Revolut Ultra: Is this new S$899 debit card worth the price tag?
Updated: 1 Sept 2026
Written byAaron Wong
The Milelion
Disclaimer: The information on this page is for general educational and informational purposes only and should not be considered financial or investment advice.
Revolut Ultra has made its debut in Singapore, more than three years after first launching in Europe and the UK.
The price tag? A hefty S$899 per year.
This may come as a shock if your experience with Revolut is limited to the free-to-own Standard version. But Revolut Ultra is a different beast entirely, with unlimited airport lounge access and fast track passes, monthly roaming data, and a premium subscription bundle which — according to Revolut anyway — is valued at more than S$6,000 per year.
Revolut positions Ultra as a “subscription to luxury”, intended for entrepreneurs, independent consultants and creators whose income may not qualify them for traditional credit cards.
So is this a subscription worth taking up?
How much does Revolut Ultra cost?
Like all other tiers, Revolut Ultra customers have the option of choosing a monthly or annual subscription.
|
Tier |
Monthly Price |
Annual Price |
|
Ultra |
S$89.99 |
S$899 |
|
Metal |
S$21.99 |
S$219 |
|
Premium |
S$10.99 |
S$109 |
|
Standard |
Free |
Free |
Monthly subscribers pay S$89.99 per month, with a special introductory price of S$80.99 for the first three months. Alternatively, they can pay S$899 per year.
Even if you go with the cheaper annual subscription, this is still a very steep price point. Revolut Ultra cost more than the Citi Prestige (S$651.82), OCBC VOYAGE (S$488) and UOB Visa Infinite Metal Card (S$654), which form the mass affluent segment for credit cards. That said, it’s not nearly as pricey as the Standard Chartered Beyond (S$1,635) or AMEX Platinum Charge (S$1,744), so keep that in mind when evaluating what it brings to the table.
Before You Compare
Check your real travel frequency
Count actual trips per year. Lounge and fast-track value only stacks with regular flying.
Tally your existing subscriptions
List services you already pay for that overlap with the bundle, like Foodpanda.
Confirm it's a debit, not credit card
Funds are deducted immediately, unlike a credit card's billing cycle protection.
Compare against your current premium card
Weigh Ultra's perks against what your existing credit card already offers.
What benefits does the Revolut Ultra offer?
1.5% cashback on all spending
Revolut Ultra offers 1.5% cashback on all spending, whether in local or foreign currency.
The maximum cashback is capped at S$89.99 per month — equivalent to the regular monthly fee — which means that you won’t trigger the cap unless you spend more than S$6,000.
To be clear: you shouldn’t be using this card for spending within Singapore, where better alternatives earning 1.6-2% cashback exist (e.g. Citi Cash Back+ Card, OCBC Infinity Cashback Card, UOB Absolute Cashback Card or DCS Ultimate Cashback).
It’s much more competitive for overseas spending, however, thanks to the lack of a foreign currency (FCY) transaction fee. Its closest competitor would be the Mari Credit Card, which offers 1.5% cashback until 31 December 2026, but capped at S$22.50 per month.
Unlimited airport lounge access
Revolut Ultra offers unlimited lounge access via LoungeKey.
There are some drawbacks, however:
-
No guest allowance is included
-
Access is limited to one visit per two-hour period
-
Non-lounge experiences like restaurants and spas are not included
Revolut has also disclosed that it’s planning to open its own Revolut Lounge network, starting in 2027 with Copenhagen Airport. I would assume that Ultra members would receive unlimited visits at these lounges too, though it’s unlikely we’ll see one in Asia in the near future.
Unlimited airport fast track passes
Revolut Ultra offers unlimited airport fast-track passes, which allow you to skip the immigration queues at participating airports such as Barcelona, Beijing, Da Nang, Hanoi, Ho Chi Minh, Phuket, Rome and Shanghai.
Again, there is no guest allowance here, so the benefit covers the cardholder only.
5GB of monthly roaming data
Revolut Ultra offers 5GB of roaming data each month, which can be used across more than 100 countries.
This is on top of the FlexiRoam plan offered to World Elite Mastercard customers (more on that below).
S$3,500 of fee-free ATM withdrawals per month
Revolut Ultra offers up to S$3,500 of fee-free ATM withdrawals each month, which is a significant step up from Metal (S$1,050), Premium (S$700) and Standard (S$350 or five withdrawals, whichever comes first).
Any withdrawals beyond the monthly limit will be charged a 2% fee, with a minimum of S$1.49
Do note that while Revolut does not charge any fees, the ATM operator may charge fees of its own. It’s a good idea to research the country beforehand and look for fee-free local ATMs (e.g. Seven Bank in Japan, Cathay United Bank in Taiwan).
Subscription bundle
Revolut Ultra comes with bundled subscriptions to services like ChatGPT, Financial Times, Foodpanda, NordVPN and WeWork.
To help better contextualise the savings, I’ve included how much each of these would normally cost per month — though it should be noted that annual subscriptions can offer significantly better savings.
|
Partner |
Privilege |
Monthly Price* |
|
ChatGPT |
12 months of Go for 2 users |
S$11 |
|
ClassPass |
20 credits per month |
~S$2.20 per credit |
|
Duolingo |
Super |
S$13.98 |
|
Financial Times |
Premium Digital |
S$99 |
|
Flo |
Premium |
S$11.99 |
|
Foodpanda |
Pandapro |
S$5.99 |
|
Freeletics |
Coach |
S$26.16 |
|
Headspace |
Premium |
US$12.99 |
|
Headway |
Premium |
S$17.98 |
|
Laundryheap |
S$15 credit per month |
S$15 |
|
Lovable |
Lite |
US$25 |
|
MasterClass |
Full access |
S$16.05^ |
|
NordVPN |
Complete |
S$5.79 |
|
Picsart |
Pro |
US$15 |
|
Sleep Cycle |
Premium |
S$10.99 |
|
The Athletic |
Subscription |
US$2 |
|
Tinder |
Gold |
S$56 |
|
WeWork |
3 passes per month |
Day passes in SG range from S$60 to S$75 |
|
^Using Plus tier as a proxy |
||
World Elite Mastercard benefits
Revolut Ultra is a World Elite Mastercard, which means that customers enjoy additional travel and lifestyle benefits including:
-
Annual 3GB data package from FlexiRoam
-
Avis President’s Club status
-
GHA DISCOVERY Titanium status
-
MyMillennium Prestige status
-
HoteLux Elite Plus membership
-
Wyndham Rewards Diamond status
A full list of benefits can be found here.
Is it worth it?
The way I see it, there are three main benefits to focus on here.
Unlimited lounge access is a perk that is usually reserved for premium credit cards with hefty annual fees, such as the OCBC VOYAGE (S$488), StanChart Beyond (S$1,635) and AMEX Platinum Charge (S$1,744).
If you’re a frequent traveller, the savings from this perk could rack up quickly — though the value is hampered somewhat by the lack of a guest allowance, the two-hour timeout between lounge visits, and the exclusion of airport restaurants and spas.
Unlimited airport fast-track is a unique benefit that is not currently offered by any other card on the market (the HSBC Visa Infinite’s fast-track benefit requires meeting a certain minimum spend — and in any case, this card is no longer accepting new applications). Again, frequent travellers may find this very valuable, assuming they don’t already have membership in a trusted traveller programme like the APEC Business Travel Card.
But the biggest deciding factor here is really how much you value the subscription bundle. If you’re already paying for many of these services, then enjoying them through Revolut could lead to significant savings. It’s highly subjective, but I’d personally find ChatGPT, Financial Times, Foodpanda, NordVPN and WeWork to be things that I’d pay for otherwise. That said, it’s worth remembering that the cheaper Revolut Metal plan also includes many of these subscriptions, so that could be sufficient for some people’s needs.
As for the rest of the perks, the World Elite Mastercard benefits are not unique to the Revolut, many mobile plans in Singapore already include a certain amount of global data roaming, and fee-free overseas ATM withdrawals can also be enjoyed by Trust Bank customers.
Some precautions about debit cards
If you’ve decided to go with the Revolut Ultra, here’s a reminder that it’s a debit card, not a credit card. The distinction is important when it comes to fraud risk and authorisation holds.
Fraud risk
Any transactions charged to a debit card, whether fraudulent or legitimate, are immediately deducted from your account. While there’s a process to dispute fraudulent transactions and recover your funds, you will likely be out of pocket for the period of the investigation.
In contrast, if your credit card gets hit by a fraudulent transaction, there is no immediate deduction of funds. You can spot the fraudulent transaction on your statement and open a dispute with the bank, and in the majority of cases, you should receive a temporary credit to offset the disputed amount while investigations are carried out.
Therefore, if you plan to use a debit card, I'd highly advise you to lock it whenever it's not in use.
Authorisation holds
When you rent a car or check into a hotel, you may be asked to provide a card for security.
If you provide a credit card, a certain amount of your credit limit may be earmarked, but there's no actual deduction of funds. If you provide a debit card, the hold amount is deducted from your available funds, leaving you with less money on hand.
For instance, if you have a US$1,000 balance on your Revolut card and use it to guarantee a rental car, and the rental company has a US$400 hold, you only have US$600 left to spend. When the hold is released, you may also lose out due to FX movements in the interim period.
Therefore, it’s always a better idea to provide a credit card for authorisation holds.
Conclusion
At S$899 a year, Revolut Ultra is certainly not cheap, and not something I’d recommend simply for the 1.5% cashback or the ancillary World Elite Mastercard perks.
But the value proposition improves significantly if you’re a frequent traveller who can make full use of the unlimited lounge access and airport fast track benefits, while also heavily utilising the bundled subscriptions. If you only travel a few times a year, or if you don’t already subscribe to any of these services, then it’s much harder to justify the expense.
So I’d ultimately consider this a niche product rather than a must-have card. I think it’s also worth exploring whether the cheaper Metal plan would offer sufficient benefits, before signing up for a big commitment like this.
About the author
Aaron Wong
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.
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.