All Travel Cards Airport Lounge & Transfer Travel Sign-up Gifts Annual Fee Waiver Go to: Promo - Bonus Miles Go to: Overseas

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Best Travel Credit Cards in Singapore 2024 for Overseas Spending

Q: Why should I get a credit card when I travel?

Using a credit card when you travel offers several benefits:Cashless transactions for added security and convenience.Widely accepted globally, making it easy to use for expenses.Travel rebates like bonus miles or cashback on specific spending categories to accumulate miles faster.Complimentary travel insurance for peace of mind.Complimentary airport lounge access for comfort during layovers and regular flight departures.Waived foreign transaction fees saves you the extra cost incurred by currency conversion.24/7 emergency support and fraud protection.Easy expense tracking with detailed statements.Rental car benefits, including insurance coverage.24/7 concierge service offered by premium credit cards (e.g. Visa Infinite cards) to facilitate travel-related bookings and provide other assistance on cardmember’s behalf.

Discover the top-rated travel credit cards in Singapore for 2024, offering exceptional perks, benefits, travel insurance, and other rewards for travellers from all walks of life! Maximise your miles, cashback, and rewards earnings while spending on hotels, flights, and overseas transaction fees.

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All Travel Cards Airport Lounge & Transfer Travel Sign-up Gifts Annual Fee Waiver Go to: Promo - Bonus Miles Go to: Overseas

CIMB Visa Signature Card

Cashback Travel

10 %

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On Cruises spending only. Minimum spend of S$800 in same statement month, and capped at S$20 per category.

Cashback Overseas

0.2 %

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Unlimited 0.2% cashback on all other spends.

Annual Fee Waiver

No Annual Fee

Monthly Spend Required

S$ 800

Offer Available

Best Deal Guarantee

S$280 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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Online shopping rebate

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Supermarket rebate

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Annual Fee waiver

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Rebate cap applied

HSBC Revolution Credit Card

Airmiles Travel

4 miles per dollar

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On online purchases and contactless payment (Cruise Lines and Travel Agencies).

Airmiles Local Online Shopping

4 miles per dollar

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On online department and retail store purchases.

Monthly Spend Required

None

Annual Fee

No Annual Fee

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

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Mobile contactless rebate

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Online shopping rebate

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Travel rebate

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No Annual Fee

10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
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 & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
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 homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

KrisFlyer UOB Credit Card

Airmiles Travel

3 miles per dollar

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Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.

Airmiles Dining

3 miles per dollar

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Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

31,000 miles plus first year annual fee waived (S$194.40 incl. GST)

Valid until

30 April 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Annual Fee waiver

remove

Monthly spend required

Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
No cap on KrisFlyer miles earned.
Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
Complimentary travel insurance of up to S$500,000.
No conversion fees.
More miles with every spend.
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
Periodic discounts on KrisFlyer Experiences
Exclusive privileges on Scoot, KrisShop, Grab and more.
Read our full review of the KrisFlyer UOB Credit Card.
Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.

HSBC TravelOne Credit Card

Airmiles Overseas

2.4 miles per dollar

Airmiles Local

1.2 miles per dollar

Airport Lounge Access

4 visits per year*

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Apply for DragonPass Membership (complimentary for cardholders).

Annual Fee

S$ 196.2

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

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Unlimited air miles

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Airport lounge

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Travel insurance

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Bonus air miles

OCBC 90°N Visa Card

Airmiles Overseas

2.1 miles per dollar

Airmiles Local

1.3 miles per dollar

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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Unlimited air miles

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No expiry air miles

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Bonus air miles

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Gift: Apple product

Citi PremierMiles Card

Airmiles Overseas

2 miles per dollar

Airmiles Local

1.2 miles per dollar

Airport Lounge Access

2 visits per year*

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Priority Pass membership is on application basis and is reserved for the Principal cardmember only.

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

02 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

02 May 2024

Best Deal Guarantee

Apple iPad 10th Gen WiFi 64GB (worth S$691.60)

Valid until

02 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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No expiry air miles

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Airport lounge

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Travel rebate

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Gift: Apple product

1.2 miles per S$1 spent locally.
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.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 10th Gen WiFi 64GB (worth S$691.60); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

Standard Chartered Journey Credit Card

Airmiles Overseas

2 miles per dollar

Airmiles Local

1.2 miles per dollar

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived (Optional)

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$160

Valid until

12 May 2024

Welcome Offer

Up to 45,000 miles

Valid until

30 June 2024

Things to consider for this product:

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Bonus air miles

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No expiry air miles

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Airport lounge

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Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
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 – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Up to S$160

Gift Options

Up to 45,000 miles

Citi Cash Back+ Card

Cashback Overseas

1.6 %

Cashback Base Rate

1.6 %

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On all spends

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

02 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

02 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

02 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

02 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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High-value gift

Gift Options

Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

Standard Chartered Simply Cash Credit Card

Cashback Overseas

1.5 %

Cashback Travel

1.5 %

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Two Years Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

12 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

12 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

12 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

12 May 2024

Best Deal Guarantee

The Morning Machine + 20 Capsules Bundle (worth S$684)

Valid until

12 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$420

Valid until

12 May 2024

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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Installment

Gift Options

Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420

CIMB World Mastercard

Cashback Overseas

1 %

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On all other spend

Cashback Retail

2 %

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With $1,000 min. spend posted in the same statement month. No cap.

Monthly Spend Required

S$ 1,000 per month

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To earn 2% cashback on eligible merchant categories, no cap. Otherwise, min. S$500 spend per statement month to earn 1% cashback, no cap.

Annual Fee

No Annual Fee

Offer Available

Best Deal Guarantee

S$280 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

Citi Rewards Card

Airmiles Transport

4 miles per dollar

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On ride-sharing services only.

Airmiles Local Online Shopping

4 miles per dollar

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

02 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

02 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

02 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

02 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.

Gift Options

Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

UOB One Card

Cashback Transport

Up to 10 %

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Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded $200 quarterly cashback will get an additional 6.67% cashback on the total Dairy Farm International such as SimplyGo (bus and train rides).

TI Death & Disablement Coverage

Up to S$ 500,000

Monthly Spend Required

S$ 2,000

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To earn up to 15% cashback.

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2024

Things to consider for this product:

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Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

OCBC Rewards Credit Card

Rewards Points Overseas Spending

10 OCBC$ per dollar

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Capped at 120,000 OCBC$ per anniversary year.

Rewards Points Transport

1 OCBC$ per dollar

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

UOB EVOL Card

Cashback Transport

8 %

TI Death & Disablement Coverage

Up to S$ 500,000

Monthly Spend Required

S$ 600 per month

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Capped at S$60 cashback per month, S$20 per online, contactless, and all other spend categories.

Annual Fee Waiver

1 year

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2024

Things to consider for this product:

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Online shopping rebate

check

Mobile contactless rebate

remove

Monthly spend required

remove

Rebate cap applied

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Airmiles Overseas

2 miles per dollar

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In June and December.

Airport Lounge Access

4 visits per year*

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Complimentary access to SATS and Plaza Premium Lounges upon Card approval and fully paid renewal of Card membership.

TI Death & Disablement Coverage

Up to S$ 1,000,000

TI Flight Cancellation/Delay

Up to S$ 400

2 Offers Available

Welcome Offer

Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers

Valid until

30 April 2024

Welcome Offer

Up to 34,000 KrisFlyer miles

Valid until

30 April 2024

Things to consider for this product:

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Unlimited air miles

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Airport lounge

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Travel insurance

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Annual Fee required

Gift Options

Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers

Gift Options

Up to 34,000 KrisFlyer miles

UOB Absolute Cashback Card

Cashback Travel

1.7 %

TI Death & Disablement Coverage

Up to S$ 500,000

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2024

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Insurance rebate

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Local spending rebate

CIMB Visa Infinite Card

Cashback Travel

Unlimited 2 %

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2% cashback on overseas and travel related spend with $2,000 min. spend posted in the same statement month. No cap.

Cashback Overseas

Unlimited 2 %

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2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Monthly Spend Required

S$ 2,000

Annual Fee

No Annual Fee

Offer Available

Best Deal Guarantee

S$280 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

check

No rebate cap

check

Airport lounge

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Travel insurance

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Annual Fee waiver

HSBC Advance Credit Card

Cashback Overseas

2.5 %

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With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.

Cashback Local

2.5 %

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With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.

Monthly Spend Required

S$ 0

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For base 1.5% cashback. Min. spend of S$2,000 for 2.5% cashback.

Annual Fee

S$ 196.2

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First Year Fee Waived, Perpetual fee waiver for HSBC Advance banking customers.

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

check

No monthly spend required

check

Travel insurance

check

Annual Fee waiver

remove

Rebate cap applied

HSBC Visa Platinum Credit Card

Cashback Overseas

5 %

Cashback Supermarket

5 %

Monthly Spend Required

S$ 600 per month

info

For 3 consecutive months, capped at S$250 cashback per quarter.

Annual Fee

S$ 196.2

info

First Two Years Waived

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

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Dining rebate

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Supermarket rebate

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Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

Rewards Points Travel

UNI$ 25 for every S$5 spent

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Choose one of these categories per quarter: beauty & wellness, dining, entertainment, grocery, children and infant wear stores, fashion, public transport, taxi and ride-hailing, hotels, and flights.

Rewards Points Transport

UNI$ 25 for every S$5 spent

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Choose one of these categories per quarter: beauty & wellness, dining, entertainment, grocery, children and infant wear stores, fashion, public transport, taxi and ride-hailing, hotels, and flights.

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Welcome Offer

Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)

Valid until

30 June 2024

Welcome Offer

Jo Malone Cologne 30ml (worth S$120)

Valid until

30 April 2024

Things to consider for this product:

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Local spending rebate

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Installment

check

No monthly spend required

remove

Rebate cap applied

OCBC 90°N Mastercard

Airmiles Overseas

2.1 miles per dollar

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Get up to

Airmiles Local

1.3 miles per dollar

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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No expiry air miles

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Unlimited air miles

check

Gift: Apple product

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No monthly spend required

UOB PRVI Miles World MasterCard

Airmiles Overseas

2.4 miles per dollar

Airmiles Local

1.4 miles per dollar

Monthly Spend Required

None

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

30 April 2024

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

30 April 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

check

No monthly spend required

Standard Chartered Rewards+ Credit Card

Rewards Points Overseas Spending

10 points per dollar

info

Overseas retail, dining and travel.

Rewards Points Dining

5 points per dollar

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On dining transactions in SGD. Up to 10 360° Reward Points for overseas retail transactions.

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

12 May 2024

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$340

Valid until

12 May 2024

Things to consider for this product:

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Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

American Express Platinum Credit Card

Airmiles Overseas

0.69 miles per S$1.60 spent

Monthly Spend Required

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Annual Fee

S$ 327

2 Offers Available

Welcome Offer

Get up to 60,000 Membership Rewards® points

Valid until

30 April 2024

Welcome Offer

Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points

Valid until

30 April 2024

Things to consider for this product:

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Unlimited air miles

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Dining savings

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Annual Fee required

Gift Options

Get up to 60,000 Membership Rewards® points

Gift Options

Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points

American Express Platinum Card

Airmiles Flight Booking

Up to 1.73 miles

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With SIA and Scoot.

Airport Lounge Access

Unlimited

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Participating lounges: - The Centurion® Lounge - International American Express Lounges - Delta SkyCLub® Lounges - Plaza Premium Airport Lounges - Priority PassTM Lounges

Monthly Spend Required

None

Annual Fee

S$ 1,744

2 Offers Available

Welcome Offer

Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)

Valid until

30 April 2024

Welcome Offer

135,000 Membership Rewards® points (Upsized for Existing Cardmembers)

Valid until

30 April 2024

Things to consider for this product:

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Bonus air miles

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Dining savings

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Airport lounge

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Annual Fee required

Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).

Gift Options

Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)

Gift Options

135,000 Membership Rewards® points (Upsized for Existing Cardmembers)

DBS Live Fresh Card

Cashback Transport

Up to 6 %

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On Transport spend. Capped at S$20 per calendar month.

Cashback Travel

0.3 %

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Unlimited base cashback on All spend.

Cashback Retail

Up to 6 %

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On Shopping spend. Capped at S$50 per calendar month.

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

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Online Rebate

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Shopping

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Public transportation

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Rebate cap applied

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Monthly spend required

DBS yuu American Express Card

Cashback Travel

0.5 %

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1x yuu Point per S$1

Cashback Overseas

0.5 %

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1x yuu Point per S$1

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Welcome Offer

S$60 cashback

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Dining rebate

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Rebate cap applied

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Monthly spend required

DBS yuu Visa Card

Cashback Travel

0.5 %

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1x yuu Point per S$1

Cashback Overseas

0.5 %

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1x yuu Point per S$1

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Dining rebate

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Rebate cap applied

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Monthly spend required

DBS Vantage Visa Infinite Card

Airmiles Travel

6 miles per dollar

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6 miles per dollar when you book a flight ticket, hotel stay or travel package on Expedia at any participating airline or hotel partners.

Airmiles Overseas

2.2 miles per dollar

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S$1 overseas spend = 2.2 miles

Monthly Spend Required

S$ 2,000 per month

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Otherwise 1 miles per dollar for both local and foreign currency spend. (calendar month)

Annual Fee

S$ 599.5

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Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.

Offer Available

Welcome Offer

Up to 85,000 miles

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Local spending rebate

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Overseas rebate

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Airport lounge

1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
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).

DBS Woman's World Card

Airmiles Overseas

4 miles per dollar

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10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).

Airmiles Hotel Booking

4 miles per dollar

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10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

DCS Ultimate Platinum Mastercard

Cashback Travel

2 %

Cashback Overseas

2 %

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Card transactions made in foreign currencies will be converted to Singapore Dollars based on a retail rate by DCS plus a conversion commission.

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

Things to consider for this product:

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Online shopping rebate

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Travel insurance

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No monthly spend required

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Rebate cap applied

DCS Ultimate Platinum UnionPay Card

Cashback Overseas

2 %

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No minimum spend; cashback is capped at S$200 per calendar month.

Complimentary Travel Insurance

Up to S$1,000,000

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

Things to consider for this product:

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Online shopping rebate

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Travel insurance

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No monthly spend required

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Rebate cap applied

DBS Woman's Card

Rewards Points Travel

Up to 5 DBS Points

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Or 2 miles per dollar per S$1, online only.

Rewards Points Taxi Ride Sharing

Up to 5 DBS Points

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Or 2 miles per dollar per S$1, online only.

Monthly Spend Required

None

Annual Fee

S$ 163.5

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

DBS Altitude Visa Signature Card

Airmiles Hotel Booking

Up to 10 miles per dollar

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S$1 = 10 miles on hotel transactions on Kaligo; S$1 = 6 miles on hotel and travel packages on Expedia.

Airmiles Flight Booking

6 miles per dollar

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S$1 = 6 miles on flight, hotel, and travel packages at Expedia.

Airport Lounge Access

2 visits per year*

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Lounge visits Priority Pass

Monthly Spend Required

None

2 Offers Available

Welcome Offer

Up to 53,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 43,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

OCBC NXT Credit Card

Cashback Travel

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

Cashback Overseas

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

Monthly Spend Required

None

Annual Fee

S$ 163.5

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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Installment

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Rebate cap applied

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Monthly spend required

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Annual Fee required

DBS Altitude American Express Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Complimentary Travel Insurance

Not Available

2 Offers Available

Welcome Offer

Up to 60,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 50,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

UOB PRVI Miles American Express Card

Airmiles Hotel Booking

Up to 6 miles per dollar

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On bookings made on Agoda, Expedia, and UOB Travel.

Airmiles Overseas

2.4 miles per dollar

Airmiles Local

1.4 miles per dollar

Annual Fee

S$ 261.6

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First Year Waived

2 Offers Available

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

30 April 2024

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

30 April 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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No monthly spend required

Earn 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.

American Express Singapore Airlines Business Credit Card

Airmiles Local

1.8 HighFlyer points

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Per S$1

Airmiles Travel

1.8 HighFlyer points

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Per S$1

Airport Lounge Access

2 visits per year*

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Lounge visits Priority Pass.

2 Offers Available

Welcome Offer

68,000 HighFlyer points (worth S$647)

Valid until

29 May 2024

Welcome Offer

Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points

Valid until

29 May 2024

Things to consider for this product:

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Bonus air miles

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Airport lounge

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Air ticket rebate

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Rebate cap applied

Maybank Platinum Visa Card

Cashback Overseas

Up to 3.33 %

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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.

Cashback Local

Up to 3.33 %

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Monthly Spend Required

S$ 300

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Capped at S$30 cashback per quarter.

Annual Fee

S$ 21.8

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First Three Years Waived

Things to consider for this product:

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Local spending rebate

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Overseas rebate

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Annual Fee waiver

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Rebate cap applied

UOB PRVI Miles Visa Card

Airmiles Overseas

2.4 miles per dollar

Airmiles Local

1.4 miles per dollar

Annual Fee

S$ 261.6

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First Year Waived

Airmiles Hotel Booking

Up to 6 miles per dollar

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On bookings made on Agoda, Expedia, and UOB Travel.

2 Offers Available

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

30 April 2024

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

30 April 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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No monthly spend required

DCS CASHBACK Card

Cashback Travel

5 %

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Capped at S$50 each statement month.

Cashback Overseas

5 %

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Capped at S$50 each statement month.

Airport Lounge Access

1 visits per year

Complimentary Travel Insurance

Up to S$1,000,000

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

Things to consider for this product:

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Travel insurance

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Airport lounge

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Monthly spend required

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Rebate cap applied

Maybank FC Barcelona Visa Signature Card

Cashback Travel

1.6 %

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Unlimited cashback, no minimum spend.

Cashback Overseas

1.6 %

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Unlimited cashback, no minimum spend.

Monthly Spend Required

None

Annual Fee

S$ 130.8

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First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum

Things to consider for this product:

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Annual Fee waiver

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No monthly spend required

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No rebate cap

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Overseas rebate

DCS Sheng Siong Card

Cashback Overseas

5 %

Airmiles Base Rate

0.22 miles per dollar

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4,500 Club Rewards Points = 1,000 Miles S$1 = 1 Club Rewards Point.

Airport Lounge Access

1 Visit per year

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Travel insurance

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Installment

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No expiry air miles

Maybank DUO Platinum MasterCard

Cashback Petrol

5 %

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In Singapore and Malaysia.

TI Death & Disablement Coverage

Up to S$ 500,000

Monthly Spend Required

None

Annual Fee

S$ 130.8

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First Three Years Waived

Things to consider for this product:

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Petrol rebate

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Overseas rebate

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Travel insurance

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Annual Fee waiver

DCS DON DON DONKI Card

Airmiles Base Rate

0.22 miles per dollar

Rewards Points Baseline

1 Club Rewards Points per dollar

Airport Lounge Access

1 visits per year

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Travel insurance

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Installment

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No expiry air miles

Maybank Horizon Visa Signature Card

Airmiles Overseas

2.8 miles per dollar

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On foreign spend. 7X TREATS Points per S$1 spent.

Airmiles Flight Booking

2.8 miles per dollar

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On air tickets. 7X TREATS Points per S$1 spent.

Airmiles Hotel Booking

1.2 miles per dollar

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On Agoda bookings.

Annual Fee Waiver

3 years

Things to consider for this product:

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Overseas/Foreign spend

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Air tickets

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Dining

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Rebate cap applied

Maybank Manchester United Platinum Visa Credit Card

Airmiles Overseas

Up to 2 miles per dollar

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When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.

TI Death & Disablement Coverage

Up to S$ 300,000

Monthly Spend Required

None

Annual Fee

S$ 87.2

info

First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum

Things to consider for this product:

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Local spending rebate

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No monthly spend required

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No rebate cap

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Travel insurance

Maybank World MasterCard

Cashback Overseas

0.27 %

info

(Indirect cashback) S$1 = 1 TREATS Point 18,500 TREATS Point = S$50 cash credit, equivalent to 0.27% cashback.

Airport Lounge Access

1 visits per year*

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Plaza Premium Lounge When a minimum of S$1,000 is charged in a single retail transaction.

Monthly Spend Required

None

Annual Fee

S$ 261.6

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First Year Waived

Things to consider for this product:

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Dining rebate

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Retail rebate

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Petrol rebate

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Airport lounge

DBS Takashimaya Visa Card

Cashback Overseas

0.17 %

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(Indirect Cashback) S$1 local spend = 0.2 point on all spend. 1,200 points redeemed = S$10 cash credit. Equivalent to 0.17% cashback.

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

Monthly Spend Required

None

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Retail rebate

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Retail discount

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Voucher redeemable

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No rebate cap

DBS Takashimaya American Express Card

Cashback Overseas

0.17 %

info

(Indirect Cashback) S$1 local spend = 0.2 point on all spend. 1,200 points redeemed = S$10 cash credit. Equivalent to 0.17% cashback.

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

S$150 cashback

Valid until

30 June 2024

Things to consider for this product:

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Retail rebate

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Retail discount

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Voucher redeemable

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No rebate cap

DBS Live Fresh Student Card

Cashback Overseas

0.3 %

info

Capped at S$20

Minimum Annual Income

None

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Five Years Waived

Things to consider for this product:

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Mobile contactless rebate

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Local spending rebate

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No income required

remove

Rebate cap applied

DBS Esso Card

Cashback Overseas

0.4 %

info

S$7,500 = 750 Smiles Points = S$30 worth of Synergy Fuel, equivalent to 0.4% cashback.

Monthly Spend Required

None

Annual Fee

S$ 196.2

info

First Year Waived

Annual Fee Waiver

1 year

Offer Available

Welcome Offer

S$120 cash rebate

Valid until

31 July 2024

Things to consider for this product:

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Petrol savings

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Annual Fee required

Best Travel Credit Cards	Credit Card	Benefits	Minimum Spend	Annual Fee
For Online Booking	Citi PremierMiles Card	Earns Citi Miles of 1.2 mpd on local spend, 2 mpd on foreign spend, and up to 10 mpd on Kaligo and Agoda bookings. Citi Miles can be redeemed for flights and hotel bookings through the Citi ThankYou Rewards platform.	None	S$196.20 (First-year fee waiver)
	DBS Altitude Card	Earns DBS Points on all spending, with 1.3 mpd on local spend, 2.2 mpd on foreign spend, and up to 10 mpd on Kaligo and Expedia bookings (capped at S$5,000 spend per month). DBS Points can be converted to airline miles with various frequent flyer programs.	None	S$196.20 (First-year fee waiver)
	UOB PRVI Miles Card	Earns UNI$ on all spending, with 1.4 mpd on local spend, 2.4 mpd on foreign spend (including online shopping on overseas websites), 6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel. UNI$ can be converted to various airline frequent flyer programs such as KrisFlyer Miles and Asia Miles.	None	S$261.60 (First-year fee waiver)
	American Express Singapore Airlines KrisFlyer / KrisFlyer Ascend Credit Card	Earns KrisFlyer miles on all eligible spending, with bonus miles dedicated towards Singapore Airlines and Scoot tickets booked online.	None	S$179.85 (KrisFlyer Credit Card) / $343.35 (KrisFlyer Ascend Credit Card)
	HSBC Revolution Card	Earns 4 mpd on online and mobile contactless spend, including eligible travel bookings among other everyday spend categories. This upsized rate is capped at S$1,000 spend per month.	None	None
	UOB Lady’s / Lady’s Solitaire Card	Earns UNI$ (or 6 mpd until 31 Mar 2024) on a broad range of categories including travel-related expenditures, limited to one or two category(ies) per quarter depending on card. These bonus miles are capped at S$1,000 and S$3,000 spend per month respectively.	None	S$196.20 (UOB Lady’s Card) / S$414.20 (UOB Lady’s Solitaire Card) (First-year fee waiver)
	KrisFlyer UOB Card	Earns unlimited 3 KrisFlyer Miles per S$1 directly on everyday spend, including online travel-related purchases with minimum S$800 annual spend on Singapore Airlines, Scoot, and KrisShop transactions.	None	S$196.20 (First-year fee waiver)
	Maybank Horizon Visa Signature Card	Earn up to 7X TREATS Points (2.8 mpd) on foreign spend and air tickets* with minimum S$800 spend per month. Earn up to 3X TREATS Points (1.2 mpd) on all local retail spend, with no minimum spend required. Earn 0.6X TREATS Points (0.25 mpd) on all miscellaneous expenses like education fees, insurance premiums, and utilities. *Capped at 40,000 bonus TP per month	S$800 per month	S$196.20 (3 year fee waiver)
	Citi Prestige Card	A premium travel card that earns accelerated miles 1.3 mpd locally and 2 mpd overseas, with a complimentary extra night stay when you book at least 4 nights’ stay at any hotel or resort via Citi Prestige Concierge.	None	S$545
For Complimentary Travel Insurance Coverage	American Express Singapore Airlines KrisFlyer Credit Card	Provides up to S$350,000 complimentary travel accident insurance and travel inconvenience coverage.	None	S$179.85
	American Express Singapore Airlines KrisFlyer Ascend Credit Card	Provides up to S$1 million complimentary travel accident insurance and travel inconvenience coverage.	None	S$343.35 (First-year fee waiver)
	Citi PremierMiles Card	Offers up to S$1 million complimentary travel insurance coverage.	None	S$196.20 (First-year fee waiver)
	Standard Chartered Journey Card	Offers up to S$500,000 complimentary travel accident insurance, emergency medical expenses, and travel inconvenience insurance coverage. Also get to enjoy 45% off MSIG TravelEasy®️ travel insurance when you use the first 8 digits of your Journey Card as the promo code.	None	S$196.20 (First-year fee waiver optional)
	HSBC TravelOne Card	Offers up to US$100,000 complimentary travel accident insurance, emergency medical expenses, and travel inconvenience insurance coverage.	None	S$196.20
	HSBC Visa Infinite Card	Provides up to US$2.75 million comprehensive travel insurance coverage, including travel accident, medical, and trip cancellation/interruption insurance, including for COVID-19.	None	S$662.15
	UOB PRVI Miles Card	Offers up to S$500,000 complimentary public conveyance personal accident coverage and up to S$50,000 emergency medical evacuation and repatriation (including COVID-19) travel insurance coverage.	None	S$261.60 (First-year fee waiver)
	CIMB Visa Signature Card	Enjoy up to S$500,000 personal accident and permanent disablement coverage and trip inconvenience coverage.	None	None
	CIMB Visa Infinite Card	Provides up to S$1 million complimentary personal accident and permanent disablement, emergency medical evacuation and repatriation, and travel inconvenience insurance coverage.	None	None
For Airport Lounge Access & Transfer	HSBC Visa Infinite Card	Provides complimentary LoungeKey membership with unlimited lounge access for both primary and supplementary cardholders. To bring along a guest, simply pay an additional fee of US$35 per person per entry. Also offers limousine airport transfers.	None	S$662.15
	American Express Singapore Airlines KrisFlyer Ascend Credit Card	Comes with 4 complimentary airport lounge visits per year to any SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide. Offers complimentary extra one-night stay at participating Hilton properties in Asia Pacific each year along with a free upgrade to Hilton Honors Silver membership tier.	None	$343.35 (First-year fee waiver)
	Citi PremierMiles Card	Offers complimentary Priority Pass membership with 2 airport lounge visits per year for the primary cardholder. Additional visits can be purchased at a discounted rate.	None	S$196.20 (First-year fee waiver)
	DBS Altitude Card	Offers complimentary Priority Pass membership with 2 airport lounge visits per year for the primary cardholder. Additional visits can be purchased at US$35 per person per visit.	None	S$196.20 (First-year fee waiver)
	CIMB Visa Infinite Card	Provides 3 complimentary airport lounge visits per year via DragonPass membership.	S$2,000 per month	None
	HSBC TravelOne Card	Provides 4 complimentary airport lounge visits per year via Mastercard Travel Pass membership.	None	S$196.20
	Standard Chartered Journey Card	Offers complimentary Priority Pass membership with 2 airport lounge visits per year.	None	S$196.20 (First-year fee waiver optional)
	UOB PRVI Miles AMEX Card	Book airport lounges worldwide starting at US$25 per person per visit with LoungeBuddy. Also features complimentary airport transfers per quarter with a minimum S$1,000 overseas spend within the same quarter.	None	S$261.60 (First-year fee waiver)
Best Credit Cards Offering Free Travel Insurance With Annual Fee Waiver	Citi Rewards Card	Up to S$1 million complimentary travel insurance with coverage benefits for accidental death & permanent disablement, medical expenses, emergency medical evacuation & repatriation, and travel inconvenience & cancellations.	None	S$196.20 (First-year fee waiver)
	Citi PremierMiles Card	Up to S$1 million complimentary travel accident insurance, medical expenses, emergency medical evacuation & repatriation, and travel inconvenience coverage.	None	S$196.20 (First-year fee waiver)
	Citi Prestige Card	Up to S$1 million complimentary travel insurance coverage for personal accident and permanent disablement, and up to S$50,000 overseas medical benefits along with travel inconvenience coverage.	None	$540
	KrisFlyer UOB Card	Up to S$500,000 complimentary personal accident cover and up to S$50,000 emergency medical assistance (including COVID-19) coverage.	None	S$196.20 (First-year fee waiver)
	UOB PRVI Miles Card	Up to S$500,000 public conveyance personal accident cover and up to S$50,000 emergency medical evacuation & repatriation (including COVID-19) coverage.	None	S$261.60 (First-year fee waiver)
	American Express Singapore Airlines KrisFlyer Credit Card	Up to S$350,000 complimentary personal accident and permanent disablement cover and up to S$1,000 in travel inconvenience coverage.	None	$174.40 (First-year fee waiver)
	American Express Singapore Airlines KrisFlyer Ascend Credit Card	Up to S$1 million complimentary personal accident and permanent disablement cover and up to S$1,000 in travel inconvenience coverage.	None	$343.35 (First-year fee waiver)
	Maybank Horizon Visa Signature Card	Up to S$1 million complimentary travel insurance coverage for personal accident & permanent disablement, up to S$5,000 for emergency medical evacuation & repatriation, and up to S$1,000 for travel inconveniences.	S$800 per month	S$196.20 (3 year fee waiver)
	Standard Chartered Journey Card	Up to S$1 million complimentary travel insurance coverage with benefits extending for personal accident cover, medical expenses, emergency medical evacuation & repatriation, and travel inconveniences.	None	S$196.20 (First-year fee waiver optional)
	HSBC Visa Infinite Card	Up to US$2 million complimentary travel insurance (with up to S$100,000 for COVID-19) covering travel accident insurance and medical expenses.	None	S$662.15
	Standard Chartered Visa Infinite Card	Up to S$1 million complimentary travel insurance coverage for personal accident and permanent disablement, as well as coverage for overseas medical expenses, emergency medical evacuation & repatriation, and travel inconveniences.	S$2,000 per month	S$599.50

How does a Travel Credit Card work?

Travel credit cards are designed to cater to the needs and preferences of travellers, focusing on rewarding miles on foreign spend while providing benefits and privileges that enhance their travel experiences.

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Who should use a Travel Credit Card?

Travel credit cards are best suited for:

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How to best use a Travel Credit Card?

To make the most of a travel credit card and maximise its benefits, consider the following tips:

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How to Maximise Overseas Spend with your Travel Credit Card?

Step #1: Get a travel credit card that offers instant travel perks or rewards.

Choose a travel credit card that provides immediate benefits and rewards for your travel spending, such as airline miles or hotel loyalty points. Travellers who are fans of Singapore Airlines, for example, should consider getting one of the best KrisFlyer miles cards to get more miles, faster. Whereas if you’re travelling on a budget, opting for a cashback travel credit card allows you to claw back some of your local and overseas spending – stretching your travel budget even further.

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What are some of the fees to take note of when using credit cards overseas?

Always be mindful of fees like foreign transaction fees and currency conversion fees when using your credit card abroad. Some specific fees to look out for are:

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Things to look out for when choosing a Travel Credit Card

When deciding which credit card is the best for your travel needs, there are several important factors to consider. Here are some key things to look out for:

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Why should I get a credit card when I travel?

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Using the best credit cards for travelling offers you several benefits and perks:

Cashless transactions for added security and convenience.
Widely accepted in Singapore and globally, making it easy to use for expenses.
Travel rebates like bonus miles or cashback on specific spending categories to accumulate miles faster.
Complimentary travel insurance for peace of mind.
Complimentary airport lounge access for comfort during layovers and regular flight departures.
Waived foreign transaction fees saves you the extra cost incurred by currency conversion.
24/7 emergency support and fraud protection.
Easy expense tracking with detailed statements.
Rental car benefits, including insurance coverage.
24/7 concierge service offered by premium credit cards (e.g. Visa Infinite cards) to facilitate travel-related bookings and provide other assistance on cardmember’s behalf.

How to convert travel credit card points to miles?

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To convert points to miles, log into your travel credit card's respective online portal, select the rewards section, and choose the option to transfer points to your preferred airline's frequent flyer program, following the specified conversion rate. For example, UOB PRVI Miles Card users should log into UOB Rewards+ to redeem their UNI$ while HSBC TravelOne Card users can redeem their Reward points via HSBC’s online portal.

What type of credit card should I use to maximise spend on booking hotels and flights?

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When choosing the best travel credit card for on hotel bookings and air tickets, opt for a card that offers high earn rates on these categories and partners with airlines and hotels you frequently use. You can also explore the latest credit card promotions, such as travel insurance discounts and NATAS fair deals, to earn as you spend.

Are the rewards I get from rewards points really worth it?

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Yes, the rewards from travel credit card reward points can be highly valuable, especially when redeemed for high-value travel rewards like business-class flights or luxury hotel stays. Though such privileges build up over the long-term compared to immediate cashback, they offer you returns worth far greater than the original spend.

Best Travel Credit Cards in Singapore 2024 for Overseas Spending

CIMB Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

2 Offers Available

Things to consider for this product:

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KrisFlyer UOB Credit Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC TravelOne Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC 90°N Visa Card

Things to consider for this product:

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Citi PremierMiles Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

CIMB World Mastercard

Offer Available

Things to consider for this product:

Quick Facts

Citi Rewards Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB One Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC Rewards Credit Card

Things to consider for this product:

Quick Facts

UOB EVOL Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Singapore Airlines KrisFlyer Ascend Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB Absolute Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

CIMB Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Advance Credit Card

2 Offers Available

Things to consider for this product:

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HSBC Visa Platinum Credit Card

2 Offers Available

Things to consider for this product:

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UOB Lady's Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC 90°N Mastercard