Travelling year-end? Then you might want to bring along these credit cards with you.
As 2023 draws to a close and everyone prepares to head overseas for a well-deserved break, banks have lost no time coming up with year-end spending promotions. These offer bonus miles to cardholders, especially those who opted for miles credit cards and spend in foreign currency. It is a great opportunity to recharge your miles balance while on vacation.
In this post, we’ll look at some of the ongoing credit card offers and how to trigger them, as well as some tried-and-tested alternatives that work year-round.
Table of contents
- Citi PremierMiles Card
- Citi Prestige Card
- Maybank Horizon Visa Signature Card
- Standard Chartered Journey Card
- UOB PRVI Miles Card
- Other credit card recommendations
Citi PremierMiles Credit Card
From 1 November 2023 to 31 January 2024, Citi PremierMiles Cardholders can earn 4 mpd on in-person foreign currency transactions, instead of the usual 2 mpd.
They will need to register for this offer by sending the following SMS to 72484:
CITIPMCFX<space>Last 4 digits of your Citi PremierMiles Card
e.g. CITIPMCFX 1234
Once registered, cardholders who meet a minimum spend of at least S$5,000 in a calendar month will earn an upsized rate of 4 mpd on foreign currency spending for that calendar month. For avoidance of doubt, the minimum spend can be in either Singapore dollars or foreign currency, and also includes Citi PayAll transactions.
The extra 2 mpd is capped at 10,000 Citi Miles per calendar month, which means you’d max out the offer with a monthly spend of S$5,000. It is only valid for in-person spending, so online spending in foreign currency will not qualify.
Bonus points will be credited from February to April 2024, depending on which month your qualifying spend is made.
📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi PremierMiles Card:
Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Airwrap™ multi-styler and dryer (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad (A16) 11" 128GB WiFi (worth S$649); or
- S$340 for Apple AirPods Max 2 (worth S$749); or
- S$580 for an Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999); or
- S$740 for an Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149)
Read more:
Credit Card Combo: Pair Citi PremierMiles & Citi Rewards
5 Credit Cards I Never Leave Home Without
DBS Altitude vs Citi PremierMiles vs OCBC 90°N: Card Comparison
Citi Prestige Credit Card
From 1 November 2023 to 31 January 2024, Citi Prestige Cardholders can earn 4.5 mpd on all foreign currency transactions, instead of the usual 2 mpd.
They will need to register for this offer by sending the following SMS to 72484:
CITIPRESFX<space>Last 4 digits of your Citi Prestige Carde.g. CITIPRESFX 1234
Registration is capped at the first 3,000 Citi Prestige Cardholders, and you’ll receive an acknowledgement upon successful registration.
Once registered, cardholders who meet a minimum spend of at least S$8,000 in a calendar month will earn the upsized rate of 4.5 mpd on foreign currency spending for that calendar month. For avoidance of doubt, the minimum spend can be in either Singapore dollars or foreign currency, and also includes Citi PayAll transactions.
The extra 2.5 mpd is capped at 12,500 miles per calendar month, which means you’d max out the offer with a monthly spend of S$5,000. Unlike the Citi PremierMiles offer above, it is valid on both in-person and online foreign currency spending, so you could use it to book hotels or pay for rental cars online and still earn the bonuses.
Bonus points will be credited by 30 April 2024.
Read more:
Travel Insurance Add-Ons: Which Ones Are Worth Your Money?
Best Travel Insurance Plans For Road Trips
Maybank Horizon Visa Signature Credit Card
The newly-revamped Maybank Horizon Visa Signature has a great offer for foreign currency spending that offers an uncapped 2.8 mpd. This requires a minimum spend of S$800 per calendar month, and applies to both in-person and online foreign currency spend. While it’s true that you could generate a slightly higher rate of 4+ mpd with other cards, those all invariably come with a cap. The potential to earn an uncapped 2.8 mpd could be quite lucrative for big spenders.
The best thing about this offer? It even applies to commonly-excluded transactions such as charitable donations, education, insurance, and private hospitals. So long as these transactions are processed in foreign currency, you’ll earn an uncapped 2.8 mpd too.
In addition to foreign currency transactions, spending at least S$800 per calendar month will also make you eligible to earn 2.8 mpd on up to S$10,000 of air ticket transactions.
All bonus points will be credited the following calendar month.
Standard Chartered Journey Credit Card
From 1 November to 31 December 2023, StanChart Journey Cardholders will receive an uncapped 3.5% cash rebate on all foreign currency transactions, whether online or in-person.
No registration nor minimum spend is required, and cashback will be automatically posted by 29 February 2024.
This cash rebate effectively offsets StanChart’s usual 3.5% FCY fee, allowing cardholders to earn 2 mpd on overseas spend without anything more than the usual Visa spread (which will apply regardless of which credit card you use).
The main thing to be careful about here is that only transactions made and posted during the promotional period will be eligible for the 3.5% cash rebate. Therefore, if you’re travelling towards the end of December, take care because your transactions may not post in time. In general, it’s a good idea to buffer at least three calendar days for posting.
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
UOB PRVI Miles Credit Card
From now till 30 November 2023, UOB PRVI Miles Cardholders can earn up to 8 mpd on airline, hotel and travel agent bookings made with their card.
Registration is required, and can be done by sending the following SMS to 77862:
PMQ3<space>Last 4 digits of your NRIC/Passport
e.g. PMQ3 567A
The campaign is open to all three versions of the UOB PRVI Miles Card (AMEX, Mastercard, Visa), with no cap on the maximum number of eligible participants.
Once registered, cardholders must spend at least S$2,000 across any of the following three categories during the promotion period:
- Airlines (e.g. Singapore Airlines, Qatar Airways, Cathay Pacific)
- Hotels (e.g. Airbnb, Accor, Hilton)
- Online travel agencies (e.g. Klook, Agoda, Expedia)
The maximum bonus miles are capped at S$4,000 (i.e. 8,000 miles) for the entire promotion period. Bonus miles will be credited by 5 January 2024.
While the spending must take place during the promotion period, travel can be for any dates in the future. So even if you plan to stay home this year-end, there’s still scope to plan ahead for 2024!
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
And the classics…
Even in the absence of promotions, there are some credit cards which are reliable options for racking up miles on foreign currency spend all year round.
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- Amaze + Citi Rewards: Amaze pairs with Mastercards to convert all foreign currency transactions into Singapore dollars, at lower rates than what you’d pay with the banks. Pair it with the Citi Rewards Card and earn 4 mpd on all your foreign currency spending, capped at S$1,000 per statement month.
📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:
Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Airwrap™ multi-styler and dryer (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad (A16) 11" 128GB WiFi (worth S$649); or
- S$340 for Apple AirPods Max 2 (worth S$749); or
- S$580 for an Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999); or
- S$740 for an Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149)
- DBS Woman’s World Card: If your transactions are made online (e.g. overseas flight or hotel bookings), then using the DBS Woman’s World Card will earn you 4 mpd on all your spending, capped at S$1,500 per calendar month.
SingSaver Exclusive Offer: Get rewarded when you apply for select DBS/POSB Credit Cards via SingSaver!
Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
- S$150 for a Dyson V8 Cyclone vacuum (worth S$559); or
- S$200 for a Dyson Airstrait (worth S$799); or
- S$200 for Sony WH-1000XM6 Earphone (worth S$649); or
- S$350 for an Apple iPad A16 11-inch (worth S$649)
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply.
- Standard Chartered Visa Infinite: Cardholders can earn an uncapped 3 mpd on foreign currency spending, provided they spend at least S$2,000 per statement month. Read our full review here.
SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered credit card. Eligible for new Standard Chartered cardholders only.
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Standard Chartered Simply Cash Credit Card: Receive S$350 Cash, S$370 Grab Voucher, or Dyson Cool™ AM07 Tower Fan (worth S$499) . Simply activate your SCB Simply Cash Credit Card, spend a min. of S$800 within 30 days of card approval and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Cyclone 8 Vacuum (worth S$559); or
- S$100 for a Dyson Airstrait (worth S$799); or
- S$200 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$300 for an Apple iPad A16 11-inch (worth S$649); or
- S$620 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$780 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
Standard Chartered Journey Credit Card: Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
- UOB Visa Signature Card: Cardholders can earn 4 mpd on foreign currency spending, provided they spend at least S$1,000 per statement month. This is capped at S$2,000 per statement month.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
Conclusion
If you’re heading overseas for the end of the year, be sure to check out these bonus miles offers and register if necessary.
Take particular note of the minimum spend requirements and caps, and don’t panic if you don’t see the bonus miles right away – some of them will take a few months to credit.
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