Looking for the best Singapore credit card for overseas spending?

Planning an overseas trip and looking for the best Singapore credit card out there that won’t leave you high and dry when it comes to overseas spending? Well, look no further than this guide.

We’ll be comparing five of the best Singapore credit cards for overseas spending: Citi PremierMiles, UOB PRIVI Miles, HSBC TravelOne, DBS Altitude Signature, and OCBC 90°N Card.

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⚡️ TL;DR: Quick Comparison Table

Best For	Card	Key Benefit	Annual Fee
💜 Zero FX Fees	YouTrip Card	Wholesale rates, 0% FX fees, no income requirement	S$0
🏆 Overall Miles	Citi PremierMiles	2.2 mpd, miles never expire	S$196.20
✈️ Frequent Travellers	UOB PRIVI Miles	2.4 mpd + Agoda/Expedia bonuses	S$261.60
🛫 Lounge Access	HSBC TravelOne	2.4 mpd + 4 free lounge visits	S$196.20
🔄 Flexible Rewards	DBS Altitude	Miles don’t expire	S$196.20
📈 Agoda Bookings	OCBC 90°N	Up to 7 mpd on Agoda	S$196.20

💡 Quick Answer: For zero-fee overseas spending, YouTrip is the best multi-currency card for Singaporean travellers. For premium rewards, Citi PremierMiles offers the best overall value with 2.2 mpd spent overseas and no miles expiry.

📚 Table of Contents:

1. Why You Need a Travel Credit Card
2. How to Choose the Best Singapore Credit Card for Travel
3. Best Singapore Credit Cards For Overseas Spending (2026)
4. Citi PremierMiles Card
5. UOB PRIVI Miles Card
6. HSBC TravelOne Credit Card
7. DBS Altitude Visa Signature Card
8. OCBC 90°N Card
9. YouTrip
10. Other No-Fee Alternatives for Singaporean Travellers
11. Verdict: Which Is the Best Singapore Credit Card for You?
12. FAQs

Why You Need a Travel Credit Card

The best Singapore credit cards for travel offer Singaporean travellers significant advantages over cash or regular credit cards:

Key benefits include:

• Earn miles or cashback on every overseas transaction
• Complimentary travel insurance and airport lounge access
• Exclusive hotel and airline partnership discounts
• Purchase protection and fraud security for international spending
• Streamlined expense tracking for business travellers

However, traditional credit cards typically charge a 3.25% foreign transaction fee on every overseas purchase. For a S$5,000 trip, that’s S$162.50 in fees alone — which can offset your rewards quickly.

The solution? Consider multi-currency cards like YouTrip that offer wholesale exchange rates with zero foreign transaction fees, making them the most cost-effective option for frequent travellers who want to maximise savings without earning miles.

📖 Related Guide: Best Miles Credit Card in Singapore For Overseas Spending

How to Choose the Best Singapore Credit Card for Travel:

When comparing travel credit cards in Singapore, these seven factors determine the best card for your needs:

1. Foreign Transaction Fees

Most Singapore credit cards charge 3.25% on foreign currency transactions. This fee applies to every overseas purchase, from hotels to meals. For frequent travellers, this adds up quickly.

For cost-conscious travellers, a multi-currency card like YouTrip, which charge 0% FX fees, might offer better value.

2. Miles Earn Rate

Premium travel credit cards in Singapore typically offer 2.0–2.4 mpd spent overseas. Look for cards that match your spending patterns — some offer bonus miles on hotel bookings (up to 7 mpd) or airline purchases.

3. Annual Fees

Singapore credit cards for travel range from S$0 to S$261.60 annually. Calculate whether your rewards earnings justify the fee. For example, a S$196.20 annual fee requires significant spending to break even on miles alone.

4. Welcome Bonuses & Promotions

New cardholders can earn substantial bonus miles (often 10,000–30,000 miles) by meeting minimum spending requirements within the first few months. Factor these one-time bonuses into your decision.

5. Travel Perks & Insurance

The best Singaporean credit cards for overseas spending include complimentary lounge access (typically 2–4 visits annually), travel insurance, airport transfers, and hotel elite status. These perks add real value for frequent travellers.

6. Minimum Income Requirements

Most premium Singapore travel credit cards require S$30,000–S$45,000 annual income for Singaporeans/PRs. Multi-currency prepaid cards like YouTrip have no minimum income requirement, making them accessible to all travellers.

7. Exchange Rates

Credit cards use marked-up exchange rates on top of the 3.25% foreign transaction fee. Multi-currency wallets typically offer wholesale mid-market rates, resulting in 3–5% total savings compared to credit cards.

📖 Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide

Best Singapore Credit Cards For Overseas Spending (2026)

Here’s a comprehensive comparison of the top travel credit cards in Singapore, plus the best multi-currency card alternative for Singaporean travellers who want zero fees:

Feature	YouTrip Card	Citi PremierMiles	UOB PRIVI Miles	HSBC TravelOne	DBS Altitude	OCBC 90°N
Card Type	Prepaid Mastercard	Visa/Mastercard	Mastercard/Visa/AMEX	Mastercard	Visa/AMEX	Mastercard/Visa
Annual Fee	S$0	S$196.20	S$261.60	S$196.20	S$196.20	S$196.20
Foreign Transaction Fee	0%	3.25%	3.25%	3.25%	3.25%	3.25%
Overseas Miles Earn Rate	N/A	2.2	2.4 (3 on regional spend – IDR, MYR, THB, VND)	2.4	2.2	2.1
Local Miles Earn Rate	N/A	1.2	1.4	1.2	1.3	1.3
Miles Expiry	N/A	Never	Up to 27 months	36-37 months	Never	Never
Lounge Access	No	2 visits/year	4 visits/year	4 visits/year	2 visits/year	No
Wallet Currencies	✅ Lock in 12 currencies	❌	❌	❌	❌	❌
Min. Income Required	None	S$30,000	S$30,000	S$65,000*	S$30,000	S$30,000
Late Payment Fee	N/A	S$100	S$100	S$100	S$100	S$100
Best For	Zero fees + best rates	Overall miles earning	Frequent overseas spending	Lounge lovers	Flexible rewards	Agoda bookings

*S$65,000 for most applicants; S$30,000 for Singaporeans/PRs with at least S$50,000 TRB

Information accurate as of January 2026. Credit card earn rates, fees, and promotional offers are subject to change. Always verify current rates with the issuing bank before applying.

📖 Related Guide: Best DBS Miles Credit Cards In Singapore

Pros & Cons:

1. Citi PremierMiles Card – Best Overall Miles Card

Image Credits: Trevallog

The Citi PremierMiles card stands out as the best overall travel credit card in Singapore for miles accumulation with its straightforward earning structure and valuable perks.

• Available on: Visa, Mastercard
• Annual Fee: S$196.20
• Foreign Transaction Fee: 3.25%

✅ Pros

• 1.2 mpd local spend
• 2.2 mpd overseas spend
• Bonus miles on travel platforms: 10 mpd on Kaligo, 7 mpd on Agoda (valid till 31 Dec 2026)
• Miles never expire, giving you flexibility to save for premium redemptions
• 2 complimentary airport lounge visits annually
• Complimentary travel insurance when you purchase tickets with the card

❌ Cons

• 3.25% foreign transaction fee erodes value (S$162.50 in fees on a S$5,000 trip)
• S$196.20 annual fee requires significant spending to justify
• S$100 late payment fee if bills aren’t paid on time
• 10,000 mile minimum transfer for KrisFlyer conversions
• Average overseas earn rate (2 mpd) compared to competitors offering 2.4 mpd

Best for: Singaporean travellers who value flexibility and want miles that never expire without worrying about different earn rates for local vs overseas spending.

📖 Related Guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards

2. UOB PRIVI Miles Card — Best for Frequent Travellers

Image Credits: Mainly Miles

The UOB PRIVI Miles card offers the highest overseas earn rate among traditional credit cards, making it ideal for Singaporean travellers who spend heavily abroad.

• Available on: Mastercard, Visa, AMEX
• Annual Fee: S$261.60 (highest on this list)
• Foreign Transaction Fee: 3.25%

✅ Pros

• 2.4 mpd overseas spend (highest standard rate)
• 3 mpd on regional spend (IDR, MYR, THB, VND)
• Up to 8 mpd on Expedia bookings (till 31 Mar 2026)
• 2 complimentary airport transfers quarterly (AMEX only)
• Complimentary travel insurance
• Attractive welcome bonuses for new cardholders

❌ Cons

• Highest annual fee at S$261.60 (requires ~S$6,500 annual overseas spending to justify vs Citi)
• 3.25% foreign transaction fee on all overseas purchases
• Miles expire after 2 years (unlike Citi, DBS, and OCBC)
• Lower local earn rate (1.4 mpd) compared to overseas
• S$100 late payment fee

Best for: High-spending travellers who frequently book hotels through Agoda/Expedia and can maximise the 6 mpd bonus category.

📖 Related Guide: UOB PRIVI Miles Card Guide: Benefits, Fees & Rewards

3. HSBC TravelOne Credit Card — Best for Lounge Access

Image Credits: Zafigo

The HSBC TravelOne Credit Card provides the most generous lounge access among Singapore travel credit cards, plus competitive overseas earning rates.

• Available on: Mastercard
• Annual Fee: S$196.20
• Foreign Transaction Fee: 3.25%

✅ Pros

• 2.4 mpd on foreign currency spending (tied for highest)
• 4 complimentary lounge visits annually (most on this list)
• Instant point conversions with no redemption fee
• Complimentary travel insurance coverage
• Attractive welcome bonus for new cardholders

❌ Cons

• Lowest local earn rate at just 1.2 mpd (not ideal for daily spending)
• 3.25% foreign transaction fee
• S$196.20 annual fee
• S$100 late payment fee
• No bonus earning categories (e.g., no extra miles on Agoda/Expedia)

Best for: Singaporean travellers who prioritise airport lounge access and make frequent short trips where lounge comfort matters more than miles optimisation.

📖 Related Guide: HSBC TravelOne Card: Guide to Fees, Miles & Benefits

4. DBS Altitude Visa Signature Card — Best for Flexible Rewards

Image Credits: ShrugMyShoulder

The DBS Altitude Signature Card offers permanent points and competitive rewards, appealing to travellers who want flexibility without expiry pressure.

• Available on: Visa, AMEX
• Annual Fee: S$196.20
• Foreign Transaction Fee: 3.25%

✅ Pros

• DBS Points never expire, allowing you to accumulate for premium redemptions
• 2.2 mpd overseas spend (above average)
• Complimentary Digital Priority Pass membership
• 2 complimentary lounge visits annually
• Points redeemable for travel perks, hotel stays, and airline miles

❌ Cons

• Lower local earn rate at 1.3 mpd
• S$196.20 annual fee
• S$100 late payment fee
• 3.25% foreign transaction fee
• Only 2 lounge visits (fewer than HSBC’s 4)
• Overseas earn rate (2.2 mpd) trails UOB and HSBC (2.4 mpd)
• Automatic S$25,000 annual spend waiver will be discontinued from 1 Aug 2026

Best for: Travellers who want permanent points flexibility and don’t want to worry about miles expiring or complex redemption windows.

📖 Related Guide: DBS Altitude Card Guide: Miles, Benefits, Lounge Access & Fees

5.  OCBC 90°N Card — Best for Agoda Hotel Bookings

Image Credits: Mainly Miles

The OCBC 90°N Card specialises in Agoda rewards, making it the top choice for Singaporean travellers who book most accommodations through this platform.

• Available on: Mastercard, Visa
• Annual Fee: S$196.20
• Foreign Transaction Fee: 3.25%

✅ Pros

• Up to 7 mpd spent on Agoda bookings (highest bonus category)
• Miles never expire, providing maximum flexibility
• Small redemption blocks starting at just 1,000 miles (most flexible)
• Redeem miles for cash rebates, vouchers, or KrisFlyer miles
• 2.1 mpd on foreign currency spending
• 1.3 mpd on local spending

❌ Cons

• Lowest overseas earn rate at 2.1 mpd outside of Agoda
• 3.25% foreign transaction fee
• No lounge access (unlike Citi, HSBC, and DBS)
• S$196.20 annual fee
• S$100 late payment fee
• Value heavily dependent on Agoda usage

Best for: Singaporean travellers who book most hotels through Agoda and want to maximise rewards on accommodation spending specifically.

📖 Related Guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account

6. YouTrip Card — Best Multi-Currency Card with No Annual Fee

YouTrip is the most widely used multi-currency card for Singaporeans, offering wholesale exchange rates and zero fees —making it the best travel card for cost-conscious travellers who prioritize savings over miles.

• Card Type: Prepaid Mastercard
• Annual Fee: S$0
• Foreign Transaction Fee: 0%

✅ Pros

• Zero annual fees, zero foreign transaction fees (saves 3.25% on every overseas purchase)
• Lock in wholesale exchange rates for 12 wallet currencies (SGD, JPY, MYR, USD, EUR, GBP, HKD, AUD, NZD, CHF, SEK, THB)
• Best exchange rates across 150+ countries with no markups
• Free ATM withdrawals up to S$400 monthly (2% fee thereafter)
• No minimum income requirement (accessible to all Singaporean travellers)
• Exclusive discounts on Trip.com, Agoda, Klook, Expedia through YouTrip Perks
• Real-time spending tracking and budget management in-app
• Instant card replacement and fraud protection

❌ Cons

• No miles or cashback rewards (purely a cost-saving tool)
• Not a credit card (no credit line or interest-free period)

Real Savings Example

For a S$5,000 overseas trip:

• Credit card cost: S$5,000 × 3.25% = S$162.50 in FX fees + exchange rate markup (~1-2%) = ~S$212.50 total cost
• YouTrip cost: S$5,000 × 0% = S$0 in fees (wholesale rates only)
• Total savings: S$212.50 per trip

For Singaporean travellers taking 3 trips annually spending S$5,000 each, YouTrip saves approximately S$637.50 per year compared to traditional credit cards — far exceeding the value of most credit card annual fees and rewards.

Best for: Budget-conscious Singaporean travellers, frequent travellers to countries with volatile exchange rates, digital nomads, students, and anyone without minimum income requirements who wants maximum savings without fees.

📖 Related Guide: YouTrip Exchange Rates: Everything You Need to Know

Other No-Fee Alternatives for Singaporean Travellers

While YouTrip dominates the no-fee multi-currency space for Singaporean travellers, these alternatives exist:

• Wise Card: Similar multi-currency functionality with competitive mid-market rates; better for frequent transfers but less optimised for the Singaporean market
  
• Revolut: Offers cryptocurrency and stock trading features alongside currency exchange; higher fees compared to YouTrip for Singaporean users
  
• DBS Multi-Currency Account (MCA): Allows currency locking but requires maintaining an account relationship; less competitive rates than YouTrip

Verdict: YouTrip remains the best no-fee travel card for Singaporean travellers due to superior rates, local market optimisation, and partnership perks specifically designed for Singapore residents.

Verdict: Which Is the Best Singapore Credit Card for You?

There’s no single “best Singapore credit card for travel” — the right choice depends on your spending habits, travel frequency, and priorities.

• Choose YouTrip if: You want to maximise savings, have no minimum income, or take frequent trips where 3.25% fees add up quickly.
  
• Choose Citi PremierMiles if: You want simple, consistent miles earning across all spending with no expiry concerns.
  
• Choose UOB PRIVI Miles if: You’re a high spender (S$10,000+ overseas annually) who books through Agoda/Expedia.
  
• Choose HSBC TravelOne if: Airport lounge access matters more than marginal differences in miles earning.
  
• Choose DBS Altitude if: You prefer permanent rewards without expiry pressure or redemption urgency.
  
• Choose OCBC 90°N if: You’re an Agoda power user who books most accommodations through their platform.

💡 Pro Tip for Singaporean Travellers

Many sophisticated travellers use a combination strategy:

• YouTrip for daily overseas spending (save 3.25% FX fees on meals, shopping, transport)
• Premium credit card for bonus categories (earn 6-7 mpd on hotel/airline bookings only)

This hybrid approach maximises both savings and rewards, giving you the best of both worlds.

The Best Travel Card Might Not Be a Credit Card

There’s no doubt that credit cards are definitely a great way to rack up rewards like cashback and miles as you spend. However, these credit cards do often come with annual fees, foreign transaction fees, as well as interest charges and penalties if you don’t clear your bills on time, so make sure you carefully consider which is best suited for your lifestyle.

If you’re looking for a travel card with no annual or foreign transaction fees, consider YouTrip! Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!

Happy travels!

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