What are the best travel credit cards in Singapore? We’re settling this debate once and for all in this comprehensive guide, where we’ll be comparing five of the best travel credit cards in Singapore for overseas spending in 2024 👇
Planning an overseas trip and looking for the best travel credit cards out there that won’t leave you high and dry when it comes to overseas spending? Well, look no further than this guide where we’ll be comparing five of the best travel credit cards in Singapore for overseas spending. From the convenience of being cash-free to exclusive travel perks and miles, credit cards offer a range of benefits that make them a must-have travel companion. And let’s be real, who doesn’t love earning rewards while exploring the world?
And because credit cards aren’t the way to go for everyone, we’ll be adding your trusty YouTrip card to the mix for the best rates all day and zero fees. Okay, enough dilly-dallying, check out which travel credit card in Singapore is best suited to your needs!
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Factors to consider when choosing a travel credit card in Singapore for overseas spending:
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2023/09/credit-card-1.jpg)
When choosing the best travel credit card for your overseas adventures, there are a few factors to consider:
1. Compare The Rewards & Benefits Of Different Credit Cards
Ensure you take a close look at the rewards and perks offered by different credit cards such as miles, cashback, travel insurance, airport lounge access, and hotel discounts.
After all, what’s not to love about earning points while splurging on a fancy dinner or treating yourselves to a relaxing spa session?
2. Weigh Benefits Against The Fees
Evaluate the annual fees and foreign transaction fees charged by each card. Most travel credit cards tend to charge a foreign transaction fee of ~3.25%.
3. Evaluate Your Spending Habits
Analyze your spending habits and determine which benefits align the best with your lifestyle. As most credit cards come with foreign transaction fees, one common strategy would be to look for a card with the highest cashback on international purchases. This can be especially beneficial to those who are seeking to earn rewards (but remember to make sure your costs and benefits balance out!).
Overall, your best approach would be to pick a travel credit card with the lowest transaction fee or opt for an alternative like the YouTrip card, which comes with no foreign transaction fees.
4. Is It Worth It?
Consider how much you’d typically spend and calculate the potential savings or benefits you’d earn over time.
5. Partner Discounts & Promotions
Take into account any exclusive deals, discounts, or promotions provided by partners that’ll help enhance your overall savings and travel experience.
6. Set A Budget & Pay On Time!
To fully maximise your credit card, it’s essential to set a budget and stick to it. Make sure you pay your credit card bills on time to avoid extra interest charges that would offset any rewards earned!
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Check out this guide for the best multi-currency cards in Singapore
Best Travel Credit Cards In Singapore For Overseas Spending:
Here’s a comparison of five of the most popular travel credit cards in Singapore to consider. And although not a credit card, we’ll be adding YouTrip to the mix for those who’d prefer to get wholesale exchange rates with zero fees for more savings on your travels:
YouTrip Card (Prepaid Mastercard) | Citi PremierMiles Visa Card | UOB PRIVI Miles Card (Mastercard/Visa/AMEX) | HSBC TravelOne Credit Card (Mastercard) | DBS Altitude Visa Signature Card | OCBC 90°N Card (Mastercard/Visa) | |
---|---|---|---|---|---|---|
Annual Fee | No fees | S$196.20 | S$261.60 | S$196.20 | S$196.20 | S$196.20 |
Foreign Transaction Fee | No fees | 3.25% | 3.25% | 3.25% | 3.25% | 3.25% |
Late Payment Fee | N/A | S$100 | S$100 | S$100 | S$100 | S$100 |
Able to lock in currencies? | ✅ Able to lock in 10 wallet currencies in-app (SGD, JPY, USD, EUR, GBP, HKD, AUD, NZD, CHF, SEK) | ❌ | ❌ | ❌ | ❌ | ❌ |
Rewards | ✅ Enjoy the best exchange rates in 150+ countries ✅ Free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter ✅ Score discounts & cashback on Trip.com, Booking.com, Agoda, Klook, etc., with YouTrip Perks | ✅ 2 Citi miles per S$1 local spend ✅ 2 Citi miles per S$1 foreign currency spend ✅ 10 Citi miles per S$1 spent on on Kaligo ✅ 7 Citi miles per S$1 spent on hotel bookings at Agoda ✅ 2 complimentary lounge visits per year | ✅ 1.4 miles per S$1 local spend ✅ 2.4 miles per S$1 overseas spend ✅ 6 miles per S$1 spend on hotel & airline bookings via Agoda & Expedia ✅ 2 complimentary airport transfers for UOB PRIVI Miles AMEX cardholders | ✅ 1.2 miles (3x reward points) per S$1 local spend ✅ 2.4 miles (6x reward points) per S$1 spent overseas ✅ 4 complimentary airport lounge visits per year | ✅ 1.3 miles per S$1 local spend ✅ 2.2 miles per S$1 overseas spend ✅ 4.3 miles on hotel transactions at Agoda ✅ 2 complimentary lounge visits per year | ✅ 2.1 miles per S$1 foreign currency spend ✅ 1.3 miles per S$1 local spend ✅ Up to 7 miles per S$1 spend on bookings made on Agoda |
Min. Annual Income Required | No minimum income | Singaporeans/PR: S$30,000 Foreigners: S$42,000 | Singaporeans/PR: S$30,000 Foreigners: S$40,000 | Singaporeans/PR: S$30,000 Foreigners: S$40,000 | Singaporeans/PR: S$30,000 Foreigners: S$45,000 | Singaporeans/PR: S$30,000 Foreigners: S$45,000 |
* Do note that the information on the credit cards above is accurate at the time of writing and is subject to change. Partnership promotions will also differ based on the different network providers chosen (Visa/Mastercard/AMEX).
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Here’s how to add your YouTrip card to Alipay & Wechat Pay
1. Citi PremierMiles Card
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2024/05/travel-cc-1.jpg)
Image Credits: Trevallog
👉 Pros: The Citi PremierMiles card is available on Visa and Mastercard networks. It features an enticing welcome bonus reward and the potential to earn up to 2 Citi Miles per S$1 local spend and 2 Citi Miles per S$1 foreign currency spend. Cardholders also get to redeem additional points when spending on Kaligo and Agoda.
Your accumulated points remain valid and have no expiry date, offering the flexibility to redeem them to offset your purchases or opt for cashback. You can also enjoy additional privileges such as lounge access and travel insurance when purchasing travel tickets with the Citi PremierMiles Visa card.
👉 Cons: Do note that a foreign transaction fee of up to 3.25% applies to all transactions in foreign currency. There is also a late payment fee of S$100 and an annual fee of S$196.20.
The Citi PremierMiles card also has an average foreign currency spend-earn rate compared to the other cards on this list. Additionally, the minimum transfer block for Citi Miles to KrisFlyer Miles is 10,000 Citi Miles.
Best Travel Credit Cards In Singapore For Overseas Spending 2024: We’re on Google Pay! Find out more here
2. UOB PRIVI Miles Card
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2024/05/travel-cc-2.jpg)
Image Credits: Mainly Miles
👉 Pros: UOB’s PRIVI Miles Card is available on Mastercard, Visa, or AMEX networks. New cardholders are entitled to enticing promotions and additional miles when paying your first-year annual fee. Benefits include potential earnings of up to 1.4 miles per S$1 local spend and 2.4 miles per S$1 overseas spend.
Cardholders will also get to enjoy additional miles when spending on Agoda and Expedia. Furthermore, UOB PRIVI Miles AMEX card members get 2 complimentary airport transfers quarterly, as well as travel insurance.
👉 Cons: Do note that a foreign transaction fee of up to 3.25% applies to all transactions in foreign currency. There is also a late payment fee of S$100 and an annual fee of S$261.60 which is higher compared to the other travel credit cards on this list.
UOB PRIVI Miles also have a 2-year shelf life and will expire. They also do not provide free airport lounge access.
Best Travel Credit Cards In Singapore For Overseas Spending 2024: We’re on Apple Pay! Find out more here
3. HSBC TravelOne Credit Card
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2024/05/travel-cc-3.jpg)
Image Credits: Zafigo
👉 Pros: The HSBC TravelOne Credit Card is a Mastercard with an appealing welcome bonus reward that requires you to meet the following criteria — such as paying the annual fee and spending a minimum amount in qualifying transactions within the spend period.
The HSBC TravelOne Credit Card also enables you to score up to 1.2 miles per S$1 on local spend and 2.4 miles per S$1 on foreign currency spend. Cardholders can enjoy instant point conversions with no redemption fee for redeeming air miles and hotel points till the beginning of 2025, as well as 4 complimentary lounge visits and complimentary travel insurance.
👉 Cons: Do note that there is a foreign transaction fee of up to 3.25% for all foreign currency transactions, an annual fee of S$196.20, and a late payment fee of S$100.
Unlike the other credit cards on this list, the HSBC TravelOne Credit Card has the lowest local spend-earn rates and lacks a bonus spend category. Additionally, lounge access cannot be shared with guests.
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Find out how to top up your virtual Suica card in Japan with YouTrip via Apple Pay
4. DBS Altitude Visa Signature Card
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2024/05/travel-cc-4.jpg)
Image Credits: ShrugMyShoulder
👉 Pros: The DBS Altitude Signature Card is available on Visa or AMEX networks. It offers welcome bonus miles with a min. spend requirement and by paying the first-year annual fee. Cardholders can enjoy up to 1.3 miles per S$1 local spend, 2.2 miles per S$1 overseas spend, and up to 4.3 miles on travel spend on Agoda.
DBS Points do not expire and can be redeemed for travel perks and benefits. Cardholders also get to enjoy a complimentary Digital Priority Pass membership as well as 2 free lounge visits.
👉 Cons: Do note that there is a foreign transaction fee of up to 3.25% for all foreign currency transactions, an annual fee of S$196.20, and a late payment fee of S$100.
The DBS Altitude Visa Signature Card also has one of the lowest local spend-earn rates compared to other cards.
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Make the switch from SGD to JPY! Find out how you can lock in the best JPY rates now!
5. OCBC 90°N Card
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2024/05/travel-cc-5.jpg)
Image Credits: Mainly Miles
👉 Pros: The OCBC 90°N Card is available on Mastercard and Visa networks. Cardholders get to earn up to 1.3 miles per S$1 local spend, 2.1 miles per S$1 foreign currency spend, and up to 7 miles per S$1 spend on bookings made on Agoda.
Cardholders are also able to redeem their miles in blocks as small as 1,000 for cash rebates, vouchers, or KrisFlyer miles — plus miles never expire.
👉 Cons: Do note that there is a foreign transaction fee of up to 3.25% for all foreign currency transactions, an annual fee of S$196.20, and a late payment fee of S$100.
The OCBC 90°N Card has the lowest earn-spend rate for foreign currency spend and does not offer lounge access.
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Check out this guide for our credit card transaction fees guide
Bring Your YouTrip Card Along For The Best Rates All Day
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2023/09/Bloggg.png)
As mentioned above, we’re not a credit card. This means there’s no minimum income required, no minimum spending, and no interest charges, annual fees, or penalties involved with us.
Furthermore, using your YouTrip Mastercard while you’re roaming the globe means you can lock in the best rates all day from our 10 in-app currencies. Plus, score favourable exchange rates for 150+ currencies worldwide — all at zero fees! With YouTrip, free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter.
Did we mention that we’re also the first e-wallet to enhance our wallet limits? You can now top up S$20,000 and spend with an upsized annual limit of S$100,000! Get ready to lock in more of the best rates all day
Best Travel Credit Cards In Singapore For Overseas Spending 2024: Check out our enhanced wallet limits here!
Verdict: The Best Travel Card For Overseas Spending?
![Best Travel Credit Cards In Singapore For Overseas Spending 2024](https://www.you.co/sg/wp-content/uploads/sites/2/2023/09/credit-card-final.jpg)
While there’s no single best travel credit card in Singapore, 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.
And hey, if you’re looking for a travel card with no annual or foreign transaction fees, consider our trusty YouTrip card!
As Singapore’s favourite multi-currency wallet, we aim to get those pesky fees out of the way and help you save on your travels. With the best foreign exchange rates, no longer will you have to deal with those long queues at money changers or stay cooped up in your hotel room counting petty cash. And because we’re all about making your travel experience convenient and enjoyable, we’re going digital with Apple Pay and Google Pay — all it takes is just a tap.
So if you’re looking for a go-to travel card sign up for your complimentary YouTrip card today with promo code <YTBLOG5> and get FREE S$5 in your account! For more great tips and articles like this, join our Telegram (@YouTripSG) and subscribe to our free weekly newsletter here or down below.
And while you’re at it, why not join the conversation with thousands of #YouTroopers in our very own Community Telegram Group @YouTripSquad? Get tips and tricks to everything YouTrip including exclusive invites to exciting events and experiences, & be part of the #YouTripSquad!
Happy spending 💜
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