Think of Visa Signature as a step up from the standard Visa card. It signals a collection of valuable benefits and perks that come with specific Visa credit cards, which is organised into three benefit tiers with Signature sitting right in the middle. You get more advantages than the entry-level Visa Classic/Platinum cards, but not quite the premium offerings of the top-tier Visa Infinite cards.

To give you a clearer picture, here's a brief rundown of what Visa Signature typically offers, along with some tips on how to really make the most of the benefits open to you.

Below is a list of some of the most common benefits associated with Visa Signature cards:

• Global ATM network with more than 1.9 million locations worldwide

• Visa Concierge App that allows you to access 24/7 customer service and manage your bookings seamlessly 

• Timely customer assistance and emergency cash disbursement should you lose your card overseas 

• Exclusive deals, discounts and privileges only available to cardholders

Visa Benefits vs. Issuer Benefits

While your Visa card proudly displays the Visa logo, the truth is that most of the everyday features – like how many rewards points you earn, the size of welcome bonuses, interest rates, and those pesky fees – are actually set by the bank that issued your card (such as DBS, UOB, OCBC and more).

Here are some important points to take note of when it comes to benefits:

• Visa provides a menu of potential perks for cards branded as Visa Signature. However, it's the issuing bank that ultimately decides which of these Signature benefits will be included on your specific card.

• Interestingly, many banks go beyond the standard Visa Signature offerings and provide their own set of benefits. These bank-specific perks can sometimes be much more valuable than what Visa Signature itself offers.

How it works

Visa Signature cardholders can benefit from eCommerce Purchase Protection, providing extra security and confidence when you shop online. When you use your Visa card for online purchases, you are automatically covered for potential losses up to USD 200 per claim annually for these situations:

• Your purchased items aren’t delivered or arrive incomplete

• Delivered items don't work due to physical damage

This new benefit, offered by AIG and sponsored by Visa, doesn't require any sign-up for your card or individual purchases. Just remember to always use your Visa card to complete your online purchases in order to be eligible for a claim. 

Things to consider

Claims have to be made on the AIG portal: It is worth familiarising yourself with the AIG portal for Visa cardholders, where you can find out more about the terms and conditions of the coverage available to you as well as download a claim form.

How it works

Make dining reservations, book flights and live your best life with the help of Visa Concierge App. Offering a personalised experience for Visa Signature cardholders, the app allows users to reach out to a 24/7 customer service team that can assist with anything you need.

With the app, you can:

• Book flights, activities and accommodation

• Receive updates on the status of your bookings anytime, anywhere

• Enjoy exclusive rates on limousine bookings

• Receive instant customer service in multiple languages, whether you require emergency help overseas or simply have a problem with your booking(s)

Things to consider

Keep in mind the costs involved: When making bookings on the Visa Concierge App, you will still have to pay for the reservations you make – only the service is free.

Country-specific help is available: Visa Concierge has country-specific contacts cardholders can make use of while travelling. It’s a good idea to note down the applicable numbers before your trip in case you need help.

How it works

Love travelling, but hate the hassle of going through immigration and arranging transport when you touch down at your destination? You can tap on the meet & assist service offered in partnership with Visa to get fast tracked through immigration at more than 450 international airports! What’s more, you can arrange for an airport transfer limousine service in over 83 countries, encompassing 3,000 cities around the world.

Both services are available at a 20% discount for Visa Signature cardholders. 

Things to consider

Pre-booking is essential: Remember to book your meet & assist and/or limousine services at least 72 hours before commencing travel.

Avoid cancellations and no shows: You will be charged if you cancel your booked service with less than 48 hours notice or fail to show up.

How it works

Visa Signature cardholders get to enjoy exclusive perks and offers, particularly when it comes to travel deals. This includes discounted prices on flights, hotels, attractions, rental car bookings and more. Wherever in the world you are heading to, it’s likely you will find a deal just for you!

Things to consider

Offers are updated regularly: Be sure to check back on the latest offers and perks from time to time – who knows, you may find something new.

Besides the main benefits outlined above, here is a list of additional benefits Visa Signature cardholders can enjoy: 

• Cardholder inquiry service: Whether you have questions about your card or any issuer-provided services, Visa’s customer service channels are here to help. Cardholders based in Singapore can call the toll free number at 800-110-0344.

• Lost/stolen card reporting: If your card gets lost or stolen, you can expect to get a replacement within 1 to 3 business days. If you are overseas, Visa will expedite the process to get an emergency card to you!

• Emergency cash disbursement: While waiting for your replacement card to arrive, Visa can arrange for cash to be picked up at a location near you.

Many banks that issue Visa Signature cards sweeten the deal with their own unique perks, going above and beyond the standard Visa Signature benefits. However, it's crucial to understand that these aren't part of the core Visa Signature offering, but decided upon and provided by the individual bank. These issuer-specific benefits can include:

• Cashback on spending across specific categories such as dining, shopping and entertainment

• Complimentary Priority Pass membership that allows cardholders access to airport lounges around the world

• Travel insurance coverage and airport lounge access

• Exclusive deals at selected hotels, restaurants and retail outlets

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