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Best Credit Cards For Agoda Promotions (2024)

Alevin Chan

Alevin Chan

Last updated 30 January, 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

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 47% off  plus first 1,000 purchases will receive an eSIM by JetPac with 1GB data (Fulfillment by TIQ). Valid till 29 Feb 2024. T&Cs apply. Additionally, receive an Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 29 February 2024.

 

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.


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.


Credit cards that earn bonus miles for Agoda bookings

Credit card

Bonus cashback/miles earn rate

OCBC 90°N Card

Up to 7 miles per dollar (mpd)

Citi PremierMiles Card

Up to 7 mpd

UOB PRVI Miles Card

6 mpd


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

OCBC_90N_MASTERCARD_UPDATED

 

OCBC_90N_VISA-1

 

Qualifying website

https://www.agoda.com/en-gb/90n

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 mpd

CITI_PREMIERMILES_MASTER

Qualifying website

https://www.agoda.com/bonusmiles

Rewards

Up to 7 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 mpd on foreign spend. This means you can earn 6.2 mpd for local transactions, and 7 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.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi PremierMiles Card:

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson Supersonic (worth S$699) or  Dyson V8 Slim Fluffy (worth S$509) or S$300 Cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

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 29 March 2024. T&Cs apply.

 


UOB PRVI Miles Card – 6 miles per dollar

Qualifying website

https://www.agoda.com/prvimiles

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 World Mastercard Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 29 February 2024. T&Cs apply.

Alternatively, get 30,000 miles when you apply with first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date (capped at first 50 eligible cardmembers monthly). Valid till 29 February 2024. T&Cs apply.

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 March 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
Extra 15% off hotels worldwide
Book by: 31 March 2024 
Stay by: 31 December 2024
Citibank credit cards
Extra 20% off (capped at S$60) hotels worldwide
Book by: 29 February 2024 
Stay by: 31 December 2024
HSBC credit cards
Extra 15% off hotels worldwide
Booking period:
- 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
Extra 18% off hotels worldwide
Book by: 31 March 2024 
Stay by: 31 December 2024

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.

 

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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

UOB Lady’s Card/Lady's Solitaire Card

[until 29 Feb 2024]: 6 mpd

DBS Woman’s World Mastercard

4 mpd 

KrisFlyer UOB Credit Card 

Up to 3 mpd 

DBS Altitude Card

[until 31 January 2024]: 1.3 mpd on local spend; 2.2 mpd on foreign spend

Citi Cashback+ Card

Unlimited 1.6% cashback

HSBC TravelOne Card

1.2 mpd on local spend; 2.4 mpd on foreign spend

DBS Live Fresh Card

5% cashback on local spend

UOB EVOL Card

8% cashback on local spend

OCBC FRANK Card

8% cashback on local spend


UOB Lady’s/Lady’s Solitaire Card

UOBLadysCard-1-2

 

UOB-Ladys-Solitaire-Metal-Card
 

Both the UOB Lady’s Card and UOB Lady’s Solitaire Card currently offer the highest earning rates for miles at 6 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$3,000 per calendar month for the UOB Lady’s Solitaire Card.

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

UOB Lady's Card Welcome Offer: Get S$350 Grab Voucher if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

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 March 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$2,000 charged during the month, so you’ll need to time your booking accordingly. 

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

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KrisFlyer UOB Credit Card

KrisFlyer-UOB-Credit-e1556382005772-1

As the name implies, the KrisFlyer UOB Credit Card is for those who enjoy flyer 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 you KrisFlyer Account.

KrisFlyer UOB Card Welcome Offer: Get up to 31,000 miles plus a first-year annual fee waiver for new-to-UOB credit cardmembers who apply and make a min. spend of S$2,000 within 2 months from card approval date. Valid till 31 March 2024. T&Cs apply.

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 March 2024. T&Cs apply.

 


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 (until 31 January 2024). This card also gives you two complimentary lounge visits per year, bonus 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.

 

 


Citi Cash Back+ Card

Citi_Cashback_Platinum_Mastercard

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.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Credit Card:

Citi_PM_BLOGARTICLE_800x250

Citi PremierMiles Card and Citi Rewards Card Only: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or S$300 Cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

CITI_BLOGARTICLE_800x250-2

Other Citi Credit Cards: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or a Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

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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. 

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any HSCB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

HSBC_CC_SSHD_BLOGARTICLE_800x250

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

Receive a Dyson Supersonic™ hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending a min. $500 plus pay an annual fee of S$196.20 by the end of the following calendar month from the card account opening date. Valid till 29 February 2024. T&Cs apply.

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DBS Live Fresh Card

DBS-Live-Fresh-Student-Card-1

The DBS Live Fresh Card lets you earn 5% cashback on online and mobile contactless transactions each month. This means that online bookings made on Agoda are also eligible.

Moreover, you’ll get an additional 5% cashback on purchases made with selected eco-merchants, which include public transport rides via SimplyGo, electric vehicle, car-sharing services, and eco-retailers and eateries, totalling to 10% cashback per month.

Note that the cashback is capped at S$75 per month with a minimum spend of S$600. 

 

 


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. 

UOB EVOL Card Welcome Offer: Receive S$350 Grab Vouchers as the first 200 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

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 March 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.

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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

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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