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Foreign Currency Transactions: Earning Cashback vs YouTrip Savings

Foreign Currency Transactions: Earning Cashback vs YouTrip Savings
Aravind Mano
  • Aravind Mano
  • 3 July 2020
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Bank credit cards offer cashback rewards for purchases in foreign currency, but is the cashback worth it compared to direct savings with the YouTrip card?

When it comes to credit card rewards, there are pretty much two camps. On one side, you have Team Miles, who champions for optimising expenses towards upgrades and discounts on flight tickets. And then you have Team Cashback, which is a familiar concept for most people – getting a percentage of expenses credited back to you.

Bank Cards vs YouTrip Guide:
#1: Earning Miles vs YouTrip Savings
#2: Earning Cashback vs YouTrip Savings

#3: Should I Ditch My Miles Card?

Depending on your lifestyle and preferences, most people choose to subscribe to one or the other, sometimes even both in order to maximise their rewards. And so the debate has raged on for years: Which is better? Miles or cashback?

A cursory search online will give you endless breakdowns of the pros and cons of either of these rewards programmes. So we’re not going to wade into that. What we want to talk about is where a YouTrip card fits into all of this, especially when you want to buy something in foreign currency – be it in United States dollar (USD), Great British Pounds (GBP) or even Japanese yen (JPY).

In fact, seeing as we’ve already done a comparison for YouTrip card and miles credit cards, it only makes sense to follow that up with a comparison of savings between its cashback counterpart and YouTrip.

What Are Some Common Cashback Offers?

These are some of the more prominent cashback cards around, let’s look at how much cashback they offer per month for foreign currency transactions. Do note that this table may exclude periodic promotions that may be running for these cards.

Credit CardCashback
UOB YOLO0.3% to 3%
(Capped at $60)
DBS Live Fresh0.3% to 5%
(Capped at S$20 for online spend)
OCBC 3650.3% to 3%
(Capped at S$80)
Citi Cash Back1.6%
Standard Chartered Unlimited Cashback1.5%

Conditions vs Simplicity

While these numbers may seem enticing on their own, they also come with a host of conditions. Many cashback credit cards are known to cap the amount a single user can earn each month, and/or impose minimum spending. This may not be ideal, especially if you’re considering to purchase big ticket items on top of your usual expenses. You could miss out on the full amount of savings you were expecting if it exceeds your monthly cap, or if you’re not already a big spender in the first place.

Some cards also break up your cashback entitlements into different categories – be it for dining, online spend, transport, etc.

What this means is that if you’re really into maximising your cashback returns, you’ll have to be vigilant about being on top of which card is best suited for the different categories you’re spending in. Not exactly the easiest thing to do, especially if you’ve got multiple cards to maximise rewards on the different categories.

While there are some cards that have abandoned this sort of complicated approach and simply promote a “no cashback cap, no minimum spend” on rewards, this in turn leads to lower cashback rewards as well. So as with all things personal finance, you’ll need to do your homework on the different cards offered and figure which one works best for your needs. While there are lots of benefits to playing the cashback game, you’ll need to keep the above points in mind if you want to play it right. 

Buying Something in Foreign Currency

Say you’ve just read our guide to getting a cheaper pair of AirPods from Amazon US, and are looking to get it for yourself.

Since the markups that banks impose on exchange rates can be unclear, we’ll exclude that from this calculation, and consider the listed price of US$169 (~S$235.65) from Amazon US based on YouTrip’s real-time Wholesale Exchange Rates. This is how YouTrip compares against a typical cashback credit card that charges 3.25% for foreign currency transactions:

CardFeesCashbackYou Pay
YouTrip––~S$235.65
Cashback Card~S$7.70
(3.25%)
~S$7.10
(3%)
~S$236.25

Foreign Transaction Fees
Even though cashback is awarded, you’ll most likely still pay more at the end of the day due to the flat foreign transaction fees charged by the banks – usually a standard 2.8% to 3.25% for bank cards.

Poor Exchange Rates & Markups
What’s worse, you could pay anywhere between 7% to 15% extra if you triggered DCC unknowingly. Yes, DCC is still a very real problem, so we’ve got a step-by-step guide to help you avoid DCC and what to do if you happen to fall into it. This causes unfavourable rates and markups when you spend with bank cards, which leaves a dent in however much you’re getting back in cashback. Chances are you’ll pay more than just ~S$0.60 extra for your AirPods with a cashback credit card.

Cashback Conditions
Apart from the uncertainty in exchange rates and DCC trap, you’ll also need to meet the minimum spend per month on your cashback credit card to qualify for the cashback reward. And if you’ve already hit your cashback cap for the same category in that month, you won’t enjoy any more cashback.

Sounds like too many qualifiers? We know.

While cashback cards do help you save when spending in your local currency, those savings take a hit when you factor in the additional fees and charges that come with spending in foreign currencies with these cards.

Though nobody’s really traveling right now due to the pandemic, more and more people are shopping online, especially on overseas sites where things are much cheaper with better deals. Just like the AirPods, you can get cheaper A&F clothes from the US store, cheaper Muji items from its official store on Taobao, and even cheaper cosmetics on Cult Beauty compared to Sephora.

When you’re scoring these great bargains in foreign currency, make sure that you’re using the right card to pay for your shopping hauls. Otherwise, your potential savings may just turn out to be extra costs.

Cashback Doesn’t Always Mean Savings

You may notice that we’ve illustrated the AirPods purchase based on a card that offers a relatively low cashback rate, compared to some other cards around. However, this is just to illustrate a broader point: using a cashback card can lull you into a false sense of savings security.

Without doing the math, you may assume that no matter what you spend on, getting cashback beats getting nothing. But this is not always the case.

When you’re spending in foreign currency, you’ll always need to take into account the poor exchange rates and additional fees you’ll be paying first, and then calculating if the cashback is actually worth it.

And if so, why not skip that process and simply avoid those fees entirely? Using cashback cards may seem like a no brainer, but when we’re talking about spending in foreign currency, simply whip out your YouTrip card instead.

Read: My Experience Buying From Muji’s Official Store On Taobao

Read: ASOS Hack: How to Save Money With GBP Currency

Read: iHerb Hack: How to Pay Less Without Promo Codes

Read: Debit Card Overseas Transaction Fees: Comparison Guide

Read: 5 Popular American Beauty Brands That You Can Buy Directly

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  1. All cashback will be capped at S$5.00
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Cashback Rates
CategoryNew  Customers (%)Existing Customers (%)
All Electronics103
All Fashion52
TELCO, Tickets & Vouchers, Vouchers, Others103
Hobbies & Sports, All Others103
Toys, Kids & Babies103
Health & Beauty52
Home & F&B103
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Cashback Rates
Product TypeSub-Product TypeCashback Rate
Hotels–5%
FlightsInternational Flight0.50%
China Domestic FlightUSD 0.6/ticket
Trains–USD 1.5/order
Tours & TicketsOther Activities4%
Attraction & Shows1.50%
Presale–5%

 

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  • Pay with YouTrip and apply code 'YOUBF10' during checkout
  • Enjoy $10 off upon checkout
Terms & conditions
  1. Limited to one time use per transaction.
  2. Discount will be given to total bill spend. Discounted products and services are eligible for this redemption.
  3. Discount cannot be used in Strip Merchandise and Clean Beauty Brands.
  4. Shipping fees apply if the minimum spend for free shipping is not met.
  5. Cannot be used in-conjunction with any other voucher, codes or redemption of Beauty Rewards points.
  6. Promotion ends on 30 Nov 2021 2359 hrs.
Redeem Deal

$19 cashback at Starhub!

$19 cashback (For new broadband signups)

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
  • We want to help you get your cashback!
    1. Ensure that you follow through with your purchase once you click on “Redeem Deal” on YouTrip Perks.
    2. If you jump out of the check-out process (even if to check on a message or just happen to close your browser), click through YouTrip Perks again to re-purchase to get your cashback.
Terms & conditions
  1. Only purchases made through the Starhub affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Starhub whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
  7. Only new broadband sign-ups are eligible for cashback
Redeem Deal

20% off at noah!

20% off supplements

  • Valid till 31 December 2022
  • Pay with YouTrip and apply code 'NOAHYT' during checkout
  • Enjoy 20% off supplements upon checkout
Terms & conditions
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
  2. 1 redemption per customer only
  3. Promo codes are not exchangeable for cash.
  4. Valid only for original price items.
  5. Not stackable with existing promotions.
  6. Exclusions Apply.
Redeem Deal

20% off at Zoey!

20% off supplements

  • Valid till 31 December 2022
  • Pay with YouTrip and apply code 'ZOEYYT' during checkout
  • Enjoy 20% off supplements upon checkout
Terms & conditions
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
  2. 1 redemption per customer only
  3. Promo codes are not exchangeable for cash.
  4. Valid only for original price items.
  5. Not stackable with existing promotions.
  6. Exclusions Apply.
Redeem Deal

2% cashback at Razer!

2% cashback

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
  • We want to help you get your cashback!
    1. Ensure that you follow through with your purchase once you click on “Redeem Deal” on YouTrip Perks.
    2. If you jump out of the check-out process (even if to check on a message or just happen to close your browser), click through YouTrip Perks again to re-purchase to get your cashback.
Terms & conditions
  1. Only purchases made through the Razer affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Razer whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
Redeem Deal

Up to $12 off at FairPrice Online!

$10 off min $135 spend

  • Valid till 22 December 2021
  • Pay with YouTrip and apply code 'MCXMAS21' during checkout
  • Enjoy $10 off min $135 spend
  • First 2,500 redemptions only

$12 off min $150 spend

  • Valid till 22 December 2021
  • Pay with YouTrip and apply code 'MCXMAS21' during checkout
  • Enjoy $12 off min $150 spend
  • First 2,500 redemptions only
Terms & conditions
  1. Redemption of promo code is applicable only for purchases made on FairPrice online at www.fairprice.com.sg and FairPrice Mobile App upon login, and for home delivery only.  
  2. Only one promo code can be used for each transaction. FairPrice reserves the right to reject any order that has violated this.
  3. Promo code is to be used for one-time redemption only.
  4. Promo code cannot be used for the purchase of certain restricted products, for example, certain infant milk formulas. Please visit FairPrice online for more details.
  5. Qualifying spend refers to a nett spend of at least S$135.00 (excluding delivery fee, service fee, and any other surcharge) in a single transaction at NTUC FairPrice online during the promotional period.
  6. Using a promo code in conjunction with other free gift promotions, may alter the minimum amount for delivery.
  7. Additional charges, service fees and minimum nett purchase amount for free home delivery may be required and may differ for promotional periods and will be in accordance to that stated on FairPrice online.
  8. It is advisable to have at least S$5 nett purchase amount in cart after application of promo code in order to be able to checkout.
  9. Promo codes are not exchangeable or refundable for cash or other goods and services.
  10. FairPrice reserves the rights to vary/amend the privileges or terms and conditions of this promotion without prior notice. 
  11. Other terms and conditions on FairPrice online (https://help.fairprice.com.sg/hc/en us/categories/360001184571-FairPrice-Online) apply.
  12. Mastercard does not assume any responsibility for the products and services offered under this promotion. The products are sold and services are provided solely by the relevant vendors, under such terms and conditions as determined by such vendors, and Mastercard accepts no liability whatsoever in connection with such products and services. The products and services have not been certified by Mastercard and under no circumstances shall the inclusion of any product or service in this promotion be construed as an endorsement or recommendation of such product or service by Mastercard
Redeem Deal

8% cashback at On The List!

8% cashback

  • Valid till 31 December 2022
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
Terms & conditions
  1. Only purchases made through the On The List affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to On The List whenever you are making a new transaction.
  3. Purchases made via the On The List mobile site or app are not eligible for cashback.
  4. Purchase must be made within the same window.
  5. Cookies must be enabled on your browser for cashback to be tracked.
  6. Cashback will be awarded after 45 days from the date of purchase.
  7. Cashback will not be awarded for cancelled or refunded orders.
Redeem Deal

10% cashback at Puma!

10% cashback

  • Valid till 30 Dec 2023
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
Terms & conditions
  1. Only purchases made through the Puma affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Puma whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
Redeem Deal

3% cashback at 24S!

3% cashback

  • Valid till 31 December 2022
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
Terms & conditions
  1. Only purchases made through the 24S affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to 24S whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
  7. Celine, Louis Vuitton and Dior products are not eligible for cashback.
Redeem Deal

2.1% cashback at Watsons!

2.1% cashback

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
  • We want to help you get your cashback!
    1. Ensure that you follow through with your purchase once you click on “Redeem Deal” on YouTrip Perks.
    2. If you jump out of the check-out process (even if to check on a message or just happen to close your browser), click through YouTrip Perks again to re-purchase to get your cashback.
Terms & conditions
  1. Only purchases made through the Watsons affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Watsons whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
Redeem Deal

Up to 10% off at Qatar Airways!

Up to 10% off 

  • Valid till 30 April 2023
  • Click through to Qatar via YouTrip Perks, apply code 'YTQR22' & Pay with YouTrip during checkout
  • Enjoy up to 10% off upon checkout
  • We want to help you get your cashback!
    1. Ensure that you follow through with your purchase once you click on “Redeem Deal” on YouTrip Perks.
    2. If you jump out of the check-out process (even if to check on a message or just happen to close your browser), click through YouTrip Perks again to re-purchase to get your cashback.
Terms & conditions
  1. Sales period: 1 November 2022 – 30 April 2023
  2. Travel period: 1 November 2022 – 31 July 2023
  3. Booking must be made using promo code YTQR22 to avail of the discount
  4. Full payment must be made with a YouTrip Card
  5. Save 10% on Business Class Comfort fares
  6. Save 10% on Economy Class Convenience fares
  7. Save 7% on Economy Class and Business Class Classic fares
  8. Valid only on Qatar Airways flights from Singapore
  9. Valid to the following destinations: Abu Dhabi, Almaty, Amsterdam, Ankara, Athens, Atlanta, Baku, Barcelona, Belgrade, Berlin, Boston, Brussels, Bucharest, Budapest, Cape Town, Casablanca, Chennai, Chicago, Copenhagen, Dallas, Dar Es Salaam, Doha, Dubai, Dublin, Durban, Edinburgh, Frankfurt, Geneva, Harare, Helsinki, Houston, Islamabad, Johannesburg, Kilimanjaro, Larnaca, London, Los Angeles, Lusaka, Luxor, Madrid, Malabo, Manchester, Medina, Miami, Milan, Mombasa, Montreal, Moscow, Mumbai, Munich, Nairobi, New York City, Oslo, Paris, Philadelphia, Pisa, Prague, Rome, San Francisco, Sao Paulo, Seattle, Seychelles, Sharjah, Sofia, St Petersburg, Stockholm, Tbilisi, Venice, Vienna, Warsaw, Washington, Windhoek, Yerevan, Zagreb, Zanzibar, Zurich
  10. All-in fares include all taxes, fees, and surcharges which are subject to currency fluctuation
  11. Blackout dates and surcharges may apply. Please refer to the fare rules for details at the time of booking.
  12. Blackout Periods: 18 Nov – 20 Dec 2022 (Doha and Middle Eastern Countries), 1 Jan – 10 Jan 2023 (All destinations)
  13. Peak period surcharges may apply
  14. Fares are subject to change without prior notice
  15. Discount applies to return base fare only of selected fare classes
  16. Discount does not apply to taxes and all other surcharges
  17. Seats are limited and are subject to availability of the relevant booking class
  18. Minimum and maximum stay as well as advance purchase rules apply dependent on the booking class
  19. Please refer to the fare rules at the time of booking for changes, cancellations and no-show conditions
  20. Any change or cancellation less than 3 hours prior to the stated time of departure will be considered as no-show
  21. For travel involving multiple booking classes, the most restrictive fare rules apply to the entire itinerary
  22. Standard child/infant discount apply
  23. Please note that market-specific promotional fares may be available for selected dates and destinations, and may not be eligible for the discounts under this offer. All available options, together with the applicable terms & conditions for each fare will be displayed at time of booking for you to make your selection
  24. Qatar Airway’s terms and conditions will also apply to your booking, please review these at the time of booking
  25. Other terms and conditions apply. Please review at the time of booking
Redeem Deal

5% cashback at Chemist Warehouse!

5% cashback

  • Valid till 31 December 2022
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout
Terms & conditions
  1. Only purchases made through the Chemist Warehouse affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Chemist Warehouse whenever you are making a new transaction.
  3. Purchase must be made within the same window.
  4. Cookies must be enabled on your browser for cashback to be tracked.
  5. Cashback will be awarded after 45 days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
Redeem Deal

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