 1’s unlimited data prices are dirt cheap. Ironically though, their “unlimited” data plans only suit people who don’t use much high-speed data.

Downsides are that there is no app to check your data usage unlike Circles Life and the big 3 telcos, and the customer service is apparently not that great as well.


TPG Telecom Singapore SIM Only Plan

As if we don’t have enough telcos in Singapore’s market.

TPG Telecom, Australia’s 2nd largest fixed telco is going to launch soon in Singapore. We’ve yet to hear what their SIM Only Plans will be like, but you can register interest at TPG Telecom’s website to get the latest updates.

Let’s hope that more competition will actually help to drive prices down, at least!


So, which is the best SIM-only plan?

So how do you know which plan to sign up for? Here’s a quick guide:

If you don’t want to commit to a long-term plan: Circles.Life, MyRepublic or Starhub

Singtel and M1 are still quite traditional in the sense that their plans reward their customers who commit to the plans for at least 12 months. But if you want that flexibility of a no-contract plan, you should go for Circles Life, MyRepublic or Starhub.

If you don’t need much talktime: Circles.Life

Circles Life obviously understands the phone-phobic millennial generation. It doesn’t offer free incoming calls, although you can add-on at $2 per month if needed. There’s free caller ID so you can always know who’s trying to bug you before deliberately missing the call. To make up for that, there’s unlimited WhatsApp so you can text instead. Wonderful.

If you need a helluva lot of talktime: MyRepublic or M1

MyRepublic plans offer 1000 minutes of talktime, which is A LOT. If that is still not enough, you can add on $15 with M1’s plans to get unlimited talktime.

If you are the last person on earth who uses SMS: Singtel

So you only open the Messages app to get your OTPs. Same here.

Choose Singtel SIM Only (12 month), cos it looks similar to M1’s mySIM 20 but offers more talktime and more SMSes. You get 1GB less data than Circles.Life, but you also pay $8 less and get free incoming calls and 500 SMSes.

If you need a lot of data: Singtel, Starhub or M1

With Singtel’s SIM Only 30GB you commit to 12 months and pay $46.75, as opposed to Circles.Life’s 26 GB for $48. That doesn’t make much of a difference, but note that with Singtel you also get SMSes and free incoming calls.

For a couple of bucks more you can upgrade to the StarHub $50 SIM Only plan, which offers 40GB.

But if you just want the MOST data you can ever get on a SIM Only Plan, then mySIM 98 is a good plan, offering literally unlimited data at $98 a month… and not the “managed networks” variety.

What data plan are you using right now and are you satisfied with it? Tell us in the comments!


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Joanne Poh

In my previous life, I was a property lawyer who spent most of my time struggling to get out of bed or stuck in peak hour traffic. These days, as a freelance commercial writer, I work in bed, on the beach, in parks and at cafes, all while being really frugal. I like helping other people save money so they can stop living lives they don't like.