Best Credit Cards For Agoda Promotions (2024)

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.

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.

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. 

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 2.2 mpd on foreign spend. This means you can earn 6.2 mpd for local transactions, and 7.2 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.

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.

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. 

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.

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. 

Both the UOB Lady’s Card and UOB Lady’s Solitaire Card currently offer an earning rate for miles at 4 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$2,000 per calendar month for the UOB Lady’s Solitaire Card.

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

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

Read more:
How to Earn KrisFlyer Miles Quickly
Singapore Airlines KrisFlyer Miles Redemption Guide
How to Transfer and Use KrisFlyer Miles For Someone Else?
Best Air Miles & KrisFlyer Credit Cards in Singapore

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. This card also offers 4.3 mpd on Agoda bookings made on DBS Travel & Leisure Marketplace (TMP). Plus, it gives you two complimentary lounge visits per year, a bonus of 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.

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.

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.

The DBS Live Fresh Card is currently offering 7% off hotel bookings on Agoda. Note that the booking period is valid till 31 Dec 2025 and the stay period is valid till 31 Mar 2026.

The discount is also only valid for hotels that have the “Promotion Eligible” banner on the search results page and “Pre paid”, “Pay now” and “Book Now, Pay later” room types only. So, keep an eye out for these banners! Find out more on their promotion page.

As a whole, the DBS Live Fresh Card offers up to 6% cashback on local and overseas shopping spend and transport spend, which means that you can bring the card along with you during your out-of-the-country trip and still earn cashback.

Note that the cashback is capped at S$70 per month, a split of S$50 for shopping spend and S$20 on transport spend. It also has a minimum spend of S$800. But, if you're not confident you'll meet the requirement, this card has a 0.3% unlimited base cashback rate on all other eligible spend. This allows cardholders to still earn cashback with no cap on all spend.

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.

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.