Best Travel Credit Cards in Singapore
Updated: 25 Mar 2026
Credit Card | Product Name | 🔥 Hot Reward Pick | Card Benefit | Airport Lounge Access | Min. Annual Income | |
|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | 1.2 - 10 | 2 visits per year* | S$30,000 | ||
 | American Express Platinum Card | - | 2 - 20 | Unlimited | Conditional | |
 | DBS Live Fresh Card | 0.3 - 9.25 % | - | S$30,000 | ||
 | OCBC 90°N Visa Card | 1.3 - 7 | - | S$30,000 | ||
 | DBS Altitude Visa Signature Card | 1.3 - 2.2 | 2 visits per year* | S$30,000 | ||
 | Standard Chartered Smart Credit Card | - | 0.5 - 10 % | - | S$30,000 | |
 | HSBC TravelOne Credit Card | 1.2 - 2.4 | 4 visits per year* | S$65,000 | ||
 | UOB EVOL Card | 0.3 - 10 % | - | S$30,000 | ||
 | Trust Cashback Credit Card | 1 - 15 % | - | S$30,000 |
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to participating Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
- Enjoy competitive rates and complimentary benefits at over 1,600 Fine Hotels + Resorts properties worldwide.
- Up to 6 dining experiences for your and your loved ones across the year with Table for Two by Platinum
- Complimentary access to over 1,550 lounges across 500 airports in 140 countries.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Bonus air miles
- Dining savings
- Airport lounge
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual Fee required
DBS Live Fresh Card
Promo Code:
SINGSAVER
- Get up to 6% cashback on Shopping and Transport spend
- Get unlimited 0.3% cashback on all spend
- Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 0.05% p.a. or more on your DBS Multiplier account
- Online Rebate
- Shopping
- Public transportation
- Min. monthly spending of S$800 required to earn up to 6% cashback on Shopping and Transport spend
- Cashback on Shopping spend capped at S$50 per calendar month
- Cashback on Transport spend capped at S$20 per calendar month
- Rebate cap applied
- Monthly spend required
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
DBS Altitude Visa Signature Card
Promo Code:
SINGSAVER
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
- Read our full review of the DBS Altitude Card.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
- Earn up to 10% cashback for spends above S$1,500 on selected merchants.
- Earn up to 8% cashback for spends above S$800 on selected merchants.
- Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
- Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.
- Interest-free instalments with SC Easy Pay.
- No cash advance fee.
- First-year annual fee waived for new cardholders (S$91 excl. GST thereafter)
- No cashback cap.
- Flexible redemption options for miles, cashback or shopping vouchers
- Streaming, dining and commuting
- Interest-free Installments with SC Easy Pay
- First-year annual fee waiver
- Cashback awarded in the form of 360° Rewards Points.
- Points expire after 3 years.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
UOB EVOL Card
- Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
- 10% on Selected Gym, Telco and Streaming Spend
- Get up to 1% cashback on all Overseas FX Spend (no min. spend and no cap) till 31 Dec 2026.
- All other spends earn 0.3% cashback.
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
- Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
- Get greater savings with up to 3.4% p.a. interest with UOB One Account+.
- Online shopping rebate
- Mobile contactless rebate
- No FX fees
- Overseas in-store FX spend rebate
- Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
- S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend.
- Monthly spend required
- Earn up to 15%^ cashback on your preferred category
- From 1 Mar 2026, get up to 1% unlimited instant cashback on all eligible spend (including preferred category). See Trust Cashback Key Facts Sheet for more details.
- Enjoy 0% foreign transaction fees
- Get up to extra 20% off exclusive partner deals
- Real-time cashback tracking in your Trust App
Understanding Travel Credit Cards in Singapore
Travel credit cards in Singapore offer unique perks tailored for globetrotters and these cards stand out in the crowded financial market as they provide specific advantages for those who frequently jet-set across borders.
What Makes a Travel Credit Card Different?
Unlike standard credit cards, travel cards focus on rewards that benefit frequent flyers. They often provide accelerated points or miles accumulation on travel-related purchases. This makes them an attractive option when comparing travel or miles credit card in Singapore.
Benefits of Using Travel Credit Cards
Travel credit cards come packed with perks designed to enhance your journey:
-
Air miles accumulation
-
Complimentary travel insurance
-
Airport lounge access
-
Foreign transaction fee waivers
-
Exclusive travel deals and discounts
To explore additional features like free lounge access, check out credit cards that offer free access to airport lounges.
Key Features to Look for in Travel Credit Cards
When choosing a travel credit card, consider these essential features:
|
Feature |
Importance |
|---|---|
|
Rewards Rate |
Higher rates mean faster accumulation of points or miles |
|
Annual Fee |
Weigh the cost against the benefits offered and this includes annual fee waivers |
|
Foreign Transaction Fees |
Cards with no fees are ideal for overseas spending |
|
Travel Insurance Coverage |
Comprehensive coverage can save you money on separate policies |
|
Partner Airlines |
Choose cards aligned with your preferred airlines for maximum benefits |
By understanding these aspects, you can make an informed decision when selecting the best credit card for overseas spending. Remember, the right travel credit card can significantly enhance your travel experience and help you save money in the long run, perhaps even enough for an extra serving of laksa on your next trip!
Maximising Rewards with Travel Credit Cards
Travel credit cards offer fantastic opportunities to enhance your journeys. By strategically using these cards, you can accumulate points faster and enjoy a range of travel perks. Let's explore how to make the most of credit cards with travel benefits.
To maximise your rewards, consider these tips:
-
Use your card for everyday purchases to rack up points quickly
-
Take advantage of sign-up bonuses and promotional offers
-
Pay attention to category bonuses that align with your spending habits
-
Utilise partner programmes for point transfers and redemptions
When it comes to redeeming rewards, timing is crucial. Many travel credit card reviews suggest booking flights during off-peak seasons for better value. Some cards also offer travel insurance coverage, lounge access, and concierge services - be sure to tap into these benefits.
|
Reward Type |
Best Use |
Average Value |
|---|---|---|
|
Air Miles |
Long-haul flights |
S$0.02 per mile |
|
Cashback |
Hotel bookings |
1-5% of purchase |
|
Points |
Upgrades or experiences |
S$0.01 per point |
Remember, the key to maximising travel credit card benefits lies in understanding your card's features and aligning them with your travel goals. By doing so, you'll unlock a world of rewarding travel experiences, perhaps even enough for that dream holiday
Best Credit Cards for Overseas Spending
When travelling abroad, choosing the right credit card can save you money and earn rewards. Let's explore the best credit cards for overseas spending in Singapore, focusing on key factors that make them stand out.
Foreign Transaction Fee Comparison
The best overseas credit card often comes with low or no foreign transaction fees. Here's a comparison of popular cards:
|
Card |
Foreign Transaction Fee |
|---|---|
|
DBS Altitude Visa Signature |
3.25% |
|
Citi PremierMiles |
3.25% |
|
HSBC Revolution |
3.25% |
|
Standard Chartered Visa Infinite |
3.5% |
For the more savvy individuals, a common combination of cards is the Citi Rewards card and Instarem amaze card pairing where card users can earn up to four miles per dollar on overseas spends and has one of the lowest foreign currency transaction fees!
Exchange Rate Benefits
Some cards offer favourable exchange rates, giving you more value for your money. The UOB PRVI Miles Visa Card, for instance, uses Visa's wholesale exchange rate, potentially saving you up to 1% on currency conversion.
Overseas Spending Rewards
The best credit card for overseas spending should offer attractive rewards. The OCBC 90°N Mastercard Card earns you 2.1 miles per S$1 spent overseas, making it a top choice for frequent travellers. The Citi PremierMiles Card offers 2 miles per S$1 on foreign currency transactions, providing excellent value for international purchases.
Remember, the ideal card depends on your specific travel needs and spending habits. Compare these features to find your perfect travel companion, and you might just save enough for an extra plate of chicken rice on your next trip!
Top Cards for Flight and Hotel Bookings
Choosing the right credit card can significantly enhance your travel experience. Some cards excel in providing exceptional rewards for flight and hotel bookings, making them the best credit card for flight booking and hotel reservations.
Let's explore some top contenders in Singapore that offer fantastic perks for travellers:
-
Citi PremierMiles Card: Earn 1.2 miles per S$1 spent locally and 2 miles per S$1 spent overseas.
-
DBS Altitude Visa Signature Card: Get up to 10 miles per S$1 on online hotel transactions.
-
OCBC 90°N Mastercard Card: Earn up to 7 miles per S$1 spent on online hotel bookings.
These cards stand out as some of the best credit cards for hotel booking, offering generous rewards on accommodation expenses.
|
Card Name |
Miles Earned on Flights |
Miles Earned on Hotels |
Annual Fee |
|---|---|---|---|
|
Citi PremierMiles |
1.2 miles per S$1 (local) |
Up to 10 miles per S$1 (online) |
S$196.20 |
|
DBS Visa Signature |
Up to 6 miles per S$1 (online) |
Up to 5 miles per S$1 (online) |
S$196.20 |
|
OCBC 90°N Mastercard |
1.3 miles per S$1 (local) |
Up to 7 miles per S$1 (online) |
S$196.20 |
Remember, the best card for you depends on your spending habits and travel preferences. Consider factors like annual fees, foreign transaction charges, additional perks or even credit card bonus miles offers when making your choice. With the right card, you might even earn enough miles for a free hotel stay.
Travel Credit Card Comparison: Fees, Rewards, and Perks
Let's compare the top contenders to help you find the best cards for international travel that suit your needs.
Annual Fee Comparison
Annual fees vary widely among travel credit cards. Some charge hefty sums for premium perks, while others waive fees for the first year. When doing a travel credit card comparison in Singapore, consider the value you'll get in return for these fees.
|
Card |
Annual Fee |
Fee Waiver Conditions |
|---|---|---|
|
DBS Altitude Visa Signature |
S$196.20 |
Waived for first year |
|
Citi PremierMiles |
S$196.20 |
Waived for first year |
|
UOB PRVI Miles Visa |
S$261.60 |
Waived for first year |
Rewards Rate Comparison
Rewards rates are crucial when selecting a travel credit card. Look for cards offering high miles or points per dollar spent, especially on travel-related purchases.
-
DBS Altitude Visa Signature: 1.3 miles per S$1 local spend, 2.2 miles per S$1 overseas spend
-
Citi PremierMiles: 1.2 miles per S$1 local spend, 2 miles per S$1 overseas spend
-
UOB PRVI Miles Visa: 1.4 miles per S$1 local spend, 2.4 miles per S$1 overseas spend
Travel Insurance Coverage
Travel insurance is a valuable perk offered by many travel credit cards. Coverage can include trip cancellation, lost luggage, and medical emergencies. When comparing cards, check the extent and limits of their travel insurance policies to ensure you're adequately protected on your journeys, whether you're exploring the Merlion Park or venturing further afield.
Conclusion
Choosing the best travel credit card in Singapore can make your trips more rewarding. These cards offer perks like air miles, lounge access, and travel insurance. When picking a card, think about your travel style and spending habits.
Credit cards with travel benefits come in many forms. Some are great for frequent flyers, while others suit occasional travellers. Look at annual fees, rewards rates, and foreign transaction charges to find your ideal match.
The future of travel credit cards in Singapore looks bright. As travel bounces back, we expect to see more exciting offers. Keep an eye out for new cards that might better fit your needs.
Frequently asked questions
A travel credit card is a type of credit card designed specifically for frequent travellers. It typically offers rewards and benefits tailored to travel-related expenses, such as earning air miles, hotel loyalty points, or cash back on flight and hotel bookings.
The primary benefits of using a travel credit card include earning air miles or travel rewards points that can be redeemed for flights, hotel stays, or other travel expenses. Many travel cards also offer complimentary travel insurance, airport lounge access, and other perks that can enhance your travel experience.
When choosing a travel credit card in Singapore, consider factors such as the annual fee, rewards rate, complimentary benefits (e.g., travel insurance, lounge access), foreign transaction fees, and any tie-ups with specific airlines or hotel loyalty programmes that align with your travel habits.
For overseas spending, look for credit cards with low or no foreign transaction fees, favourable exchange rates, and rewards or cashback on international purchases. These features can help minimise costs and maximise savings while travelling abroad.
Yes, some credit cards in Singapore offer enhanced rewards or discounts when used to book flights and hotels. These cards may have partnerships with specific airlines or hotel chains, or provide bonus points or miles for travel-related purchases.
When comparing travel credit card rewards and perks, consider the annual fee, rewards rate (e.g., miles or points earned per dollar spent), travel insurance coverage, airport lounge access, and any special promotions or bonuses offered by the card issuer.
To maximise the benefits of your travel credit card, use it for all eligible purchases, especially travel-related expenses. Take advantage of sign-up bonuses, seasonal promotions, and category-specific rewards. Also, make sure to redeem your points or miles strategically for the best value, such as during off-peak travel seasons or for premium class upgrades.
Yes, most Singapore travel credit cards can be used for international transactions. However, it's important to check the foreign transaction fees and currency conversion rates associated with your card. Some cards offer more favourable terms for overseas spending, which can lead to significant savings on your travels.
Many travel credit cards in Singapore offer complimentary travel insurance as part of their benefits package. The coverage can vary widely between cards, so it's important to review the policy details. Some cards may require you to charge your travel expenses to the card to activate the insurance coverage.
Air miles are typically earned based on your spending with the credit card. The earn rate can vary depending on the type of purchase and the specific card. These miles can then be redeemed for flights, upgrades, or other travel-related rewards. Some cards allow you to transfer miles to multiple airline loyalty programs, offering greater flexibility in how you use your rewards.
Whether an annual fee is worth it depends on your travel habits and spending patterns. Cards with higher annual fees often come with more premium benefits like higher rewards rates, airport lounge access, and comprehensive travel insurance. If you travel frequently and can take advantage of these perks, the benefits may outweigh the cost of the annual fee.