Best Credit Card Combinations for Post-Covid Travel

Denise Bay
Last updated May 30, 2022

What are the best credit cards for travel? Take your pick from our round-up of the best airline miles credit cards and best cashback credit cards according to your priorities and preferences. 

Now that travel’s finally back on most of our agenda, it’s high time you armed yourself with the best credit cards for travel and best credit cards for travel rewards on the market.   

Let’s face it, post-Covid travel isn’t cheap, especially if you’re looking to get out of Singapore right now. While we can’t beat economics (think: demand and supply), we can definitely take steps to make our hard-earned money go further. 

This means picking the best credit card combinations that work to our advantage while we plan our coveted, deeply missed travel escapades to fun, far-flung places around the world. After all, credit cards aren’t all created equal. 

Read on to find out valuable tips and tricks on how you can make your post-Covid vacations come true without hurting your wallet. 

Best for no FX charges & competitive FX rates: Instarem amaze card

Ears up if you haven’t already heard of the Instarem amaze card. Similar to popular cards like YouTrip and Revolut, the Instarem amaze card offers users competitive FX rates wherever in the world they may be. The Instarem amaze card doesn’t charge users any FX charges for using the card either. 

Better than its competition, users stand to gain from earning bonus cashback, plus the ability to stack up rewards on their linked Mastercard credit card — a truly revolutionary product in my book.

Not enough to convince you? Well, there’s no need to top up any funds to start using the Instarem amaze card. All you have to do is link your Mastercard credit card or debit card.  

Related to this topic:
Instarem’s amaze Card Review: Is It Still Amazing?
YouTrip Review 2022: Fees, Rates, and Promos
Mobile Wallets In Singapore: Complete 2022 Guide

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Best credit cards for post-Covid travel

Best forCredit Card 
Free lounge access & travel insuranceCiti PremierMiles
Singapore Airlines & Scoot perks UOB KrisFlyer Credit Card
6mpd on major airlines & hotels globallyUOB PRVI Miles Mastercard
8% cashback Citi Cash Back Card

Maybank Family & Friends Card

Best for free lounge access & travel insurance: Citi PremierMIles

Citi PremierMiles is great for those on the lookout for a fuss-free air miles credit card that comes with two free Priority Pass airport lounge visits each year, free travel insurance of up to S$1 million coverage and the ability to earn unlimited expiry-free Citi Miles. 

Apart from its lounge and travel insurance benefits, this accessible miles credit card offers 2mpd on foreign currency spend, up to 7mpd on Agoda bookings and up to 10mpd on Kaligo bookings and 1.2mpd on all eligible local spend. 


SingSaver Exclusive Offer: Receive an ErgoTune Supreme V3 (worth S$850) or an Apple iPad 9th Gen (worth S$499) or the latest Apple Watch SE 2nd Gen (worth S$379) or S$350 Cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 2 October 2022. T&Cs apply.

Pick your Citibank card here!

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Best for Singapore Airlines & Scoot perks: UOB KrisFlyer Credit Card 

UOB KrisFlyer Credit Card is a KrisFlyer miles credit card designed for those who enjoy flying with Singapore Airlines and/or Scoot (or travelling in general). While it doesn’t come with complimentary airport lounge access, it offers a slew of Singapore Airlines and Scoot perks that you can scoop up when planning your trips: 

  • Fast track to KrisFlyer Elite Silver status
  • Earn 4.5mpd at KrisShop
  • S$20 KrisShop rebate 
  • S$15 off Grab rides
  • S$15 off ChangiWiFi
  • Additional baggage allowance on Scoot
  • Booking Flexibility waiver on Scoot
  • Standard seat selection on Scoot, and more

This air miles credit card lets you earn 3mpd on SIA-related purchases, dining, food delivery, online shopping, travel (including Airbnb) and transport, and 1.2mpd on all other spend. 

There is no cap on how many miles you can earn, and no conversion fee you need to bother about — your miles will be automatically credited into your KrisFlyer account. 


SingSaver Exclusive Offer: Be the first 200 new-to-UOB credit card holders to receive S$250 worth of Grab vouchers when you make a minimum spend of S$1,500 within 30 days from card approval date. Valid till 30 September 2022. T&Cs apply.

KrisFlyer UOB

Related to this topic:
Best Credit Cards For Booking Flights And Hotels
6 Credit Cards Which Give Free Access to Airport Lounges



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Best for 6mpd on major airlines & hotels globally: UOB PRVI Miles Mastercard

UOB PRVI Miles Mastercard is perfect for those keen on chalking up miles quickly on everything and anything they spend on, travel included.

This air miles credit card lets you earn 6mpd on major airlines and hotels worldwide (UNI$15 per S$5 spend), 2.4mpd on overseas spend (UNI$6 per S$5 spend), including online shopping on overseas websites, and 1.4mpd on local spend (UNI$3.5 per S$5 spend), including bus/train rides via SimplyGo.

Besides redeeming your UNI$ for real air miles that you may use to offset your future travel bookings, you can turn your UNI$ into cashback to offset your card spend or redeem shopping vouchers, dining vouchers and more, too.

Apart from complimentary travel insurance coverage of up to S$500,000, cardmembers can gain access to UOB PRVI Travel Butler for dedicated comprehensive travel assistance including flight, hotel, car rental and insurance booking. 


SingSaver Exclusive Offer: Be the first 200 new-to-UOB credit card holders to receive S$250 worth of Grab vouchers when you make a minimum spend of S$1,500 within 30 days from card approval date. Valid till 30 September 2022. T&Cs apply.

UOB PRVI Miles Mastercard

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Best for 8% cashback: Citi Cash Back Card, Maybank Family & Friends Card 

Citi Cash Back Card 

The Citi Cash Back Card may just be what you need if you tend to spend on family-oriented purchases like dining, groceries and petrol. 

As long as you consolidate your expenses and hit the minimum spend of S$800, you can safely call the 8% cashback on groceries and petrol as well as 6% cashback on dining yours. This applies regardless of whether you’re spending locally or overseas.

For families who intend to whip up their own meals, visit plenty of restaurants and cafes on the road, or make road tripping a major part of their travel itinerary, the Citi Cash Back Card is not to be passed up — especially if earning up to S$80 cashback per statement month appeals to you. 

Just to sweeten things up a little, the Citi Cash Back Card also offers up to S$1 million in travel insurance coverage when you charge your travel tickets to this card.


SingSaver Exclusive Offer: Receive an ErgoTune Supreme V3 (worth S$850) or an Apple iPad 9th Gen (worth S$499) or the latest Apple Watch SE 2nd Gen (worth S$379) or S$350 Cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 2 October 2022. T&Cs apply.

Pick your Citibank card here!

Maybank Family & Friends Card

The Maybank Family & Friends Card is another cashback credit card you can count on to deliver 8% cashback globally on your five chosen bonus categories. Take your pick from these 10 options:

  • Groceries
  • Dining & Food Delivery
  • Transport
  • Data Communication & Online TV Streaming
  • Retail & Pets
  • Online Fashion
  • Entertainment
  • Pharmacy
  • Sports & Sports Apparels
  • Beauty & Wellness

To earn the 8% cashback on your chosen cashback categories, simply consolidate your expenses and make a minimum spend of S$800 per calendar month. You can earn up to S$25 cashback per bonus cashback category, up to a total of S$125 each calendar month! 

SingSaver Exclusive Offer: Receive S$80 via PayNow upon card approval. Valid till 13 October 2022. Plus, receive a Samsonite Harts 68/25 Spinner (worth S$550) when you apply for both a credit card & a CreditAble account and make a min. spend of S$300 per month for 2 consecutive months. Valid for the first 4,500 applicants. The remaining applicants will score S$100 cashback instead. T&Cs apply.

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My ideal post-Covid travel credit card combination 

Instarem amaze card lets me enjoy competitive FX rates and no FX charges, complete with the fact that I can get bonus cashback on my eligible spending, provided I meet the requirements. This card is a must-have for me when I travel. In fact, I’ve already taken my amaze card to London, Maldives and Johor Bahru — all within a month of relaxed border measures! 

I pair the Instarem amaze card with UOB KrisFlyer Credit Card as a good part of my expenses go towards dining, transport and online shopping. This credit card lets me earn unlimited KrisFlyer miles and enjoy an array of Singapore Airlines & Scoot perks.

My Citi PremierMiles is the old Visa version, so I can’t use it with the Instarem amaze card. But, if you were to sign up now, your Citi PremierMiles would be perfect for linking it to the Instarem amaze card. Just to reiterate, Citi PremierMiles lets you enjoy free Priority Pass lounge access and free travel insurance, on top of the unlimited 2mpd you can earn on all foreign currency spend. 

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Determine your best travel credit cards 

Eagle-eyed readers would have realized the credit cards I’ve selected above are all Mastercard cards. This allows you to pair your travel credit card with the Instarem amaze card to stack on rewards while enjoying competitive FX rates and zero FX charges abroad!  

While there’s not that much of a difference when you compare Mastercard vs Visa vs American Express Credit Cards, note that you can only pair a Mastercard credit or debit card to the Instarem amaze card at this time. Nobody knows if and when they would let users pair Visa or American Express cards.

How to choose your ideal travel credit cards? 

Follow these simple steps: 

  1. Sign up for the Instarem amaze card (you’re under no obligation to use my referral code ‘JjUuwf’) 
  2. Pick your preferred Mastercard credit card(s) according to your spending habits, rewards and benefits preferences 
  3. Remember you can get different cards for different purposes (e.g. one for free lounge access, one for earning credit card rewards etc)

Read these next
How To Ask For Credit Card Annual Fee Waivers
Best Credit Cards For Overseas Spending In Singapore
Money Confession: Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)


By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.


Denise Bay May 30, 2022 90315