The Citi Rewards Card gives you up to 10X Rewards Points or 4 mpd on the following categories: online and shopping purchases, online grocery, online food delivery, and ride-hailing apps. Its bonus miles are capped at S$1,000 spend (or 9,000 bonus points) per month.
✨ Read our full review of the Citi Rewards Card here.
Insured by AIG, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. Its coverage breakdown is as follows:
- Up to S$100,000 for emergency medical evacuation
- Up to S$50,000 for medical repatriation
- Up to S$40,000 for medical and accidental dental expenses
- Up to S$1,000 for baggage loss (S$500 per article)
- Up to S$500 for baggage delay (S$200 per 8-hour consecutive delay)
- Up to S$500 for flight delay (S$100 per 8-hour consecutive delay)
- Up to S$500 for trip interruption and trip cancellation each
Source: Citibank
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💡Pro-tip: Pair your Citi Rewards Card with the Instarem amaze Card to continue earning miles on overseas spend and a further 1% cashback. This is because the Instarem amaze Card converts all transactions into online spending!
Note: The amaze Card only works with Mastercards like Citi Rewards.
With this stellar combo, your Citi Rewards Card will double up as a great overseas spend card to continue earning miles on holiday. So we highly encourage you to take advantage of this not-so-secret travel hack for your next trip pronto! 🤑🌍
See also: 3 Reasons to Never Pay in SGD When Swiping Your Card Overseas
For cashback loyalists: Citi Cash Back & Citi Cash Back+ Card
Citi Cash Back Card![]() |
Citi Cash Back+ Card![]() |
The next Citibank card on our list is the ever-popular Citi Cash Back Card and its unlimited spend counterpart, Citi Cash Back+ Card. The former earns 8% cashback on groceries and all fuel, as well as 6% cashback on dining (including internationally). Meanwhile, the latter earns an unlimited 1.6% cashback on all eligible spend. No minimum spend and no cap on cashback.
But most of you probably already know this. What you probably don't know is its travel insurance offered.
✨ Read our full review of the Citi Cash Back Card and Citi Cash Back+ Card here.
Insured by AIG, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. Its coverage breakdown is as follows:
- Up to S$100,000 for emergency medical evacuation
- Up to S$50,000 for medical repatriation
- Up to S$40,000 for medical and accidental dental expenses
- Up to S$1,000 for baggage loss (S$500 per article)
- Up to S$500 for baggage delay (S$200 per 8-hour consecutive delay) and flight delay (S$100 per 8-hour consecutive delay) each
- Up to S$500 for trip interruption and trip cancellation each
Source: Citibank
This is the same extent of coverage as Citi Rewards. So if you're not a miles chaser and prefer cashback, you won't have to worry about being left out. Citi Cash Back(+) cardholders will benefit equally.
For miles consistency: Citi PremierMiles Card
The Citi PremierMiles Card needs no introduction if you're familiar with the miles game. It rewards cardmembers with 1.2 mpd on local spend and 2 mpd on foreign spend – and that's just general spend.
On top of that, it also offers up to 10 mpd on Kaligo bookings, 7 mpd on Agoda bookings, and 2 complimentary airport lounge visits per year. And as the cherry on top, Citi miles never expire.
It's no wonder this card is a constant in everyone's credit card rotation.
✨ Read our full review of the Citi PremierMiles Card here.
Insured by HL Assurance, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to this card. Its coverage breakdown is as follows:
- Up to S$1,000,000 for death or permanent disability
- Up to S$40,000 for medical and dental treatment expenses
- Up to S$100,000 for emergency medical evacuation & repatriation
- Up to S$50,000 for direct repatriation of mortal remains
- Up to S$1,000 for baggage loss (S$500 per article)
- Up to S$600 for baggage delay (S$100 per 8-hour consecutive delay)
- Up to S$500 for flight delay (S$100 per 8-hour consecutive delay)
- Up to S$500 for trip interruption and trip cancellation each
- Up to S$50,000 for COVID-19 medical expenses
- Up to S$1,000 for COVID-19 hospital allowance
Source: Citibank
Compared to its above Citi cousins, the Citi PremierMiles provides more extensive coverage over additional categories like death and permanent disability, direct repatriation of mortal remains, and extra COVID-19 coverage as its bonuses.
In our opinion, it's always wiser to opt for COVID-19 travel insurance coverage because you never know when you might be afflicted by it. It's better to be safe than sorry.
See also: Where to Buy Travel Insurance With COVID-19 Coverage (2023)
For ladies with dedicated spending: UOB Lady's Solitare Card
The UOB Lady's Solitaire Card was already a solid miles card but with its upgrade earlier this year, it just got even more amazing. Bumping up from 4 mpd to 6 mpd, this was a much-welcomed card refresh.
For context, the only other card with this accelerated rate is UOB PRVI Miles (as seen below) with its 6 mpd on major airlines, Agoda, Expedia, and UOB Travel bookings. Otherwise, this boosted rate is hard to come by.
Moreover, compared to its counterpart UOB Lady's Card, the Lady's Solitaire variant allows cardholders to earn 6 mpd on two chosen categories per quarter, instead of just one. The eligible categories are Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, and Entertainment.
This bonus miles earn rate is capped at S$3,000 spend per month, higher than the standard S$1,000 cap. The only caveat is that this card is for ladies only, and men are not allowed to apply – not even a supplementary card. 😔
💡Pro-tip: One possible solution to overcome this problem is to get a lady friend, family member, or partner to apply on your behalf. Basically, the card will be under their name but you still get to benefit as if a primary cardholder.
✨ Read our full review of the UOB Lady's Solitaire Card here.
Insured by AIG, up to US$100,000 complimentary travel insurance coverage is provided when you charge travel tickets to this card. The coverage breakdown is as follows:
- Up to US$100,000 for overseas medical expenses
- Up to US$100,000 for emergency medical evacuation or repatriation of mortal remains
- Up to US$100 per day for daily hospital allowance
- Up to US$100 for overseas quarantine allowance
Source: UOB
Noticeably, the extent of coverage and sum insured is significantly lower than the aforementioned travel insurance plans. Thus, we recommend opting for UOB Lady's Solitaire complimentary travel insurance only if...
- You need a little extra coverage as an add-on to a travel insurance plan already bought directly from providers; or
- You're going on a short trip that doesn't require such comprehensive protection.
See also: Best Travel Insurance Plans and Promotions in Singapore (2023)
For global spenders: UOB PRVI Miles Card
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The minimum spend and cap on miles earned at all times is an important consideration for miles card users.
If that's the case, then you'll be glad to know that the UOB PRVI Miles Card offers not just that, but a fairly high 2.4 mpd on overseas spend and 1.4 mpd on local spend.
It's also a good card to use for your travel and accommodation bookings, because earn rates go up to:
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Up to 8 mpd on Expedia*
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Up to 6 mpd on Agoda and UOB Travel
*Limited time promo: Valid from 15 May to 11 Jun 2023. Flight and accommodation bookings must be made through expedia.com.sg/prvimiles. Promotional bonus UNI$ is capped at UNI$3,000 for the entire promo period. T&Cs apply.
✨ Read our full review of the UOB PRVI Miles Card here.
Insured by UOI, up to S$500,000 complimentary travel insurance coverage is provided when you charge the travel tickets to your card. The coverage breakdown is as follows:
- Up to S$500,000 for public conveyance of personal accidents or permanent disability
- Up to S$50,000 for emergency medical assistance, evacuation, and repatriation (inclusive of COVID-19 coverage)

UOB PRVI Miles Card's travel insurance coverage covers only the cardholder, and only in the event of personal accident and emergency medical assistance (no travel inconveniences).
What's more, provisions state that benefits for personal accident coverage can only be claimed in the event of Death or Permanent Total Disablement from gainful employment of any and every kind, which is a pretty high threshold.
If you're looking for more comprehensive coverage, especially related to travel inconvenience, we highly recommend that you purchase a separate travel insurance policy for that.
For all-round local spenders: Maybank Horizon Visa Signature Card
The Maybank Horizon Visa Signature Card lets you earn a whopping 3.2 mpd (8X TREATS points) on dining, petrol, taxi fares, and Agoda hotel bookings via agoda.com/horizon.
Besides that, you also earn 2 mpd (5X TREATS points) on air tickets, travel & cruise packages, and foreign currency transactions. The complimentary access to selected VIP airport lounges is also a nice touch.
Not to mention, all of this is available at only S$300 minimum spend per month, which is a ridiculously low spend for credit cards. The only downside is that all these categories only earn the bonus miles if redeemed on Maybank TREATS SG app.
✨ Read our full review of the Maybank Horizon Visa Signature Card here.
Insured by Etiqa, up to S$1,000,000 complimentary travel insurance coverage is provided when you charge your travel tickets to the card. The coverage breakdown is as follows:
- Up to S$1,000,000 for accidental death or total permanent disability (on public transport during tours)
- Up to S$5,000 for repatriation of mortal remains
- Up to S$400 for missed flight connection
- Up to S$1,000 for baggage loss
- Up to S$400 for baggage delay
Source: Maybank
Do note that the Maybank Horizon Visa Signature Card falls under "Card Type 3" which grants the highest tier of coverage received.
What's more, you can rest assured that you and your family members are insured accordingly for the various coverage benefits. The policy even explicitly details the coverage amount reimbursed depending on if you're claiming for just yourself, your family member, or both you and your family members together.
Overall, the complimentary coverage is beneficial if you enjoy the attractive miles-to-dollar rate but still want to be assured of basic travel insurance when you travel overseas.
Compare different travel insurance plans to find the best and most suitable coverage for you on your trip. Alternatively, check out our summary of Best Travel Insurance 2019 to check out which travel insurance plan you should consider based on your major concerns.
Find More About Travel Insurance Providers
Compare and make the best decisions to find the best travel insurance providers for your needs
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- Find Out About AIG Travel Insurance Singapore
- Find Out About Tokio Marine Travel Insurance Singapore
- Find Out About Singlife Travel Insurance Singapore
- Find Out About Etiqa Travel Insurance Singapore
- Find Out About FWD Travel Insurance Singapore
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