facebookComplete iPhone 13 Telco Price vs SIM-Only Price Comparison (2021)
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180921 iPhone 13 Telco Price Singapore

Complete iPhone 13 Telco Price vs SIM-Only Price Comparison (2021)

profileJoel Koh

If you are looking to get an iPhone 13 series phone.

Source: Apple

You are in the right place.

We will be comparing the cost of getting an iPhone 13 Mini, iPhone 13, iPhone 13 Pro and the iPhone 13 Pro Max from our local telcos with a two year plan, and getting it directly from Apple Inc (NASDAQ: AAPL) with a SIM-Only plan.

As far as possible, we are comparing the plans with a similar amount of mobile data as the main criteria.

At the time of writing (18 September 2021), you can now pre-order the iPhone 13 directly from Apple or from all the telcos listed here.

The phones will be officially launched in Singapore on 24 September 2021.

With that said, let’s jump right into the comparison!

Do note that the information is accurate as of 18 September 2021. Prices are subject to change without prior notice.


TL;DR: Ultimate iPhone 13 Telco Price vs iPhone 13 SIM-Only Price Comparison

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleCircles.Life PlanM1 Base PlanSingtel XO 68 + 5GStarHub Mobile+ $65
PhoneiPhone 13 mini (128GB)
Upfront Cost$1,149$1,149$560$428$449
Monthly Subsciption$20.00$18/month (port-in)
$28/month (new line)
$50.95$68$65
Total Cost (24 Months)$1,629$1,581$1,782.80$2,060$2,009
Contract LengthNo ContractNo Contract*24 Months
Data40GB20GB
(Unlimited data for first month)
20GB30GB30GB
Talktime500 mins100 mins
(Unlimited talk time for first month)
200 mins300 mins200 mins
SMS500 SMS25 SMS200 SMS300 SMS200 SMS
Caller IDFreeFreeFree for 3 months for new sign-ups

Free for 6 months for port-in
$5.35/month +
$10.70 activation fee
$5/month
5GNot included (available as add-on for $10 a month)**Not included (available as add-on for $7 a month)Yes
(free for 3 months)
Included
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Free SIM Card & registration, Unlimited WhatsApp, Voice & SMS Roaming

New customers get to enjoy $30 off bill and 3 months of unlimited outbound data with promo code:
LUCKY13
Additional $100 off handset for Bespoke Flexi for existing customers

Free Registration, SIM Card & Delivery
Free 6 months Apple TV
Free 3 months Apple Music
Free 9-months Apple Arcade
Free 12-month iCloud subscription
(Total worth $150)

Plus, get up to $500 OFF your new iPhone and get up to $50 accessories voucher when you sign up for any 3 selected services and and a XO Plus 68 tier plan or higher as a new customer OR upgrade to a XO Plus 88 and above plan as an existing customer:

1) DATA X INFINITY for unlimited data access
2) MobileSwop Unlimited Premium for device protection
3) New Fibre Entertainment Bundle+

Free SIM card and registration
3 months of Apple TV+

Free SIM card and registration

*For Circles.Life’s 24-month iPhone 13 combo plans (with phone), there is no contract as you can terminate the contract anytime without incurring any termination fees. But, do note that the $18 monthly fee you are paying for the plan is a promotional offer for users porting over to Circles.Life. If you sign up for a new line with them, you will have to pay $28 a month. You will also need to continue paying up the remaining amount you owe on the instalment plans for the cost of the phone.

**giga! is offering its customers a 5G Non-Standalone network (NSA) connectivity pack on a four-month trial from 1 September to 31 December 2021. 

Here are your options, click on the links to jump to a section.


Apple iPhone 13 Apple Price + SIM-Only Plan

To compare, SIM-only plans and telco plans, we will be using the Apple store price paired with the cheapest SIM-Only plans and comparing them to the telco plans.

Apple iPhone 13 Price Singapore

Here’s a quick recap of the Apple iPhone 13 lineup’s prices if you buy the phone directly from the online Apple Store:

Also, Apple offers instalment plans with 0% instalments for 12 or 24 months with these banks.

Source: Apple

Cheapest SIM-Only Plans Singapore

To find the most value for money SIM-Only plans, I used our handy dandy SIM-Only Mobile plan comparison tool with some filters for this comparison:

I’ve applied these filters to look for a SIM-Only plan where the majority do not have to worry about data, call time or SMSes.

The giga! plan will be used for the comparison as although it is not the cheapest, it provides quite good value for money.

But do note that you will also have to do without 5G unless you want to pay $10 more per month.

For context, giga! is a StarHub sub-brand mobile virtual network operator (MVNO) that leases StarHub network infrastructure to offer its own mobile services in Singapore

giga! SIM Only Plan

In our books giga!’s SIM-Only 40GB Plan is a pretty good deal.

You even get free Caller ID and get to roll over unused data from your giga! plan for two renewal cycles, capped at 40GB for the 40GB plan at any point in time.

Total Cost

To illustrate the total cost of this approach, we will be buying an iPhone 13 mini (128GB) and subscribing to giga!’s SIM-Only 40GB Plan¬†for 24 months, since most of the telco contracts are about this long.

We are using the iPhone 13 mini (128GB) as it is is the most affordable iPhone 13 lineup phone.

  • Monthly giga! 40GB Plan Subscription Cost (24 Months): $480
  • iPhone 13 mini (128GB) Upfront Cost: $1,149
  • Total Cost of Buying Directly From Apple and SIM-Only Plan: $1,629

Keep this in mind. Now let’s move on to the comparison.

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Circles.Life iPhone 13 Price

First up we have the prices for the Circles.Life’s iPhone 13 lineup plans.

Source: Circles.Life

Circles.Life iPhone 13 Mini and iPhone 13 Combo Plan Price

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From Apple:
iPhone 13 mini (128GB)
Circles.Life:
iPhone 13 mini (128GB)
Circles.Life:
iPhone 13 mini (256GB)
Circles.Life:
iPhone 13 mini (512GB)
Circles.Life:
iPhone 13 (128GB)
Circles.Life:
iPhone 13 (256GB)
Circles.Life:
iPhone 13 (512GB)
Upfront Cost$1,149
$1,149$1,319$1,649$1,299$1,469$1,799
Monthly Subscription Fee$20$18/month (port-in)
$28/month (new line)
Total Cost (24 Months)$1,629$1,581$1,751$2,081$1,731$1,901$2,231
Data40GB20GB
(Unlimited data for first month)
Talktime500 mins100 mins
(Unlimited talk time for first month)
SMS500 SMS25 SMS
Caller IDFreeFree
Contract LengthNo ContractNo Contract*
5GNot included (available as add-on for $10 a month)No (available as add-on for $7 a month)
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Free SIM Card & registration, Unlimited WhatsApp, Voice & SMS Roaming

New customers get to enjoy $30 off bill and 3 months of unlimited outbound data with promo code:
LUCKY13

Circles.Life iPhone 13 Pro and iPhone 13 Pro Max Combo Plan Price

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From Apple:
iPhone 13 Pro (128GB)
Circles.Life: iPhone 13 Pro (128GB)Circles.Life: iPhone 13 Pro (256GB)Circles.Life: iPhone 13 Pro (512GB)Circles.Life: iPhone 13 Pro (1TB)Circles.Life: iPhone 13 Pro Max (128GB)Circles.Life: iPhone 13 Pro Max (256GB)Circles.Life: iPhone 13 Pro Max (512GB)Circles.Life: iPhone 13 Pro Max (1TB)
Upfront Cost$1,649$1,649$1,819$2,149$2,479$1,799$1,969$2,299$2,629
Monthly Subscription Fee$20$18/month (port-in)
$28/month (new line)
Total Cost (24 Months)$2,109$2,081$2,251$2,581$2,911$2,231$2,401$2,731$3,061
Data40GB20GB
(Unlimited data for first month)
Talktime500 mins100 mins
(Unlimited talk time for first month)
SMS500 SMS25 SMS
Caller IDFreeFree
Contract LengthNo ContractNo Contract*
5GNot included (available as add-on for $10 a month)No (available as add-on for $7 a month)
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Free SIM Card & registration, Unlimited WhatsApp, Voice & SMS Roaming

New customers get to enjoy $30 off bill and 3 months of unlimited outbound data with promo code:
LUCKY13

For Circles.Life’s 24-month iPhone 13 plans (with phone), you do not need to sign a contract. This¬†means that you can terminate the contract anytime without incurring any termination fees.

But, you will also need to continue paying up the remaining amount you owe on the instalment plans for the cost of the phone.

Also, do note that the $18 monthly fee you are paying for the plan is a promotional offer for users porting over to Circles.Life.

If you sign up for a new line with Circles.Life, you will have to pay $28 a month.

As such, for Circles.Life iPhone 13 telco plans, you are basically paying for the price of the SIM-Only subscription and the cost of the phone.

When you compare the giga! + buying the iPhone 13 mini directly from Apple approach to the Circles.Life iPhone 13 plan; you’ll find that the Circles.Life approach is still slightly more affordable.

For example, you will be paying $1,629 in total if you bought the iPhone 13 mini directly from Apple and used giga! for 24 months.

With Circles.Life, you will be paying $1,581 in total which means you will be paying $48 less over 24 months compared to the giga! approach.

But, you will be getting half the data and a lot less talk time and SMSes.

Circles.Life Payment

As for payment, you can pay for your Circles.Life plan’s mobile plan fee directly, with your credit card or debit card (Visa, Mastercard or Amex).

However, for the phone itself, you can also pay for it via the Buy Now Pay Later (BNPL) plan offered on Atome, with the total cost of the phone split evenly into three monthly instalments with 0% interest.

You can also choose to take up their 24-months interest-free instalments option with any DBS/POSB credit card or pay for the whole phone upfront.

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iPhone 13 M1 Price

Next, we have the prices for M1’s iPhone 13 lineup mobile plans.

Do note that for the telco plans, we will be doing a complete comparison for the base plans for a more fair comparison as the telcos offer wildly varying price plans.

Source: M1

M1 iPhone 13 Mini and iPhone 13 Plans

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleM1 $50.95
Base plan
$15 Add-on$28 Add-on$40 Add-on$60 Add-on$105 Add-on$185 Add-on
Monthly Subscription Fee$20$50.95$65.95$78.95$90.95$110.95$155.95$235.95
iPhone 13 mini (128GB):
Upfront Cost
Total Cost (24 months)
$1,149
$1,629
$560
$1,782.80
$420$300 $230 $190 $0$0
iPhone 13 mini (256GB):
Upfront Cost
Total Cost (24 months)
$1,319
$1,799
$720
$1,942.80
$580$460 $390$350 $0$0
iPhone 13 mini (512GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$1,020
$2,242.80
$880$760 $690 $630 $110$0
iPhone 13 (128GB):
Upfront Cost
Total Cost (24 months)
$1,299
$1,779
$700
$1,922.80
$560$440 $370 $60$0$0
iPhone 13 (256GB):
Upfront Cost
Total Cost (24 months)
$1,469
$1,949
$850
$2,072.80
$710$590 $520 $210$0$0
iPhone 13 (512GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,150
$2,372.80
$1,010$890 $820 $510$250 $150
Contract LengthNo Contract24 months24 months24 months24 months24 months24 months24 months
Data40GB20GB35GB45GB65GB80GB125GBUnlimited
Talktime500 mins200 mins300 mins300 mins500 mins800 mins1200 minsUnlimited mins
SMS500 SMS200 SMS300 SMS300 SMS500 SMS800 SMS1200 SMS2000 SMS
Caller IDFreeFree for 3 months for new sign-ups

Free for 6 months for port-in
5GNot included (available as add-on for $10 a month)Yes
(free for 3 months)
Yes
(free for 6 months)
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Additional $100 off handset for Bespoke Flexi for existing customers

Free Registration, SIM Card & Delivery

M1 iPhone 13 Pro and iPhone 13 Pro Max Plans

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleM1 $50.95
Base plan
$15 Add-on$28 Add-on$40 Add-on$60 Add-on$105 Add-on$185 Add-on
Monthly Subscription Fee$20$50.95$65.95$78.95$90.95$110.95$155.95$235.95
iPhone 13 Pro (128GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$1,020
$2,242.80
$880$760$690$510$110$0
iPhone 13 Pro (256GB):
Upfront Cost
Total Cost (24 months)
$1,819
$2,299
$1,170
$2,392.80
$1,030$910$840$660$270$170
iPhone 13 Pro (512GB):
Upfront Cost
Total Cost (24 months)
$2,149
$2,629
$1,470
$2,692.80
$1,330$1,210$1,140$970$570$470
iPhone 13 Pro (1TB):
Upfront Cost
Total Cost (24 months)
$2,479
$2,959
$1,770
$2,992.80
$1,630$1,510$1,440$1,260$860$760
iPhone 13 Pro Max (128GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,150
$2,372.80
$1,010$890$820$650$250$150
iPhone 13 Pro Max (256GB):
Upfront Cost
Total Cost (24 months)
$1,969
$2,449
$1,310
$2,532.80
$1,170$1,050$980$800$400$310
iPhone 13 Pro Max (512GB):
Upfront Cost
Total Cost (24 months)
$2,299
$2,779
$1,610
$2,832.80
$1,470$1,350$1,280$1,100$700$600
iPhone 13 Pro Max (1TB):
Upfront Cost
Total Cost (24 months)
$2,629
$3,109
$1,910
$3,132.80
$1,770$1,650$1,580$1,400$1,000$900
Contract LengthNo Contract24 months
Data40GB20GB35GB45GB65GB80GB125GBUnlimited
Talktime500 mins200 mins300 mins300 mins500 mins800 mins1200 minsUnlimited mins
SMS500 SMS200 SMS300 SMS300 SMS500 SMS800 SMS1200 SMS2000 SMS
Caller IDFreeFree for 3 months for new sign-ups

Free for 6 months for port-in
5GNot included (available as add-on for $10 a month)Yes
(free for 3 months)
Yes
(free for 6 months)
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Additional $100 off handset for Bespoke Flexi for existing customers

Free Registration, SIM Card & Delivery

When you compare the giga! + buying the iPhone 13 mini directly from Apple approach to the M1 plans; you’ll find that you will have to pay more, with the difference in price expanding when you move up to the more expensive phone plans.

For example, let’s look at the iPhone 13 mini 128 GB.

For the giga! approach, you will have to pay $1,629 over 24 months.

However, if you opt for the M1 base plan you will have to pay ~$1,923 over 24 months

In total, you will be paying $294 more than the giga! mobile + buy directly from Apple approach for less than half the data, minutes and SMS.

But on balance, you will be getting free 5G for three months if you go with M1.

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iPhone 13 Singtel Price

Next up we have Singtel who have also released information about their iPhone 13 lineup telco plans.

Source: Singtel

We will be looking at Singtel’s XO plans and excluding the more traditional Combo mobile plans with a big emphasis on Talktime as there is a bit of a mismatch for what most Singapore users want in 2021.

Singtel iPhone 13 Mini Plans and iPhone 13 Plans

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleXO Plus 50XO Plus 68XO Plus 88XO Plus 118XO Plus 168
Monthly Subscription Fee$20$50.00$68.00$88.00$118.00$168.00
iPhone 13 mini (128GB):
Upfront Cost
Total Cost (24 months)
$1,149
$1,629
$598$428
$2,060
$258$0S$0
iPhone 13 mini (256GB):
Upfront Cost
Total Cost (24 months)
$1,319
$1,799
$748$588
$2,220
$408$138S$0
iPhone 13 mini (512GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$1,048$888
$2,520
$708$438S$0
iPhone 13 (128GB):
Upfront Cost
Total Cost (24 months)
$1,299
$1,779
$728$568
$2,200
$388$128$0
iPhone 13 (256GB):
Upfront Cost
Total Cost (24 months)
$1,469
$1,949
$888$728
$2,360
$548$278$0
iPhone 13 (512GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,188$1,028
$2,660
$848$578$128
Contract LengthNo Contract24 months
Data40GB10GB30GB60GB80GB120GB + 30GB
Talktime500 mins100 mins300 mins600 mins800 mins1,200 mins
SMS500 SMS100 SMS300 SMS600 SMS800 SMS1200 SMS
Caller IDFreeMonthly fee $5.35
Set-up fee $10.70
5GNot included (available as add-on for $10 a month)$10/month add-onFree
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Free 6 months Apple TV
Free 3 months Apple Music
Free 9-months Apple Arcade
Free 12-month iCloud subscription
(Total worth $150)

Free SIM card and registration
FREE 3 mths of Bookful, MelodyVR and RiotGO

Free 6 months Apple TV
Free 3 months Apple Music
Free 9-months Apple Arcade
Free 12-month iCloud subscription
(Total worth $150)

Plus, get up to $500 OFF your new iPhone and get up to $50 accessories voucher when you sign up for any 3 selected services and and a XO Plus 68 tier plan or higher as a new customer OR upgrade to a XO Plus 88 and above plan as an existing customer:

1) DATA X INFINITY for unlimited data access
2) MobileSwop Unlimited Premium for device protection
3) New Fibre Entertainment Bundle+

Free SIM card and registration

Singtel iPhone 13 Pro Plans and iPhone 13 Pro Max Plans

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleXO Plus 50XO Plus 68XO Plus 88XO Plus 118XO Plus 168
Monthly Subscription Fee$20$50.00$68.00$88.00$118.00$168.00
iPhone 13 Pro (128GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$1,048$888
$2,520
$708$438$0
iPhone 13 Pro (256GB):
Upfront Cost
Total Cost (24 months)
$1,819
$2,299
$1,198$1,038
$2,670
$858$598$148
iPhone 13 Pro (512GB):
Upfront Cost
Total Cost (24 months)
$2,149
$2,629
$1,498$1,338
$2,970
$1,168$898$448
iPhone 13 Pro (1TB):
Upfront Cost
Total Cost (24 months)
$2,479
$2,959
$1,798$1,638
$3,270
$1,468$1,198$748
iPhone 13 Pro Max (128GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,188$1,028
$2,660
$848$578$128
iPhone 13 Pro Max (256GB):
Upfront Cost
Total Cost (24 months)
$1,969
$2,449
$1,338$1,178
$2,810
$998$728$288
iPhone 13 Pro Max (512GB):
Upfront Cost
Total Cost (24 months)
$2,299
$2,779
$1,638$1,478
$3,110
$1,298$1,028$588
iPhone 13 Pro Max (1TB):
Upfront Cost
Total Cost (24 months)
$2,629
$3,109
$1,938$1,778
$3,410
$1,598$1,328$888
Contract LengthNo Contract24 months
Data40GB10GB30GB60GB80GB120GB + 30GB
Talktime500 mins100 mins300 mins600 mins800 mins1,200 mins
SMS500 SMS100 SMS300 SMS600 SMS800 SMS1200 SMS
Caller IDFreeMonthly fee $5.35
Set-up fee $10.70
5GNot included (available as add-on for $10 a month)$10/month add-onFree
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
Free 6 months Apple TV
Free 3 months Apple Music
Free 9-months Apple Arcade
Free 12-month iCloud subscription
(Total worth $150)

Free SIM card and registration
FREE 3 mths of Bookful, MelodyVR and RiotGO

Free 6 months Apple TV
Free 3 months Apple Music
Free 9-months Apple Arcade
Free 12-month iCloud subscription
(Total worth $150)

Plus, get up to $500 OFF your new iPhone and get up to $50 accessories voucher when you sign up for any 3 selected services and and a XO Plus 68 tier plan or higher as a new customer OR upgrade to a XO Plus 88 and above plan as an existing customer:

1) DATA X INFINITY for unlimited data access
2) MobileSwop Unlimited Premium for device protection
3) New Fibre Entertainment Bundle+

Free SIM card and registration

Do note that phone prices are inclusive of the discounts mentioned above.

When you compare the giga! + buying the iPhone 13 mini directly from Apple approach to Singtel’s iPhone 13 plans; you’ll find that you will have to pay more, with the difference in price expanding when you move up to the more expensive phone plans.

For example, let’s look at the iPhone 13 mini 128 GB.

For the giga! approach, you will have to pay $1,629 over 24 months.

However, if you opt for Singtel’s XO Plus 68 iPhone 13 mini plan, you are paying $2,060¬†over 24 months.

In total, you will be paying $431 more than the giga! + buy directly from Apple approach for less data, call time and SMSes.

But on balance, you will be getting free 5G if you go with Singtel.

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iPhone 13 StarHub Price

Now let’s look at StarHub’s contract offerings for the iPhone 13 lineup.

Source: StarHub

StarHub iPhone 13 mini Plans and iPhone 13 Plans

Here are StarHub’s price plans for the iPhone 13 and iPhone 13 Pro:

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleMobile+ $65 PlanMobile+ $95 PlanMobile+ $125 PlanMobile+ $155 plan
Monthly Subscription Fee$20$65.00$95.00$125.00$155.00
iPhone 13 mini (128GB):
Upfront Cost
Total Cost (24 months)
$1,149
$1,629
$449
$2,009
$199$0$0
iPhone 13 mini (256GB):
Upfront Cost
Total Cost (24 months)
$1,319
$1,799
$599
$2,159
$349$79$0
iPhone 13 mini (512GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$899
$2,459
$649$379$119
iPhone 13 (128GB):
Upfront Cost
Total Cost (24 months)
$1,299
$1,779
$579
$2,139
$329$69$0
iPhone 13 (256GB):
Upfront Cost
Total Cost (24 months)
$1,469
$1,949
$739
$2,299
$489$219$0
iPhone 13 (512GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,039$789$519$249
Contract LengthNo Contract24 months
Data40GB30GB60GB90GB120GB
Talktime500 mins200 mins600 mins800 mins1,000 mins
SMS500 SMS200 SMS600 SMS800 SMS1,000 SMS
Caller IDFree$5/month
5GNot included (available as add-on for $10 a month)Free
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
3 months of Apple TV+

Free SIM card and registration
12 months of Disney+ on StarHub

3 months of Apple TV+

Free SIM card and registration

StarHub iPhone 13 Pro Plans and iPhone Pro Max Plans

Detailsgiga! SIM-Only 40GB Plan + Buy Direct From AppleMobile+ $65 PlanMobile+ $95 PlanMobile+ $125 PlanMobile+ $155 plan
Monthly Subscription Fee$20$65.00$95.00$125.00$155.00
iPhone 13 Pro (128GB):
Upfront Cost
Total Cost (24 months)
$1,649
$2,129
$899
$2,459
$649$379$119
iPhone 13 Pro (256GB):
Upfront Cost
Total Cost (24 months)
$1,819
$2,299
$1,059
$2,619
$799$539$269
iPhone 13 Pro (512GB):
Upfront Cost
Total Cost (24 months)
$2,149
$2,629
$1,359
$2,919
$1,109$839$569
iPhone 13 Pro (1TB):
Upfront Cost
Total Cost (24 months)
$2,479
$2,959
$1,659
$3,219
$1,399$1,139$869
iPhone 13 Pro Max (128GB):
Upfront Cost
Total Cost (24 months)
$1,799
$2,279
$1,039
$2,599
$789$519$249
iPhone 13 Pro Max (256GB):
Upfront Cost
Total Cost (24 months)
$1,969
$2,449
$1,189
$2,749
$939$679$409
iPhone 13 Pro Max (512GB):
Upfront Cost
Total Cost (24 months)
$2,299
$2,779
$1,489
$3,049
$1,239$969$709
iPhone 13 Pro Max (1TB):
Upfront Cost
Total Cost (24 months)
$2,629
$3,109
$1,789
$3,349
$1,539$1,279$1,009
Contract LengthNo Contract24 months
Data40GB30GB60GB90GB120GB
Talktime500 mins200 mins600 mins800 mins1,000 mins
SMS500 SMS200 SMS600 SMS800 SMS1,000 SMS
Caller IDFree$5/month
5GNot included (available as add-on for $10 a month)Free
Additional PerksFree SIM card & registration

Rollover data for 2 renewal cycles
3 months of Apple TV+

Free SIM card and registration
12 months of Disney+ on StarHub

3 months of Apple TV+

Free SIM card and registration

When you compare the giga! + buying the iPhone 13 mini directly from Apple approach to StarHub iPhone 13 plans; you’ll find that you will have to pay more, with the difference in price expanding when you move up to the more expensive phone plans.

For example, let’s look at the iPhone 13 mini 128 GB.

For the giga! approach, you will have to pay $1,629 over 24 months.

However, if you opt for StarHub’s Mobile+ $65 iPhone 13 mini plan, you are paying $2,009¬†over 24 months.

In total, you will be paying $380 more than the giga! + buy directly from Apple approach for less data, call time and SMSes.

But on balance, you will be getting free 5G if you go with StarHub.

You are also getting free Apple TV for three months and 12 months of free Disney+ plans.

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Closing Thoughts

In conclusion, you will be paying more when you sign up for a two-year contract with the telcos for the base iPhone 13 mini (128GB).

Sure you get 5G connectivity and some perks for Singtel, StarHub and M1, but you will be locked into a two-year contract with them.

I would very much prefer the SIM-Only and buy direct from Apple approach as I would not want to get locked into a contract and pay more.

But that’s just me.

However, if you have access to a Corporate Individual (CIS) scheme, it should be worth it to get a telco set as you can re-contract after 21 months.

The overall discount is about 25 per cent, but you might want to do the math and compare prices.

Otherwise, the SIM only route is usually better.

Pro-tip: some people will sell their brand new telco bought iPhones for a bit lower than retail prices on platforms like Carousell. You might be able to snag a deal so do check it out!

Speaking of Sim-Only, check out our FREE SIM-Only Mobile Plans comparison tool if you are looking for the best SIM-Only plan for your phone!

Stay safe everyone!

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About Joel Koh
History student turned writer at Seedly. Before you ask, not a teacher. I hope to help people make better financial decisions and not let money control them.
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