StarHub vs. Giga vs. Circles.Life Who Has the Best SIM-Only Plan?

Ever been halfway through a Netflix binge, only to get a "data limit reached" warning? Or maybe you've been stuck overseas, desperately hunting for Wi-Fi because your roaming plan failed you?

Choosing the right mobile plan isn’t just about data or call minutes—it’s about ensuring you get the best network coverage, speed, and flexibility. StarHub, Giga, and Circles.Life offer some of the best SIM-only plans in Singapore, but which one truly delivers the best experience?

A SIM-only plan should cater to your specific needs, whether you are a heavy data user, frequent traveler, or someone looking for affordability. With a range of different pricing structures, data allowances, and benefits, finding the right plan can feel overwhelming. But don’t worry! In this guide, we compare StarHub, Giga, and Circles.Life in detail so you can make an informed decision based on value, coverage, and perks.

In this guide, we’ll compare these three providers based on:

• Pricing

• Network Coverage

• Data Allowance

• Roaming Options

• Perks & Extras

Let’s break down which SIM-only plan delivers the best value in Singapore.

Key Differences of the SIM-Only Plans

Verdict

While StarHub and Giga offer good SIM-only plans, Circles.Life provides the best value for money, with larger data allowances, better perks, and superior roaming options. Whether you're a light user looking for affordability or a power user needing massive data, Circles.Life gives you the best of both worlds.

Pricing Comparison: Which Plan Gives the Best Value?

Pricing is one of the most critical factors when selecting a SIM-only plan. Some users prioritize budget-friendly options, while others are willing to pay more for premium benefits. Let's break down the pricing of StarHub, Giga, and Circles.Life.

• StarHub’s pricing is competitive, especially for users who value call and SMS allowances in their plans. However, its data allowances are lower than the competition.

• Giga offers a unique 600GB plan for S$18.33/month, but it drops to 300GB after 6 months, making it less ideal for long-term users who need consistent data availability.

• Circles.Life dominates this category with 600GB for just S$18/month—with no data reductions over time. This makes it the best choice for users who want reliable high-data plans at an affordable price.

Verdict

If you want a cheap plan with high data, Giga gives you 600GB at S$18.33 but drops to 300GB after 6 months. For long-term value, Circles.Life offers 600GB for just S$18/month with no data drop-off. It’s the best choice for heavy data users who want consistent pricing without restrictions.

5G SIM-Only Plans: Who Has the Best Speed & Coverage?

Speed and network reliability are just as important as pricing. With 5G becoming the standard, let’s compare which provider delivers the fastest and most reliable mobile experience.

• StarHub provides stable 5G network speeds, making it a reliable choice for business professionals and general users.

• Giga’s 5G plan offers massive data but comes with limitations, as its 600GB plan drops to 300GB after 6 months.

• Circles.Life offers high-speed 5G with generous data caps, making it the best choice for heavy data users and streamers.

Verdict

For affordable high-speed 5G, Circles.Life dominates with 600GB for just S$18/month and 1TB for S$22/month. It provides the fastest, most reliable 5G plan without data drop-offs.

Roaming Plans – Which is Better for Travelers?

Verdict

For frequent travelers, Circles.Life offers the best international coverage and free incoming roaming.

Final Verdict – Which SIM-Only Plan Wins?

Choose StarHub if:

• You prefer a traditional telco with structured call and SMS allowances.

• You want a well-established network provider with consistent 5G performance.

•  You need bundled services with mobile + broadband deals.

Choose Giga if:

• You want big data allowances at a budget price.

• You don’t mind the data dropping from 600GB to 300GB after 6 months.

• You enjoy rollover data perks and a referral rewards program.

Choose Circles.Life if:

• You need massive high-speed 5G data plans with no hidden restrictions.

• You travel frequently and want permanent free roaming perks.

• You value contract-free flexibility, unlimited data rollover, and premium rewards.

User Reviews & Community Discussions

When it comes to real-world experiences, customer reviews and online discussions provide valuable insights into what each SIM-only provider truly delivers beyond the numbers. While pricing and features are important, network performance, reliability, and customer support significantly influence user satisfaction.

StarHub is widely recognized for its consistent network performance and stable coverage across Singapore. Many users appreciate strong signal reception, particularly in urban areas, offices, and high-rise buildings. However, while connectivity remains strong, users often express frustration over expensive roaming charges, especially when traveling to regions outside StarHub’s preferred partner networks. Business users who frequently travel internationally find StarHub's data roaming plans restrictive compared to the permanent roaming perks offered by Circles.Life.

Giga users are drawn to the provider for its affordable high-data SIM-only plans, with many highlighting the 600GB plan at S$18.33 as one of the best deals available. However, despite its popularity, some users express dissatisfaction with the post-promotion data reduction, where the 600GB cap drops to 300GB after six months. For long-term subscribers, this data drop can feel like a hidden cost, forcing them to consider switching providers or upgrading to a more expensive plan. Another commonly mentioned issue is inconsistent data speeds during peak hours, where some users report throttling or slowdowns when streaming or gaming. On the positive side, many customers appreciate Giga’s simple sign-up process, app-based management, and data rollover perks, which provide added value for users with fluctuating data needs.

Among the three providers, Circles.Life enjoys the most positive overall reputation, thanks to its flexible plans, premium perks, and high-speed network reliability. Heavy data users, frequent travelers, and professionals working remotely particularly praise Circles.Life’s large data allowances, free unlimited local incoming calls, and permanent roaming benefits. Many reviews highlight the lack of hidden restrictions, making Circles.Life one of the best options for long-term users who don’t want unexpected changes in data caps or pricing. Furthermore, Circles.Life’s customer service is often rated as more responsive and efficient than other telcos, offering real-time support through their app, live chat, and email. Gamers and streamers frequently note that Circles.Life delivers faster and more stable connections during peak hours, which enhances their overall mobile experience. The addition of lifestyle perks like discounted Golden Village movie tickets and loyalty rewards further strengthens its appeal.

Reddit Discussions:

Reddit has become a go-to platform for tech-savvy Singaporeans looking for honest feedback and detailed comparisons of mobile plans. Discussions around "StarHub SIM-Only vs. Giga" often revolve around pricing and data limitations, with some users questioning whether Giga's post-6-month data drop makes it a good long-term investment. While some Redditors praise StarHub’s stability, others point out that higher-tier StarHub plans aren’t as cost-effective compared to Circles.Life’s 600GB and 1TB options.

On the other hand, Circles.Life often emerges as the top recommendation for those who want consistent high-speed connectivity, long-term affordability, and better roaming perks. Many users compare Circles.Life’s 5G performance to StarHub’s, noting that both are strong contenders, but Circles.Life’s value-added benefits make it a more attractive deal overall. Additionally, Redditors discussing Giga vs. Circles.Life often recommend Circles.Life due to its stable speeds, no data cap reductions, and superior customer service.

Frequently Asked Questions (FAQs)

Which plan offers the best value for money?

If you're looking for a budget-friendly plan, Giga's 600GB plan at S$18.33 is an attractive option at first glance. However, since this data cap drops to 300GB after six months, long-term users may not find it as cost-effective. Circles.Life, on the other hand, offers a 600GB plan at S$18 that does not decrease over time, making it the best long-term value option.

How does the network coverage compare?

StarHub and Circles.Life both boast 99% 5G network coverage across Singapore, ensuring fast, stable connections in urban and suburban areas. StarHub excels in urban locations, while Circles.Life provides better network reach in suburban and rural areas. Giga, as an MVNO (Mobile Virtual Network Operator), runs on StarHub’s network but sometimes experiences congestion issues during peak hours.

Is there a contract requirement?

No! All three providers offer contract-free SIM-only plans, meaning you have the freedom to switch anytime. However, Circles.Life provides better long-term perks, including data rollover, unlimited local incoming calls, and permanent roaming benefits, making it the most flexible and user-friendly choice.

Which plan is better for streaming and gaming?

For seamless streaming and gaming, Circles.Life is the best choice. With 600GB or even 1TB data plans, users can stream in HD, game online without lag, and download large files without worrying about data caps. Additionally, Circles.Life’s priority network access ensures faster speeds during peak hours, unlike Giga, which can experience throttling in congested areas. StarHub also provides stable 5G performance, but its higher prices and lower data caps make it a less attractive option for heavy data users.

What do users say about StarHub vs. Giga vs. Circles.Life?

• StarHub users love its stable network and reliable coverage, but high roaming costs and premium pricing can be a drawback.

• Giga users enjoy big data caps at lower prices, but inconsistent speeds and the post-6-month data drop are common concerns.

• Circles.Life users prefer its massive data allowances, flexible pricing, and better international roaming perks, making it the best option for power users, travelers, and gamers.

Conclusion: The Best SIM-Only Plan for Every Need

Choosing between StarHub, Giga, and Circles.Life ultimately depends on your mobile usage. When comparing StarHub, Giga, and Circles.Life, it’s clear that each provider has its strengths and weaknesses. StarHub excels in network reliability, making it a great choice for users who prioritize stability over data volume. Giga attracts users with its massive 600GB plan, but the data reduction after six months makes it less appealing for long-term users. In contrast, Circles.Life stands out as the best overall provider, offering the highest value for data-hungry users, international travelers, and mobile gamers. With no hidden data reductions, better roaming perks, and premium lifestyle rewards, Circles.Life proves to be the most future-proof and user-friendly SIM-only plan in Singapore. Whether you’re a tech enthusiast, a remote worker, or a frequent traveler, Circles.Life offers a plan that fits your lifestyle while ensuring the best combination of affordability, high-speed performance, and customer satisfaction. 

Make the switch today and experience the freedom of unlimited connectivity with Circles.Life!