Which Credit Card Should You Use For Year-End Travel?

Aaron Wong

Aaron Wong

Last updated 24 November, 2023

Travelling year-end? Then you might want to bring along these credit cards with you.

As 2023 draws to a close and everyone prepares to head overseas for a well-deserved break, banks have lost no time coming up with year-end spending promotions. These offer bonus miles to cardholders, especially those who opted for miles credit cards and spend in foreign currency. It is a great opportunity to recharge your miles balance while on vacation. 

In this post, we’ll look at some of the ongoing credit card offers and how to trigger them, as well as some tried-and-tested alternatives that work year-round.

Table of contents



Citi PremierMiles Credit Card

From 1 November 2023 to 31 January 2024, Citi PremierMiles Cardholders can earn 4 mpd on in-person foreign currency transactions, instead of the usual 2 mpd. 

They will need to register for this offer by sending the following SMS to 72484:

CITIPMCFX<space>Last 4 digits of your Citi PremierMiles Card
e.g. CITIPMCFX 1234

Once registered, cardholders who meet a minimum spend of at least S$5,000 in a calendar month will earn an upsized rate of 4 mpd on foreign currency spending for that calendar month. For avoidance of doubt, the minimum spend can be in either Singapore dollars or foreign currency, and also includes Citi PayAll transactions.

The extra 2 mpd is capped at 10,000 Citi Miles per calendar month, which means you’d max out the offer with a monthly spend of S$5,000. It is only valid for in-person spending, so online spending in foreign currency will not qualify. 

Bonus points will be credited from February to April 2024, depending on which month your qualifying spend is made. 

CITI_CC_EURO_BLOGARTICLE_800x250

🎉SingSaver x Citi CC Euro Summer Kickoff Lucky Draw🎉: Be one of the 10 lucky winners to win 120k Max Miles each (enough for a pair of economy-class round-trip tickets to anywhere in Europe) when you sign up for an eligible Citibank Credit Card on SingSaver. A total of 10x pairs of tickets will be given away for over 2 weeks, with 5x pairs given weekly. Valid till 23 June 2024. T&Cs apply.

SingSaver_Score_Big_2024_KV1_BLOGARTICLE_800x250

✨SingSaver Score Big CC Campaign✨: The first 10 applicants to apply for participating products daily at 12pm and 6pm will score a rewards upgrade to a PlayStation®5 (Slim) Disc Edition (worth S$799). Meanwhile, the first 10 to apply at 3pm will score a rewards upgrade to a Dyson Airwrap™ Multi-styler and Dryer (worth S$859). Remaining applicants will enjoy existing rewards. Check out FAQs here. Valid till 30 June 2024. T&Cs apply.

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

Citi PremierMiles_Campaign_BLOGARTICLE_800x250 (1)

SingSaver Exclusive Offer: Receive a Dyson Supersonic (worth S$699) or Dyson Micro 1.5kg Vacuum (worth S$599) or Apple iPad 10th Gen 10.9 WiFi 64GB (worth S$529) or 21,000 Max Miles (worth a round-trip flight to Tokyo, Kyoto, or Osaka) or S$450 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$1,200 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,786.00 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.

Read more:
Credit Card Combo: Pair Citi PremierMiles & Citi Rewards
5 Credit Cards I Never Leave Home Without
DBS Altitude vs Citi PremierMiles vs OCBC 90°N: Card Comparison


Citi Prestige Credit Card

From 1 November 2023 to 31 January 2024, Citi Prestige Cardholders can earn 4.5 mpd on all foreign currency transactions, instead of the usual 2 mpd.

They will need to register for this offer by sending the following SMS to 72484:

CITIPRESFX<space>Last 4 digits of your Citi Prestige Card
e.g. CITIPRESFX 1234

Registration is capped at the first 3,000 Citi Prestige Cardholders, and you’ll receive an acknowledgement upon successful registration.

Once registered, cardholders who meet a minimum spend of at least S$8,000 in a calendar month will earn the upsized rate of 4.5 mpd on foreign currency spending for that calendar month. For avoidance of doubt, the minimum spend can be in either Singapore dollars or foreign currency, and also includes Citi PayAll transactions.

The extra 2.5 mpd is capped at 12,500 miles per calendar month, which means you’d max out the offer with a monthly spend of S$5,000. Unlike the Citi PremierMiles offer above, it is valid on both in-person and online foreign currency spending, so you could use it to book hotels or pay for rental cars online and still earn the bonuses.

Bonus points will be credited by 30 April 2024. 

Read more:
Travel Insurance Add-Ons: Which Ones Are Worth Your Money?
Best Travel Insurance Plans For Road Trips

CITI_CC_EURO_BLOGARTICLE_800x250

🎉SingSaver x Citi CC Euro Summer Kickoff Lucky Draw🎉: Be one of the 10 lucky winners to win 120k Max Miles each (enough for a pair of economy-class round-trip tickets to anywhere in Europe) when you sign up for an eligible Citibank Credit Card on SingSaver. A total of 10x pairs of tickets will be given away for over 2 weeks, with 5x pairs given weekly. Valid till 23 June 2024. T&Cs apply.

SingSaver_Score_Big_2024_KV1_BLOGARTICLE_800x250

✨SingSaver Score Big (CC) Campaign✨: The first 10 applicants to apply for participating products daily at 12pm and 6pm will score a rewards upgrade to a PlayStation®5 (Slim) Disc Edition (worth S$799). Meanwhile, the first 10 to apply at 3pm will score a rewards upgrade to a Dyson Airwrap™ Multi-styler and Dryer (worth S$859). Remaining applicants will enjoy existing rewards. Check out FAQs here. Valid till 30 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:

📣ONLY AVAILABLE ON SINGSAVER📣: Citi PremierMiles Card and Citi Prestige Card:

Citi PremierMiles_Campaign_BLOGARTICLE_800x250 (1)

Get a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or an Apple iPad 10th Gen 10.9 WiFi 64GB (worth S$529) or S$450 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Citi CC_BLOGARTICLE_800x250 (1)

Other Citi Credit Cards: Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$1,200 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,786.00 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.


Maybank Horizon Visa Signature Credit Card

The newly-revamped Maybank Horizon Visa Signature has a great offer for foreign currency spending that offers an uncapped 2.8 mpd. This requires a minimum spend of S$800 per calendar month, and applies to both in-person and online foreign currency spend. While it’s true that you could generate a slightly higher rate of 4+ mpd with other cards, those all invariably come with a cap. The potential to earn an uncapped 2.8 mpd could be quite lucrative for big spenders. 

The best thing about this offer? It even applies to commonly-excluded transactions such as charitable donations, education, insurance, and private hospitals. So long as these transactions are processed in foreign currency, you’ll earn an uncapped 2.8 mpd too.

In addition to foreign currency transactions, spending at least S$800 per calendar month will also make you eligible to earn 2.8 mpd on up to S$10,000 of air ticket transactions. 

All bonus points will be credited the following calendar month.


Standard Chartered Journey Credit Card

From 1 November to 31 December 2023, StanChart Journey Cardholders will receive an uncapped 3.5% cash rebate on all foreign currency transactions, whether online or in-person.

No registration nor minimum spend is required, and cashback will be automatically posted by 29 February 2024. 

This cash rebate effectively offsets StanChart’s usual 3.5% FCY fee, allowing cardholders to earn 2 mpd on overseas spend without anything more than the usual Visa spread (which will apply regardless of which credit card you use).

The main thing to be careful about here is that only transactions made and posted during the promotional period will be eligible for the 3.5% cash rebate. Therefore, if you’re travelling towards the end of December, take care because your transactions may not post in time. In general, it’s a good idea to buffer at least three calendar days for posting. 

SingSaver_Score_Big_2024_KV1_BLOGARTICLE_800x250

✨SingSaver Score Big CC Campaign✨: The first 10 applicants to apply for participating products daily at 12pm and 6pm will score a rewards upgrade to a PlayStation®5 (Slim) Disc Edition (worth S$799). Meanwhile, the first 10 to apply at 3pm will score a rewards upgrade to a Dyson Airwrap™ Multi-styler and Dryer (worth S$859). Remaining applicants will enjoy existing rewards. Check out FAQs here. Valid till 30 June 2024. T&Cs apply.

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

Receive up to 60K combined Max Miles (the highest miles rewards on the market) or an Apple AirPods Pro (Gen 2) (worth S$365.70) or up to S$150 cash upon activating your card within 30 days and no minimum spend required. Get the additional miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Valid till 30 June 2024. T&Cs apply.

Also, receive a S$20 e-Capitaland voucher when you make a min. spending of S$800 in your 2nd month. Plus, get an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 30 June 2024. T&Cs apply. 

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$199 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00) or a Xiaomi Robot Vacuum X20 UK (worth S$699). Valid till 30 June 2024. T&Cs apply.

See also: How to Use the Standard Chartered Journey Credit Card to Get a Free Flight to Korea (Worth 54,000 Miles)


UOB PRVI Miles Credit Card

From now till 30 November 2023, UOB PRVI Miles Cardholders can earn up to 8 mpd on airline, hotel and travel agent bookings made with their card.

Registration is required, and can be done by sending the following SMS to 77862:

PMQ3<space>Last 4 digits of your NRIC/Passport

e.g. PMQ3 567A

The campaign is open to all three versions of the UOB PRVI Miles Card (AMEX, Mastercard, Visa), with no cap on the maximum number of eligible participants. 

Once registered, cardholders must spend at least S$2,000 across any of the following three categories during the promotion period:

  • Airlines (e.g. Singapore Airlines, Qatar Airways, Cathay Pacific)
  • Hotels (e.g. Airbnb, Accor, Hilton)
  • Online travel agencies (e.g. Klook, Agoda, Expedia)

The maximum bonus miles are capped at S$4,000 (i.e. 8,000 miles) for the entire promotion period. Bonus miles will be credited by 5 January 2024.

While the spending must take place during the promotion period, travel can be for any dates in the future. So even if you plan to stay home this year-end, there’s still scope to plan ahead for 2024!

UOB Credit Card Welcome Offer: Receive S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.


And the classics…

Even in the absence of promotions, there are some credit cards which are reliable options for racking up miles on foreign currency spend all year round.

  • Amaze + Citi Rewards: Amaze pairs with Mastercards to convert all foreign currency transactions into Singapore dollars, at lower rates than what you’d pay with the banks. Pair it with the Citi Rewards Card and earn 4 mpd on all your foreign currency spending, capped at S$1,000 per statement month.

CITI_CC_EURO_BLOGARTICLE_800x250

🎉SingSaver x Citi CC Euro Summer Kickoff Lucky Draw🎉: Be one of the 10 lucky winners to win 120k Max Miles each (enough for a pair of economy-class round-trip tickets to anywhere in Europe) when you sign up for an eligible Citibank Credit Card on SingSaver. A total of 10x pairs of tickets will be given away for over 2 weeks, with 5x pairs given weekly. Valid till 23 June 2024. T&Cs apply.

SingSaver_Score_Big_2024_KV1_BLOGARTICLE_800x250

✨SingSaver Score Big CC Campaign✨: The first 10 applicants to apply for participating products daily at 12pm and 6pm will score a rewards upgrade to a PlayStation®5 (Slim) Disc Edition (worth S$799). Meanwhile, the first 10 to apply at 3pm will score a rewards upgrade to a Dyson Airwrap™ Multi-styler and Dryer (worth S$859). Remaining applicants will enjoy existing rewards. Check out FAQs here. Valid till 30 June 2024. T&Cs apply.

SingSaver Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Rewards Card:

Citi CC_BLOGARTICLE_800x250 (1)

Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$1,200 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,786.00 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.


DBSWomansWorldMasterCard

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.


scb-visa-infinite-card

  • Standard Chartered Visa Infinite: Cardholders can earn an uncapped 3 mpd on foreign currency spending, provided they spend at least S$2,000 per statement month. Read our full review here.

SingSaver_Score_Big_2024_KV1_BLOGARTICLE_800x250

✨SingSaver Score Big CC Campaign✨: The first 10 applicants to apply for participating products daily at 12pm and 6pm will score a rewards upgrade to a PlayStation®5 (Slim) Disc Edition (worth S$799). Meanwhile, the first 10 to apply at 3pm will score a rewards upgrade to a Dyson Airwrap™ Multi-styler and Dryer (worth S$859). Remaining applicants will enjoy existing rewards. Check out FAQs here. Valid till 30 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered credit card. Eligible for new Standard Chartered cardholders only.

SCB Simply Cash_KV1_BLOGARTICLE_800x250 (1)

Standard Chartered Simply Cash Credit Card : Receive a Sony HT-AX7 (worth S$769) or a Dyson SSHD (worth S$699) or an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or S$330 cash upon activating and spending min. S$500 within 30 days of card approval. Also, get an additional S$30 e-Capitaland voucher when you make a min. spending of S$800 in your 2nd month. Valid till 30 June 2024. T&Cs apply

Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 30 June 2024. T&Cs apply.

Plus, get S$288 cashback when you make a min. spend of S$588 within 1 month of card approval. Valid till 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$799 for an Apple Watch Ultra 2 GPS + Cellular, 49mm (Alpine Loop/Ocean Band/Trail Loop) (worth S$1,210.10). Alternatively, top up S$1,150 for a Macbook Air 13" 256GB M3 (worth S$1,599) or iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 30 June 2024. T&Cs apply.


Standard Chartered Smart Card and Rewards+ Card: Receive a Sony WF-1000XM5 (worth S$429) or a Dyson AM07 (worth S$4590) or a Flujo BEA Ergonomic Office Chair (worth S$509) or up to S$250 cash upon activating and spending min. S$250 within 30 days of card approval. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of S$800 in your 2nd month. Valid till 30 June 2024.   T&Cs apply.

Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 30 June 2024. T&Cs apply.

Plus, get S$288 cashback when you apply for an SCB Smart Credit Card and make a min. spend of S$588 within 1 month of card approval. Valid till 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$199 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00) or a Xiaomi Robot Vacuum X20 UK (worth S$699). Valid till 30 June 2024. T&Cs apply.


Standard Chartered Journey Credit Card Only: Receive up to 60K combined Max Miles (the highest miles rewards on the market) or an Apple AirPods Pro (Gen 2) (worth S$365.70) or up to S$150 cash upon activating your card within 30 days and no minimum spend required. Get the additional miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Valid till 30 June 2024. T&Cs apply.

Also, receive a S$20 e-Capitaland voucher when you make a min. spending of S$800 in your 2nd month. Plus, get an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 30 June 2024. T&Cs apply. 

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$199 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00) or a Xiaomi Robot Vacuum X20 UK (worth S$699). Valid till 30 June 2024. T&Cs apply.


UOB-Visa-Signature

  • UOB Visa Signature Card: Cardholders can earn 4 mpd on foreign currency spending, provided they spend at least S$1,000 per statement month. This is capped at S$2,000 per statement month. 

UOB Credit Card Welcome Offer: Receive S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.


Conclusion

If you’re heading overseas for the end of the year, be sure to check out these bonus miles offers and register if necessary. 

Take particular note of the minimum spend requirements and caps, and don’t panic if you don’t see the bonus miles right away – some of them will take a few months to credit.

Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

Aaron founded The Milelion to teach people how to travel better for less, with credit cards, airline and hotel loyalty programmes. With 500,000 miles flown and counting, he’s keen to debunk the myth that you can’t travel in style without breaking the bank.

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!