Best Overseas Spending Credit Cards in Singapore (2020)

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Citi Cash Back Card

Citi Cash Back Card

SingSaver's Exclusive Offer
Citi Cash Back Card
3.25%
Foreign Currency Transaction Fee
SingSaver's Exclusive Offer:
Get S$200 cash via PayNow! T&Cs apply.

Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card
3%
Overseas Spending - Cashback Rateon online spends in foreign currency and all vPost spend
3%
Overseas Online Shopping - Cashback Rateon online spends in foreign currency and all vPost spend
3.5%
Foreign Currency Transaction Fee
OCBC 90°N Card

OCBC 90°N Card

Popular
OCBC 90°N Card
2.1Miles Per Dollar
Overseas Spending
1.2Miles Per Dollar
Local Spending
3.25%
Foreign Currency Transaction Fee
UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

Popular
UOB PRVI Miles American Express Card
2.4Miles Per Dollar
Overseas Spending
1.4Miles Per Dollar
Local Spendingon local spending
3.25%
Foreign Currency Transaction Fee
Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

SingSaver's Exclusive Offer
Maybank Horizon Visa Signature Card
2Miles Per Dollar
Overseas Spendingon overseas spend
2.75%
Foreign Currency Transaction Fee
SingSaver's Exclusive Offer:
Get S$30 via PayNow and S$100 cashback when you apply. Valid till 31 Aug. T&Cs apply.
UOB YOLO Card

UOB YOLO Card

Welcome Gift
UOB YOLO Card
3.1%
Foreign Currency Transaction Fee
Welcome Gift:
Receive S$150 cash credit and SingSaver-exclusive $20 cash when you apply now. T&Cs apply.
Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

SingSaver's Exclusive Offer
Standard Chartered Rewards+ Credit Card
3.5%
Foreign Currency Transaction Fee
SingSaver's Exclusive Offer:
Get a Nespresso Inissia Coffee Machine & Aeroccino 4 Milk Frother (worth S$346). T&Cs apply.
American Express True Cashback Card

American Express True Cashback Card

Popular
American Express True Cashback Card
2.95%
Foreign Currency Transaction Fee

Why get a credit card for overseas spending?
Some credit cards reward you with additional cashback or miles for spending in foreign currencies. For example, the UOB PRVI Miles Card earns you 1.4 mpd for local spend, but offers an enticing 2.4 mpd for overseas spending.

Who should get a credit card that rewards you for overseas spending?
Those of you who frequently make transactions in foreign currencies. Some examples of such activities include:

  • Making online purchases from overseas retailers in foreign currency
  • Travelling overseas, be it for business or leisure

What is a foreign currency transaction fee?
This is a fee charged by the bank for transactions made overseas or through an online merchant based overseas. Foreign currency transaction fees can range from 2.5% to 3.5%.

Why pay in foreign currency when you can pay in Singapore dollars (SGD)?
When spending overseas, the option to pay in SGD can be offered through a Dynamic Currency Conversion (DCC). However, you often end up paying more with the DCC than in foreign currency, where the bank handles the conversion and charges you the transaction fee. You also miss out on the extra credit card perks you get from paying in foreign currency.

Here are more reasons why you should not pay in SGD when swiping your credit card abroad.

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What is a business credit card?

Difference between Business Credit Card vs. Personal Credit Card?

What are the types of business credit cards?

How do I qualify for a business credit card?

Do I need a business credit card for my small business?

How to apply for a business credit card?

What are the fees and charges for business credit cards?

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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