Best Credit Cards For Agoda Promotions (2024)

Alevin K Chan

Alevin K Chan

Last updated 18 September, 2024

Popular online travel portal Agoda is back with more promotions and discounts for all your holidays in 2024. We’ve identified the best credit cards to use for bonus miles and extra savings!

You may know online travel portal Agoda for its myriad travel deals and hotel offers, but did you know you can stretch your dollar even further by putting your bookings on the right credit cards?

From bonus miles to exclusive discounts, there are plenty of ways to get more value or save a little more when you book your next trip at Agoda. And when paying for your hotel stays with Agoda, you can earn cash rebates and miles when you pay with the right credit cards.

Table of contents

BEST-DEAL-GUARANTEE_BLOGARTICLE_800x250 (1)

SingSaver's Best Deal Guarantee: Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 December 2024. T&Cs apply.


What are Agoda bookings coded as?

But before that, it’s important to determine the merchant category code (MCC) for Agoda, which is coded as MCC 4722 (Travel Agencies and Tour Operators). If you don’t know what an MCC is, this article will help

The short story is an MCC is basically a 4-digit number that credit card issuers use to classify a business and the type of services or goods it offers. It's also used to identify transactions made by consumers.

Knowing the MCCs can help you determine which credit card to use for a particular transaction, helping you to maximise your cashback, rewards, or miles.

Read on to find out the latest Agoda credit card deals and the best credit cards for Agoda bookings.


Etiqa-TIQ-Product-Review-Body-1

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 55% off. Also receive $30 Free Travel Voucher. Valid till 31 December 2024. T&Cs apply. 

Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 31 December 2024. T&Cs apply.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.


Credit cards that earn bonus miles for Agoda bookings

Credit card
Bonus cashback/miles earn rate
Up to 7 miles per dollar (mpd)
Up to 7 mpd
6 mpd

OCBC 90°N Card – Up to 7 miles per dollar

Qualifying website
Rewards
6 miles per dollar spent in SGD
7 miles per dollar spent in foreign currency
Booking period
Now till 30 November 2024
Stay period
Now till 31 December 2024

One of the best credit cards to pair with your Agoda bookings for 2024 is the OCBC 90°N Card, which comes in Mastercard or VISA versions. 

The differences between the two are minor, with the Mastercard having a slightly higher base earn rate of 1.2 miles per dollar (mpd) in local transactions, and 2.1 mpd for foreign currency transactions. In comparison, the VISA version of the card gives 1 mpd and 2 mpd, respectively. 

Still, when spending at Agoda, there’s no difference, as you will be getting the same amount of miles: 6 mpd for local currency spend and 7 mpd for foreign currency transactions. 

You can enjoy these high earn rates throughout the year. The promo is valid for hotel stays until 31 December 2024, but bookings should be made by 30 November 2024 at the latest. You can view the full T&Cs here


Citi PremierMiles Card – Up to 7 miles per dollar

CITI_PREMIERMILES_MASTER

Qualifying website
Rewards
Up to 7.2 mpd
Booking period
Now till 31 December 2024
Stay period
Now till 30 April 2025

If you have the Citi PremierMiles Card, you can earn bonus 5 mpd for your travel bookings made on Agoda, on top of the 1.2 mpd on local spend and 2.2 mpd on foreign spend. This means you can earn 6.2 mpd for local transactions, and 7.2 mpd for those paid for in foreign currencies. 

There is no cap to how many bonus miles you can earn this way, and the promo is valid for bookings made till 31 December 2024. You may choose hotel stays up to 30 April 2025.

SINGSAVE_SUPERSAVER_AUG-CAMPAIGN_IN-BLOG-ARTICLE_800x250

🪙SingSaver Cash Quest🪙: Get 10x chances to win S$50,000 when you apply for participating Credit Cards. Applying for multiple products means more Cash Quest Chances! Plus, download the SingSaver App and log in with the same email used during product application to earn 20 additional chances! Valid till 22 December 2024. T&Cs apply.

CITI PREMIERMILES_KV1_IN BLOG BANNER_800x250 (1)

📣ONLY AVAILABLE ON SINGSAVER📣: Enjoy the following rewards when you sign up for a Citi PremierMiles Card.

SingSaver Exclusive Offer: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80), an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30), 18K Heymax Miles, 50,000 Yuu Points or S$350 Cash upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid until 9 December 2024. T&Cs apply.

Plus, get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 9 December 2024. T&Cs apply.

🚀Fastest Rewards Fulfilment🚀: Get the cash rewards within four (4) weeks after successful application — the fastest rewards fulfilment yet! T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250 (1)

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards for as low as S$100. Valid until 9 December 2024. T&Cs apply.

  • S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$499)
  • S$1,080 for a MacBook Air 13" 256GB M3 (worth S$1,599.00)
  • S$1,200 for an Apple iPhone 16 Pro 256GB (worth S$1,1,749.00)
  • S$1,586 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128.00)

UOB PRVI Miles Card – up to 6 miles per dollar

Qualifying website
Rewards
Additional UNI$11.5 for SGD spend
Additional UNI$9 for transactions in foreign currencies
Total: UNI$15 (equal to 6 mpd)
Booking period
Now till 31 December 2024
Stay period
Now till 31 December 2024 

Holders of the UOB PRVI Miles Card can earn UNI$15 on your Agoda bookings (equivalent to 6 mpd). This earn rate is unchanged whether you choose to pay in SGD or in foreign currencies. 

The UOB PRVI Miles Card earns you UNI$3.5 per S$5 (or 1.4 mpd) on local spend and UNI$6 per S$5 (or 2.4 mpd) on foreign spend. 

With the promo, you’ll be awarded an additional bonus of UNI$11.5 and UNI$9 on local and foreign spend respectively, which means you’ll be earning the equivalent of 6 mpd for your Agoda hotel bookings, for both local and foreign transactions. 

The qualifying period for the promo is until 31 December 2024 only – this goes for both bookings and hotel stays. 

UOB PRVI Miles Mastercard Welcome Gift: Get up to 58,000 miles when you successfully apply for a UOB PRVI Miles Mastercard, pay the annual fee, and spend a minimum of S$2,000 per month for two consecutive months. SMS registration is required. Valid for new-to-UOB credit cardmembers only. Valid till 31 December 2024. T&Cs apply.

Or, receive up to 38,000 miles when you successfully apply for the card, spend a minimum of S$2,000 per month for two consecutive months, and waive the annual fee. Capped at first 50 eligible cardmembers monthly. Valid for new-to-UOB credit cardmembers only. Valid till 31 December 2024. T&Cs apply.


Bank-specific Agoda credit card deals

What if you don’t have any of these three credit cards? Well, don’t fret, as there are other Agoda credit card deals you can enjoy. While these don’t give you any bonus miles, they nonetheless let you save a little more on your overseas holidays. 

Qualifying bank cards
Qualifying website
Deal
DBS/POSB credit cards
DBS

 

Extra 15% off (capped at S$30) hotels worldwide
 
Book by: 30 September 2024 
Stay by: 30 June 2025
Citibank credit cards
Citibank-Logo

 

7% off on hotels worldwide (no cap)
 
Book by: From 1 June 2024
Stay by: 31 December 2024
HSBC credit cards
HSBC-Logo (1) 1

 

Extra 15% off hotels worldwide
 
Book by:
- Now to 29 Feb 
- 1 to 30 Apr 
- 1 Jun to 31 Jul
- 1 to 30 Sep
- 1 Nov to 31 Dec 2024
 
Stay by: 30 June 2025
OCBC credit cards
logo_ocbcbank-horizontal
Extra 7% off (no min spend and no discount cap)
 
Book by: 30 September 2024 
Stay by: 31 December 2025

Note the following when making use of these credit card deals. 

  • You need to access the corresponding Agoda page using the qualifying website listed in the table (this also applies for the three credit card deals in the section above).
  • These deals are only applicable on hotel listings marked “Promotion Eligible”. 
  • You will need to make full payment to qualify for the deal; choosing “Pay at Hotel” will not qualify you for the discounts.
  • Ensure you enter the correct credit card number.

 

Back to top

Best miles/cashback credit cards for Agoda bookings

Because we’re all about getting the best value at every turn, here’s our list of recommended credit cards that are eligible for your hotel bookings on Agoda, excluding those mentioned above. 

Credit card
Cashback/miles earn rate
4 mpd
4 mpd 
Up to 3 mpd 
4.3 mpd on Agoda bookings; 1.3 mpd on local spend; 2.2 mpd on foreign spend
Unlimited 1.6% cashback
1.2 mpd on local spend; 2.4 mpd on foreign spend
6% cashback on local and overseas shopping spend
8% cashback on local spend
8% cashback on local spend

UOB Lady’s/Lady’s Solitaire Card

uob-ladys-card
UOB Lady's Card
uob-ladys-solitaire-cardUOB Lady's Solitaire Card

Both the UOB Lady’s Card and UOB Lady’s Solitaire Card currently offer an earning rate for miles at 4 mpd across seven categories – beauty & wellness, fashion, dining, family, travel, transport, and entertainment, which you can choose and change every quarter. 

The main difference between the two is that you can only select one category for the former, while the latter allows you to select up to two eligible categories. Besides that, the UOB Lady’s Card has a bonus rate cap of S$1,000 per calendar month, whereas the bonus rate spent is higher at S$2,000 per calendar month for the UOB Lady’s Solitaire Card.

Don’t be fooled by the name; men are also allowed to apply. 

SINGSAVE_SUPERSAVER_AUG-CAMPAIGN_IN-BLOG-ARTICLE_800x250

🪙SingSaver Cash Quest🪙: Get 10x chances to win S$50,000 when you apply for participating Credit Cards. Applying for multiple products means more Cash Quest Chances! Plus, download the SingSaver App and log in with the same email used during product application to earn 20 additional chances! Valid till 22 December 2024. T&Cs apply.


DBS Woman’s World Mastercard

DBSWomansWorldMasterCard

Like the UOB Lady’s Card, the DBS Woman’s World Mastercard is open to men too. This premium credit card designed for women lets you earn the equivalent of 4 mpd on your Agoda bookings, which count as an online transaction. 

Note that the bonus earn rate for online purchases will only apply for the first S$1,500 charged during the month, so you’ll need to time your booking accordingly. 

DBS/POSB Credit Card Welcome Gift: Receive up to S$150 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


Back to top


KrisFlyer UOB Credit Card

KrisFlyer-UOB-Credit-e1556382005772-1

As the name implies, the KrisFlyer UOB Credit Card is for those who enjoy flying on Singapore Airlines and Scoot. This credit card lets you earn 3 mpd on SIA-related (SIA, Scoot, KrisShop, Kris+) and everyday spending (dining, online food delivery, online, shopping, transport, travel).

However, the 3 mpd earn rate only kicks in once you've spent a minimum of S$800 on SIA-related categories in a year (excluding Kris+), otherwise, the earn rate will be 1.2 mpd. 

That said, it can be achievable if you fly with SIA or Scoot often as you have a year to achieve it. 

The KrisFlyer UOB Credit Card also has an uncapped earn rate for bonus miles, so you can charge as much as you want without worry about breaching the cap. Also, there's no miles conversion fee, as your KrisFlyer miles will be credited directly to your KrisFlyer Account.

KrisFlyer UOB Card Welcome Offer: Be one of the first 100 eligible new-to-UOB credit cardmembers to get up to 31,000 miles plus a first-year annual fee waiver when you apply and take the least days to make a min. spend of S$2,000 within 60 days from card approval date. Valid till 31 December 2024. T&Cs apply.

Read more:
How to Earn KrisFlyer Miles Quickly
Singapore Airlines KrisFlyer Miles Redemption Guide
How to Transfer and Use KrisFlyer Miles For Someone Else?
Best Air Miles & KrisFlyer Credit Cards in Singapore


DBS Altitude Card

DBS-Altitude-Visa_LF-2019-2026-1024x686-1 DBS-Altitude-Amex-_may-15-1024x668-1

Pay with the DBS Altitude Card to earn 1.3 mpd on local spends, or 2.2 mpd if you choose to pay in a foreign currency. This card also offers 4.3 mpd on Agoda bookings made on DBS Travel & Leisure Marketplace (TMP). Plus, it gives you two complimentary lounge visits per year, a bonus of 10,000 miles when you pay the annual fee, and comes with free travel insurance coverage of up to S$200,000 in personal accident benefits and up to S$1,000 benefits for travel delays.

DBS/POSB Credit Card Welcome Gift: Receive up to S$150 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


Citi Cash Back+ Card

CITI_CASHBACK+_MASTER-1

Use the Citi Cash Back+ Card to pay for your Agoda hotel bookings to earn an additional 1.6% cashback. Best of all, there is no cap to the cashback you can earn, so you can look forward to a nice boost to your cashback earned for the month.

SINGSAVE_SUPERSAVER_AUG-CAMPAIGN_IN-BLOG-ARTICLE_800x250

🪙SingSaver Cash Quest🪙: Get 10x chances to win S$50,000 when you apply for participating Credit Cards. Applying for multiple products means more Cash Quest Chances! Plus, download the SingSaver App and log in with the same email used during product application to earn 20 additional chances! Valid till 22 December 2024. T&Cs apply.

CITI CC_IN BLOG ARTICLE_800x250 (2)

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Cashback+ Card:

Receive a Hinomi H1 Classic V3 Ergonomic Office Chair (With Headrest) (worth S$659), an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30), an Apple AirPods Pro Gen 2 + Magsafe Charger (worth S$408), 50,000 Yuu Points, or S$350 Cash upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 9 December  2024. T&Cs apply.

🚀Fastest Rewards Fulfilment🚀: Get the cash rewards within four (4) weeks after successful application — the fastest rewards fulfilment yet! T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250 (1)

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards for as low as S$100. Valid until 9 December 2024. T&Cs apply.

  • S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$499)
  • S$1,080 for a MacBook Air 13" 256GB M3 (worth S$1,599.00)
  • S$1,200 for an Apple iPhone 16 Pro 256GB (worth S$1,1,749.00)
  • S$1,586 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128.00)


Back to top


HSBC TravelOne Credit Card 

HSBC TravelOne

The HSBC TravelOne credit card will give you 1.2 mpd on local spend, and 2.4 mpd for foreign currency transactions. As such, using this card for your Agoda bookings will let you earn air miles to offset the cost of your flight. 

What’s more, you’ll receive four complimentary airport lounge visits per year, as well as free travel insurance that offers up to US$100,000 coverage for you and your family. 

HSBC-CC_15Nov-1Dec_KV2_IN-BLOG-ARTICLE_800x250

SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC TravelOne Card:

Get an Apple Watch SE (GEN 2) GPS 44mm (worth S$389) or an Apple Bundle - Apple AirPods 4 w/ ANC + AirTag 4 Pack (total worth S$398) or 17,000 Max Miles or S$199 cash via PayNow upon activating, paying the annual fee (S$196.20 incl GST), and spending min. S$500 by end of the following calendar month from the card account opening date. Valid till 2 January 2024. T&Cs apply.

Back to top


DBS Live Fresh Credit Card

DBS-Live-Fresh-Student-Card-1

The DBS Live Fresh Card is currently offering 7% off hotel bookings on Agoda. Note that the booking period is valid till 31 Dec 2025 and the stay period is valid till 31 Mar 2026.

The discount is also only valid for hotels that have the “Promotion Eligible” banner on the search results page and “Pre paid”, “Pay now” and “Book Now, Pay later” room types only. So, keep an eye out for these banners! Find out more on their promotion page.

As a whole, the DBS Live Fresh Card offers up to 6% cashback on local and overseas shopping spend and transport spend, which means that you can bring the card along with you during your out-of-the-country trip and still earn cashback.

Note that the cashback is capped at S$70 per month, a split of S$50 for shopping spend and S$20 on transport spend. It also has a minimum spend of S$800. But, if you're not confident you'll meet the requirement, this card has a 0.3% unlimited base cashback rate on all other eligible spend. This allows cardholders to still earn cashback with no cap on all spend.

DBS/POSB Credit Card Welcome Gift: Receive up to S$150 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


UOB EVOL Card

uob-evol-1024x644

The UOB EVOL Card offers 8% cashback on an exhaustive list of online and mobile contactless transactions, including bookings made on Agoda.

What’s more, you’ll also get up to S$500,000 personal accident coverage and up to S$50,000 emergency medical assistance, evacuation & repatriation coverage when you charge your travel fare onto this card

That’s not all, you can also earn an interest of up to 7.80% p.a. (EIR 5.00% p.a.) on your UOB One Account when you spend a minimum of S$500 per month and credit your salary of at least S$1,600 or make three GIRO payments monthly. 

SINGSAVE_SUPERSAVER_AUG-CAMPAIGN_IN-BLOG-ARTICLE_800x250

🪙SingSaver Cash Quest🪙: Get 10x chances to win S$50,000 when you apply for participating Credit Cards. Apply for multiple products to increase your chances! Valid till 22 December 2024. T&Cs apply.


OCBC FRANK Credit Card

OCBC-FRANK-Platinum-U1200476-Front(RGB)-2

Another cashback card to consider paying for your Agoda bookings is the OCBC FRANK Credit Card, which offers an upsized cashback of up to 10% on online, mobile contactless, and foreign currency transactions. 

The cashback is broken down into 8% on online and mobile contactless payments, and an additional 2% cashback on selected green merchants such as SimplyGo, BlueSG, Scoop Wholefoods and more. 

You can get a maximum cashback of S$100 per month (S$25 per category) with a minimum spending of S$800 per month.

 

Back to top



Read these next:
Best Credit Cards For Booking Flights And Hotels
Best Websites To Book Your Hotels — Deals, Discounts and Variety
Agoda vs Expedia vs Hotels.com: Which is Cheapest?
Travel Insurance: Your Refund Rights for Flight Delays and Cancellations

Alevin loves helping people make good money decisions. He briefly flirted with being a Financial Advisor, but quickly realised writing about personal finance is the better way to go.

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!