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Multi-Currency Accounts vs Wallets vs Cards: FX Fees Comparison

Multi-Currency Accounts vs Wallets vs Cards: FX Fees Comparison
  • 26 July 2019
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Heading for a getaway? Here’s a comparison of foreign transaction fees for some of the popular products and services available in the market.

Other than YouTrip, there are also other multi-currency accounts, wallets, and cards that aim to help you pay overseas without incurring foreign transaction fees. But how much do they really help you save?

Scenario: You’re spending MYR RM3,000 (SGD $996.20*) for your weekend getaway in Johor Bahru. Here’s how much each service costs:

ProductFeesBilledTerms
DBS MCA3.25%SGD $1,030.21
(+SGD $34.01)
–
UOB Mighty FX3.25%SGD $1,028.66
(+SGD $32.46)
–
Frank by OCBC3.25%SGD $1,028.66
(+SGD $32.46)
SGD $32.46 will be credited 1 month after cash back promo ends
CIMB Platinum Mastercard3%SGD $1,026.17
(+SGD $29.97)
SGD $20 max cash back will be credited the next billing cycle
American Express–SGD $?–
RHB TravelFX2.8%SGD $1,025.72
(+SGD $27.94)
–
YouTrip–SGD $996.28
(+ SGD $0.08)
–

*Based on Google rates published on 26 July 2019, 12:00 (UTC +8).

DBS MCA (Account-linked Debit Card)

As the popular Malaysian Ringgit is not part of DBS MCA’s 11 currencies, you’ll be subjected to foreign transaction fees. When you pay using the linked DBS debit card, you have to fork out an extra 3.25% for the foreign transaction fee. That’s not all, DBS MCA also penalises you with a fall-below fee of up to SGD $7.50 when your bank account doesn’t meet the minimum balance if you’re above 29 years old.

Price (MYR RM3,000)Billed
SGD $996.20SGD $1,030.21 (+SGD $34.01)

UOB Mighty FX (Account-linked Debit Card)

Unfortunately, the popular Malaysian Ringgit isn’t supported by UOB Mighty FX as well. Hence, you’ll also have to pay that extra 3.25% for the foreign transaction fee. And depending on which UOB account you link to, you may also be penalised with a fall-below fee of up to SGD $7.50 when your bank account doesn’t meet the minimum balance.

Price (MYR RM3,000)Billed
SGD $996.20SGD $1,028.66 (+SGD $32.46)

Frank by OCBC (Account-linked Debit Card)

When we look for multi-currency payment options, we hardly think of Frank by OCBC. However, they’ve recently launched a promotion that promises to waive foreign transaction fees. It seems pretty good at first glance, but the terms and conditions always disappoint, don’t they? Heads up! We’ve done the nitty-gritty reading so you don’t have to:

  1. Promotion ends 31 October 2019
  2. You pay the 3.25% foreign transaction fee first, and it’ll be credited to you as cash back afterwards
  3. You’ll only receive the cash back 1 month after the promotion ends

This means that when you shop overseas, you have to calculate and track the 3.25% in whatever you’ve spent to ensure the cash back you receive in the end tallies with your calculations. All that for a drop of cash back? 🤔 That’s a lot of work just to get back your own money.

Oh, there’s also a minimum balance you have to maintain too, otherwise you’ll be penalised with a SGD $2 fall-below fee if you’re above 26 years old.

Price (MYR RM3,000)Billed
SGD $996.20SGD $1,028.66 (+SGD $32.46)
Note: SGD $32.46 will be credited to you 1 month after promo ends

CIMB Platinum Mastercard (Credit Card)

Woah, 10% cash back on foreign currency spend! But again, terms and conditions 👀. In order to achieve this 10% cash back, the following criteria applies:

  1. Only airlines, hotels, travel agencies, and railways purchases in foreign currency are eligible
  2. Charge a minimum SGD $800 to your card per month
  3. Cash back capped at SGD $20

With the cash back cap, this means that only SGD $200 of your foreign currency purchase qualifies for the SGD $20 cash back. When you spend beyond that, you don’t get anything more. And remember, this is a credit card, which means that you’ll still be subjected to a foreign currency transaction fee of 3%.

Price (MYR RM3,000)Billed
SGD $996.20SGD $1,026.17 (+SGD $29.97)
Note: SGD $20 will be credited to you the next billing cycle

American Express (Credit Card)

You may not heard of this, because American Express quietly introduced a foreign currency spend cash back program to its existing users. From now till 30 June 2020, users can register their Amex credit cards to enjoy an extra 1% on top of the existing 1.5% cash back on foreign currency spend – so now a total of 2.5%. Keep in mind that it’s still a credit card, which means that the foreign currency transaction fee of 2.5% still applies.

Even though the fee and cash back cancel each other out, you may still be subjected to Amex’s currency exchange rates, which we’re unsure of because there doesn’t seem to be a calculator or rate table available (let us know if you find one!). 

Price (MYR RM3,000)Billed
SGD $996.20SGD $?

RHB TravelFX (Multi-Currency Wallet & Prepaid Card)

When you use RHB TravelFX for your Malaysian Ringgit purchase, you’ll also be subjected to a fee – but at 2.8% because it’s not within its 11 supported currencies. There’s no need to link to a bank account and maintain a minimum balance unlike DBS MCA, UOB Mighty FX, and Frank by OCBC, so that’s one thin silver lining at the very least.

Price (MYR RM3,000)Billed
SGD $996.20SGD $1,025.72 (+SGD $27.94)

YouTrip (Multi-Currency Wallet & Prepaid Card)

Malaysian Ringgit? No problem! In fact, no problem to over 150 currencies, whether it’s the ever popular Korean Won or Thai Baht. No matter what currency you’re paying in, you’ll be enjoying transparent Wholesale Exchange Rates. There’s no promotion fine print, because no fees means no fees 😎. No minimum balance to worry about either. We know it sucks to spend and track that extra 3.25% just to get it back a few months later. With YouTrip’s real-time app notification, you can rest assured that your cost savings are immediate when it shows how much you’ve spent in SGD the moment you transact.

Price (MYR RM3,000)Billed
SGD $996.20SGD $996.28 (+ SGD $0.08)

Spotted the extra SGD $0.08? YouTrip’s Wholesale Exchange Rates are managed by the YouTrip platform with our foreign currency partners and Mastercard®, typically with a marginal difference of between 0.1% and 0.4%.

Holidays should be carefree – why pay extra and worry about fees? Calculations suck, so leave the fees behind and enjoy a fee-less getaway with YouTrip instead. 

All published rates are calculated based on currency exchange rates on 29 July 2019, 12:00 (UTC +8)

Read: How to Avoid DCC: SGD vs Local Currency

Read: How to Avoid Credit Card Scams and Frauds Overseas

Read: 7 Best Holiday Booking Hacks to Score Best Deals

Read: 12 Travel Hacks To Become a Smarter and Better Traveller

Read: How My Family Escaped an Extortion in Vietnam

Enjoy a worldwide fees-less travel experience!

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  • Valid till 31 December 2023
  • Pay with YouTrip and apply code 'YOUTRIP15' during checkout
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Terms & conditions
  1. Valid for traveller purchases only.
  2. Payment must be made with YOUTRIP Mastercard.
  3. Only one Promo Code may be used at a time.
  4. Promotion is valid until 31 December 2023.
  5. Promotion is not exchangeable for cash, prizes, products or other vouchers.
  6. Promotion is not valid in conjunction with privilege holder discounts.
  7. Chanel and Dior are excluded from this promotion.
  8. The Shilla Duty Free reserves the right to amend or withdraw any terms & conditions without any prior notice.
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$20 cashback (For new Circles.Life customers)

  • Valid till 31 December 2023
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  • 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 Circles.Life affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Circles.Life 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
  7. Not applicable for purchases made via the Circles.Life mobile application
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7% cashback (New Sephora users)

  • Valid till 31 December 2023
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2.5% cashback (Existing Sephora users)

  • 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!
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    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 Sephora affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Sephora 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
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Up to 10% cashback (New Shopee users)

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
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3% cashback (Existing Shopee users)

  • 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. All cashback will be capped at S$5.00
  2. Only purchases made through the Shopee affiliate link provided by YouTrip will be eligible for cashback.
  3. Return to YouTrip Perks and clickthrough to Shopee whenever you are making a new transaction.
  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 not be awarded for cancelled or refunded orders.
  7. Cashback will be awarded after 45 days from the date of purchase.
  8. Please refer to the table below for product cashback rates
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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10% cashback with min S$50 spend

  • Valid till 31 January 2022
  • Register and spend a minimum of $50 and pay with YouTrip during checkout
  • Register for promotion here
  • For first 750 users only
Terms & conditions
 
  1. 10% cashback with minimum spend of $50.
  2. Limited to the first 750 users on a first come, first served basis. 
  3. Payment must be charged to a YouTrip Mastercard. 
  4. The required minimum spend must be in a single transaction before any other promo codes, vouchers or coupons. Minimum spend excludes all taxes and fees, including but not limited to shipping and handling, unless otherwise stated.
  5. All purchases made in conjunction with the Offer are subject to prevailing taxes and service charges where applicable. 
  6. YouTrip makes no warranty or representation as to the quality, merchantability or fitness for purpose of any goods or services purchased from the merchant. Any dispute about the same must be resolved directly with the merchant. 
  7. YouTrip shall not be responsible for any loss, injury, claim, damage or expense arising from the redemption of the Offer or the use of the goods and services purchased from a merchant.
  8. YouTrip is not an agent of Taobao or any merchant, or vice versa.
  9. All information is correct at time of print. YouTrip will not be responsible for any
    changes which occur after print.
  10. YouTrip reserves the right to vary the terms and conditions of the Offer or withdraw
    or discontinue the Offer by providing written notice to the other party at least 7 days
    in advance and indemnify the direct economic loss of the other party caused by
    YouTrip’s behavior under the clause.
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10% off at SweatSpot!

10% off all packages

  • Valid till 12 April 2022
  • Pay with YouTrip and apply code 'YOUTRIP' upon checkout
  • Enjoy 10% off upon checkout
Terms & conditions
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
Redeem Deal

Up to 5% cashback at ASOS

Up to 5% cashback (New ASOS users)

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout

3% cashback (Existing ASOS users purchases via Web)

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
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2% cashback (Existing ASOS users purchases via App)

  • 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 ASOS affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to ASOS 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
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Up to 6% cashback at JD Sports!

6% cashback (Regular-priced items)

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
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2% cashback (Sale Items)

  • 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 JD Sports affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to JD Sports 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
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  • Valid till 26 November 2021
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  • Receive cashback by 31 December 2021
Terms & conditions
  1. Limited to the first 1,000 redemptions
  2. Only bookings made via the SIA website, Mobile App or selected list of SIA appointed travel agents within the campaign period and redemption limit will be eligible for cashback.
  3. For full T&Cs, please visit https://www.you.co/sg/youtrip-singapore-airlines-cashback-tnc/

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  • Valid till 26 November 2021
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  • Register through YouTrip's campaign registration form
  • Enjoy up to 6x KrisShop e-Vouchers per booking
Terms & conditions
  1. Limited to the first 4,000 redemptions
  2. Only bookings made via the SIA website, Mobile App or selected list of SIA appointed travel agents within the campaign period and redemption limit will be eligible for KrisShop e-Voucher rewards
  3. Offer is strictly applicable to flights to and from the following destinations only: Frankfurt, Munich, Amsterdam, Barcelona, Copenhagen, London, Los Angeles, Milan, New York, PAris, Rome, San Francisco, Seattle or Vancouver
  4. For full T&Cs, please visit https://www.you.co/sg/youtrip-singapore-airlines-krisshop-tnc/
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Up to 6% cashback at Charles & Keith!

6% cashback (New Charles & Keith users)

  • Valid till 31 December 2023
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3% cashback (Existing Charles & Keith users)

  • Valid from 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 Charles & Keith affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Charles & Keith 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
  7. Purchases made via the Charles & Keith mobile app will not be eligible for cashback.
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25% off min $60 spend

  • Valid till 31 December 2021
  • Pay with YouTrip and apply code 'YOUTRIP25' during checkout
  • Enjoy 25% off min $60 spend upon checkout
Terms & conditions
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
  2. Only 1 promo code may be used at a time.
  3. Promo codes are not exchangeable for cash.
  4. Valid only for original price items.
  5. Not stackable with existing promotions.
  6. Exclusions Apply.
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25% off at HOUZE!

25% off min $60 spend

  • Valid till 31 December 2021
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Terms & conditions
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
  2. Only 1 promo code may be used at a time.
  3. Promo codes are not exchangeable for cash.
  4. Valid only for original price items.
  5. Not stackable with existing promotions.
  6. Exclusions Apply.
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Up to 5% cashback at Trip.com!

Up to 5% 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 Trip.com affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Trip.com 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
  7. Please refer to the table below for full cashback rates.
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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4% cashback at UNIQLO!

4% 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 UNIQLO affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to UNIQLO 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
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3% 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 Dyson affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Dyson 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
  7. Dyson accessories will not be eligible for cashback.
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$8 off min S$50 spend

  • Valid till 31 December 2021
  • Pay with YouTrip and apply code 'YOUTRIP8' during checkout
  • Enjoy 8% off min S$50 spend 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.
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Up to 10% off at Expedia!

Up to 10% off

  • Valid till 30 Jun 2023
  • Pay with YouTrip and apply code 'MASTER10' during checkout
  • Enjoy 10% off (Capped at S$70) 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. Booking period Now till 30 Jun 2023
  2. Stay period: Now till 31 September 2023
  3. Participating “Expedia Rate” hotels refer to hotels labelled “Expedia Rate” and are not on the exclusion list available at the booking page.
  4. Up to 10% discount coupon on hotel bookings at thousands of participating properties globally.
    10% savings with promo code MASTER10
    – Singapore: Discount value capped at SGD70 per transaction
  5. No minimum stay requirement.
  6. Coupon only applies to first room in the booking.
  7. Promo code only applicable when using your YouTrip Mastercard upon checkout.
  8. Only 1 promo code may be used at a time.
  9. Promo codes are not exchangeable for cash.
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S$15 off at The Shilla!

S$15 off min S$150 spend in store

  • Valid till 31 December 2022
  • Flash this at the counter and pay with YouTrip during checkout in store
  • Enjoy S$15 off min S$150 nett spend
Terms & conditions
  1. Valid until 31 December 2022.
  2. Limited to one redemption per customer.
  3. Any outstanding balance after deducting the face value of the voucher must be paid in full using YouTrip Card
  4. The promotion must be fully utilised and any unutilised amount will be forfeited.
  5. Not exchangeable for cash, prizes, products or other vouchers.
  6. Not valid in conjunction with privilege holder discounts.
  7. Chanel and Dior are excluded from this promotion.
  8. The Shilla Duty Free reserves the right to amend or withdraw any terms & conditions without any prior notice.
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Up to 12% cashback at AirAsia Food

12% cashback (New AirAsia Food Customers)

  • Valid till 31 December 2022
  • Pay with YouTrip during checkout
  • Receive cashback within 45 days after checkout

6% cashback (Existing AirAsia Food Customers)

  • 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 AirAsia Food affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to AirAsia Food 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
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5% cashback at AirAsia Grocer!

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 AirAsia affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to AirAsia 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 not be awarded for cancelled or refunded orders.
  6. Cashback will be awarded after 45 days from the date of purchase.
Redeem Deal

$10 off at Beauty Emporium!

$10 off (No min spend)

  • Valid till 30 November 2021
  • 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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