Best Travel Credit Cards in Singapore
Updated: 7 Oct 2026
Product Name | ๐ฅ Hot Reward Pick | Card Benefit | Airport Lounge Access | Min. Annual Income | ||
|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | 1.2 - 10 | 2 visits per year* | S$30,000 | ||
 | HSBC Revolution Credit Card | 0.4 - 4 | - | S$65,000 | ||
 | DBS Altitude Visa Signature Card | 1.3 - 2.2 | 2 visits per year* | S$30,000 | ||
 | OCBC 90ยฐN Visa Card | 1.3 - 7 | - | S$30,000 | ||
 | HSBC TravelOne Credit Card | 1.2 - 2.4 | 4 visits per year* | S$65,000 | ||
 | KrisFlyer UOB Credit Card | 1.2 - 3 | - | S$30,000 | ||
 | Standard Chartered Journey Credit Card (Annual Fee Waiver) | - | 1.2 - 3 | 2 visits per year* | S$30,000 | |
 | DBS Chromo Card | 1 - 5 % | - | S$30,000 | ||
 | Trust Freedom Card | 0.5 - 15 % | - | S$30,000 | ||
 | Citi Rewards Card | 1 - 10 | - | S$30,000 | ||
 | UOB Lady's Card | S$400 Cash via PayNow | 0.4 - 10 | - | S$30,000 | |
 | OCBC Rewards Credit Card | 1 - 15 | - | S$30,000 | ||
 | DCS Flex Visa Platinum Card | 0.4 - 2.4 | - | S$30,000 | ||
 | American Express Platinum Credit Card | - | 2 - 10 | - | Conditional | |
 | OCBC 90ยฐN Mastercard | 1.3 - 7 | - | S$30,000 | ||
 | UOB Lady's Solitaire Card | - | 0.4 - 4 miles per dollar | - | S$120,000 | |
 | UOB PRVI Miles World MasterCard | 1.4 - 8 | 4 Free visits | S$30,000 | ||
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | - | 1.2 - 2 | - | Conditional |
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Citi PayAll lets you earn Citi Miles or Citi ThankYouโ Points on major payments such as insurance premiums, taxes, renovation expenses, wedding payments and more, even where credit cards may not typically be accepted.
- [Limited Time Promotion] Enjoy up to 0.6% Bonus Cash Rebate on eligible Citi PayAll fee-paying transactions with a minimum qualifying spend of S$6,000 from 1 September to 31 December 2026. For more details, visit the Citi PayAll website. T&Cs apply.
- 2 free airport lounge visits per year to participating Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
HSBC Revolution Credit Card
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 10X Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Keep earning beyond 31 March 2026.
- 20X Points (equivalent to 8 mpd) on online and contactless spending for cardholders who maintain at least S$50,000 average daily balance in their HSBC EGA (SGD Account)
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases. Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
DBS Altitude Visa Signature Card
promo_code:
SINGSAVER
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
- Read our full review of the DBS Altitude Card.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90ยฐN Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
KrisFlyer UOB Credit Card
- Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.
- Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop
- Earn 1.2 KrisFlyer miles per S$1 on all other spend.
- 5,000 Welcome miles with first eligible spend (min. S$5).
- 10,000 KrisFlyer miles with annual renewal fee payment.
- Exclusive privileges on Scoot (viaย flyscoot.com/krisflyeruob), Kris+ and more.
- Terms and conditions apply for all abovementioned privileges. Visit here for more details.
- Insured up to S$100k by SDIC.
- KrisFlyer miles
- Unlimited miles
- 1st year annual fee waiver
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption โ enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- SC Shop and Earn - Book your holidays and earn up to 28.75% Cashback at over 40 travel partners like Agoda, Klook, Trip.com. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
- Application is only open to customers between 21-29 years old.
- Up to 5% cashback on your top 2 local spend categories every month across Dining, Shopping, Transport and moreโno selection required.
- 1% cashback on all other eligible spendโno minimum spend required.
- 0 FX fees and 5-year annual fee waiver.
- Toggle between up to 5% cashback or 1.3 miles per S$1 โ Flexibility to switch your reward preference every month.
- Boosted earn rates are removed in the 4th month after your 30th birthday.
- Cashback is capped at S$150 per calendar month across both Bonus and Base cashback.
- One credit card, multiple ways to earn. You choose: 3% Stockback, 1.3 miles per dollar, up to 1.5% unlimited cashback or up to 15% bonus cashback. See Trust Freedom Card Key Facts Sheet for more details.
- From 21 Sept 2026, sign up, select miles and spend to earn up to 100K Max Miles. T&Cs apply*
- From 13 Aug 2026, stand to win up to 8K USD stocks. T&Cs apply*
- Switch your rewards every quarter
- Enjoy 0% foreign transaction fees
- $0 annual fee
- $0 commission fee for selling stocks
Citi Rewards Card
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Citi PayAll lets you earn Citi Miles or Citi ThankYouโข Points on major payments such as insurance premiums, taxes, renovation expenses, wedding payments and more, even where credit cards may not typically be accepted.
- [Limited Time Promotion] Enjoy up to 0.6% Bonus Cash Rebate on eligible Citi PayAll fee-paying transactions with a minimum qualifying spend of S$6,000 from 1 September to 31 December 2026. For more details, visit the Citi PayAll website. T&Cs apply.
- No cap on base rewards points.
- Pair with amaze card to turn offline transactions into online transactions.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month.
UOB Lady's Card
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- Local & Overseas spending rewards
- Installment
- No monthly spend required
- You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.
- You must save with UOB Ladyโs Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly rewards cap applies.
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
- Switch your preferred rewards flexibly between cashback, air miles, investment credits or carbon credits
- Up to 8% cashback / investment credits / carbon credits or 2.4 mpd from foreign currency spend
- Up to 6% cashback / investment credits / carbon credits or 1.8 mpd from online shopping and contactless transactions
- Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
- Shopping Rebate
- Dining Rebate
- Online Rebate
- Overseas Rebate
- S$600 minimum monthly spend.
- Monthly service fee applies (waived for first 12 months).
- Monthly Spend Required
- Own your style in your favourite brands or step up to the foodie life with up to S$200 Fashion and Dining Credit with successful payment of the Annual Membership fee.
- Enjoy up to 50% off your food bill at over 70 premium dining spots with Love Dining.
- Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
- Skip the S$15,000 qualification spend and enjoy a complimentary 12-month C4 tier Comoclub membership.
- Earn 2 Membership Rewardsยฎ Points for every S$1.60 spent.
- Earn 10 Membership Rewardsยฎ Points for every full S$1.60 spent at Platinum 10Xcelerator Partners.
- Membership Rewardsยฎ Points never expire.
- Permanent waiver of miles transfer fee (worth S$40).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Your Miles never expire.
- No expiry on Travel$ earned, and no conversion fee.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived.
- Read our full review of the OCBC 90ยฐN Credit Card .
- No expiry air miles
- Unlimited air miles
- Travel$ is awarded in blocks of S$5 charged to the card per transaction.
- No monthly spend required
UOB Lady's Solitaire Card
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- 10X UNI$ for every S$5 spent (equivalent to 4 miles per S$1) on 2 of your preferred rewards categories..
- Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady's Savings Account
- UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
- Complimentary travel insurance coverage of up to US$100,000.
- Complimentary e-commerce protection
- 0% LuxePay
- Local spending rebate
- Installment
- No monthly spend required
- S$120,000 annual income
- S$410.40 annual fee
- S$5 earning blocks for miles.
- Automatic UNI$ deductions
- Rebate cap applied
UOB PRVI Miles World MasterCard
- Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
- Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
- Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
- 4 complimentary lounge visits annually, exclusive for Principal Cardmembers.
- Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Choice to redeem for miles, cashback, or vouchers.
- No minimum spend and no cap on earned miles
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold membership tier. T&Cs apply.
- Get a complimentary night stay at participating Hilton properties each year.
- Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
- Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases, with no cap.
- Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express Singapore Airlines KrisFlyer Ascend Credit Card are conveniently credited directly into your KrisFlyer account.
- Accelerated upgrade to KrisFlyer Elite Gold membership tier
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Understanding Travel Credit Cards in Singapore
Travel credit cards in Singapore offer unique perks tailored for globetrotters and these cards stand out in the crowded financial market as they provide specific advantages for those who frequently jet-set across borders.
What Makes a Travel Credit Card Different?
Unlike standard credit cards, travel cards focus on rewards that benefit frequent flyers. They often provide accelerated points or miles accumulation on travel-related purchases. This makes them an attractive option when comparing travel or miles credit card in Singapore.
Benefits of Using Travel Credit Cards
Travel credit cards come packed with perks designed to enhance your journey:
-
Air miles accumulation
-
Complimentary travel insurance
-
Airport lounge access
-
Foreign transaction fee waivers
-
Exclusive travel deals and discounts
To explore additional features like free lounge access, check out credit cards that offer free access to airport lounges.
Key Features to Look for in Travel Credit Cards
When choosing a travel credit card, consider these essential features:
|
Feature |
Importance |
|---|---|
|
Rewards Rate |
Higher rates mean faster accumulation of points or miles |
|
Annual Fee |
Weigh the cost against the benefits offered and this includes annual fee waivers |
|
Foreign Transaction Fees |
Cards with no fees are ideal for overseas spending |
|
Travel Insurance Coverage |
Comprehensive coverage can save you money on separate policies |
|
Partner Airlines |
Choose cards aligned with your preferred airlines for maximum benefits |
By understanding these aspects, you can make an informed decision when selecting the best credit card for overseas spending. Remember, the right travel credit card can significantly enhance your travel experience and help you save money in the long run, perhaps even enough for an extra serving of laksa on your next trip!
Maximising Rewards with Travel Credit Cards
Travel credit cards offer fantastic opportunities to enhance your journeys. By strategically using these cards, you can accumulate points faster and enjoy a range of travel perks. Let's explore how to make the most of credit cards with travel benefits.
To maximise your rewards, consider these tips:
-
Use your card for everyday purchases to rack up points quickly
-
Take advantage of sign-up bonuses and promotional offers
-
Pay attention to category bonuses that align with your spending habits
-
Utilise partner programmes for point transfers and redemptions
When it comes to redeeming rewards, timing is crucial. Many travel credit card reviews suggest booking flights during off-peak seasons for better value. Some cards also offer travel insurance coverage, lounge access, and concierge services - be sure to tap into these benefits.
|
Reward Type |
Best Use |
Average Value |
|---|---|---|
|
Air Miles |
Long-haul flights |
S$0.02 per mile |
|
Cashback |
Hotel bookings |
1-5% of purchase |
|
Points |
Upgrades or experiences |
S$0.01 per point |
Remember, the key to maximising travel credit card benefits lies in understanding your card's features and aligning them with your travel goals. By doing so, you'll unlock a world of rewarding travel experiences, perhaps even enough for that dream holiday
Best Credit Cards for Overseas Spending
When travelling abroad, choosing the right credit card can save you money and earn rewards. Let's explore the best credit cards for overseas spending in Singapore, focusing on key factors that make them stand out.
Foreign Transaction Fee Comparison
The best overseas credit card often comes with low or no foreign transaction fees. Here's a comparison of popular cards:
|
Card |
Foreign Transaction Fee |
|---|---|
|
DBS Altitude Visa Signature |
3.25% |
|
Citi PremierMiles |
3.25% |
|
HSBC Revolution |
3.25% |
|
Standard Chartered Visa Infinite |
3.5% |
For the more savvy individuals, a common combination of cards is the Citi Rewards card and Instarem amaze card pairing where card users can earn up to four miles per dollar on overseas spends and has one of the lowest foreign currency transaction fees!
Exchange Rate Benefits
Some cards offer favourable exchange rates, giving you more value for your money. The UOB PRVI Miles Visa Card, for instance, uses Visa's wholesale exchange rate, potentially saving you up to 1% on currency conversion.
Overseas Spending Rewards
The best credit card for overseas spending should offer attractive rewards. The OCBC 90ยฐN Mastercard Card earns you 2.1 miles per S$1 spent overseas, making it a top choice for frequent travellers. The Citi PremierMiles Card offers 2 miles per S$1 on foreign currency transactions, providing excellent value for international purchases.
Remember, the ideal card depends on your specific travel needs and spending habits. Compare these features to find your perfect travel companion, and you might just save enough for an extra plate of chicken rice on your next trip!
Top Cards for Flight and Hotel Bookings
Choosing the right credit card can significantly enhance your travel experience. Some cards excel in providing exceptional rewards for flight and hotel bookings, making them the best credit card for flight booking and hotel reservations.
Let's explore some top contenders in Singapore that offer fantastic perks for travellers:
-
Citi PremierMiles Card: Earn 1.2 miles per S$1 spent locally and 2 miles per S$1 spent overseas.
-
DBS Altitude Visa Signature Card: Get up to 10 miles per S$1 on online hotel transactions.
-
OCBC 90ยฐN Mastercard Card: Earn up to 7 miles per S$1 spent on online hotel bookings.
These cards stand out as some of the best credit cards for hotel booking, offering generous rewards on accommodation expenses.
|
Card Name |
Miles Earned on Flights |
Miles Earned on Hotels |
Annual Fee |
|---|---|---|---|
|
Citi PremierMiles |
1.2 miles per S$1 (local) |
Up to 10 miles per S$1 (online) |
S$196.20 |
|
DBS Visa Signature |
Up to 6 miles per S$1 (online) |
Up to 5 miles per S$1 (online) |
S$196.20 |
|
OCBC 90ยฐN Mastercard |
1.3 miles per S$1 (local) |
Up to 7 miles per S$1 (online) |
S$196.20 |
Remember, the best card for you depends on your spending habits and travel preferences. Consider factors like annual fees, foreign transaction charges, additional perks or even credit card bonus miles offers when making your choice. With the right card, you might even earn enough miles for a free hotel stay.
Travel Credit Card Comparison: Fees, Rewards, and Perks
Let's compare the top contenders to help you find the best cards for international travel that suit your needs.
Annual Fee Comparison
Annual fees vary widely among travel credit cards. Some charge hefty sums for premium perks, while others waive fees for the first year. When doing a travel credit card comparison in Singapore, consider the value you'll get in return for these fees.
|
Card |
Annual Fee |
Fee Waiver Conditions |
|---|---|---|
|
DBS Altitude Visa Signature |
S$196.20 |
Waived for first year |
|
Citi PremierMiles |
S$196.20 |
Waived for first year |
|
UOB PRVI Miles Visa |
S$261.60 |
Waived for first year |
Rewards Rate Comparison
Rewards rates are crucial when selecting a travel credit card. Look for cards offering high miles or points per dollar spent, especially on travel-related purchases.
-
DBS Altitude Visa Signature: 1.3 miles per S$1 local spend, 2.2 miles per S$1 overseas spend
-
Citi PremierMiles: 1.2 miles per S$1 local spend, 2 miles per S$1 overseas spend
-
UOB PRVI Miles Visa: 1.4 miles per S$1 local spend, 2.4 miles per S$1 overseas spend
Travel Insurance Coverage
Travel insurance is a valuable perk offered by many travel credit cards. Coverage can include trip cancellation, lost luggage, and medical emergencies. When comparing cards, check the extent and limits of their travel insurance policies to ensure you're adequately protected on your journeys, whether you're exploring the Merlion Park or venturing further afield.
Conclusion
Choosing the best travel credit card in Singapore can make your trips more rewarding. These cards offer perks like air miles, lounge access, and travel insurance. When picking a card, think about your travel style and spending habits.
Credit cards with travel benefits come in many forms. Some are great for frequent flyers, while others suit occasional travellers. Look at annual fees, rewards rates, and foreign transaction charges to find your ideal match.
The future of travel credit cards in Singapore looks bright. As travel bounces back, we expect to see more exciting offers. Keep an eye out for new cards that might better fit your needs.
Frequently asked questions
A travel credit card is a type of credit card designed specifically for frequent travellers. It typically offers rewards and benefits tailored to travel-related expenses, such as earning air miles, hotel loyalty points, or cash back on flight and hotel bookings.
The primary benefits of using a travel credit card include earning air miles or travel rewards points that can be redeemed for flights, hotel stays, or other travel expenses. Many travel cards also offer complimentary travel insurance, airport lounge access, and other perks that can enhance your travel experience.
When choosing a travel credit card in Singapore, consider factors such as the annual fee, rewards rate, complimentary benefits (e.g., travel insurance, lounge access), foreign transaction fees, and any tie-ups with specific airlines or hotel loyalty programmes that align with your travel habits.
For overseas spending, look for credit cards with low or no foreign transaction fees, favourable exchange rates, and rewards or cashback on international purchases. These features can help minimise costs and maximise savings while travelling abroad.
Yes, some credit cards in Singapore offer enhanced rewards or discounts when used to book flights and hotels. These cards may have partnerships with specific airlines or hotel chains, or provide bonus points or miles for travel-related purchases.
When comparing travel credit card rewards and perks, consider the annual fee, rewards rate (e.g., miles or points earned per dollar spent), travel insurance coverage, airport lounge access, and any special promotions or bonuses offered by the card issuer.
To maximise the benefits of your travel credit card, use it for all eligible purchases, especially travel-related expenses. Take advantage of sign-up bonuses, seasonal promotions, and category-specific rewards. Also, make sure to redeem your points or miles strategically for the best value, such as during off-peak travel seasons or for premium class upgrades.
Yes, most Singapore travel credit cards can be used for international transactions. However, it's important to check the foreign transaction fees and currency conversion rates associated with your card. Some cards offer more favourable terms for overseas spending, which can lead to significant savings on your travels.
Many travel credit cards in Singapore offer complimentary travel insurance as part of their benefits package. The coverage can vary widely between cards, so it's important to review the policy details. Some cards may require you to charge your travel expenses to the card to activate the insurance coverage.
Air miles are typically earned based on your spending with the credit card. The earn rate can vary depending on the type of purchase and the specific card. These miles can then be redeemed for flights, upgrades, or other travel-related rewards. Some cards allow you to transfer miles to multiple airline loyalty programs, offering greater flexibility in how you use your rewards.
Whether an annual fee is worth it depends on your travel habits and spending patterns. Cards with higher annual fees often come with more premium benefits like higher rewards rates, airport lounge access, and comprehensive travel insurance. If you travel frequently and can take advantage of these perks, the benefits may outweigh the cost of the annual fee.