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Using Credit Card Overseas: Transaction Fees Guide

Using Credit Card Overseas: Transaction Fees Guide
Aravind Mano
  • Aravind Mano
  • 26 August 2020
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Looking to use your credit card for overseas spending? The various foreign transactions fees may make you think twice about using credit card overseas!

This guide’s for two groups of people. For those gearing up to jet set on that long-awaited adventure, we can’t be more excited for you! However, even if you are not planning to make use of the VTLs just yet — this one’s still for you. While you aren’t entering those overseas stores physically, we’re pretty sure that you’ll still be using a credit card overseas, overseas online stores, that is. And that’s no small feat; saving ~S$50 on a pair of Apple AirPods from Amazon US or using VPN to access A&F’s US online store for cheaper clothes is a great way to be savvy with your money.

But what if you’ve been using the wrong card for payment? What if using your credit card to pay for a cheaper iPad Pro on Amazon US in USD was raking up credit card fees that would end up negating your cost savings?

Guide to Cost Savings For Foreign Currency Payments:
#1: How to Avoid DCC: SGD vs Local Currency
#2: Debit Card Overseas Transaction Fees: Comparison Guide
#3: Credit Card Overseas Transaction Fees: Comparison Guide

Cons of Using A Credit Card Overseas

Using Credit Card Overseas: Transaction Fees Guide

Sure, spending with a credit card overseas obviously has its perks. It’s easy, convenient, and most of them reward you with either miles or cashback each time you spend. What’s not to love?

When it comes to making foreign currency payments, banks will charge you additional fees that you may not even realise — and that’s something we very much do not love.

How do these fees affect your transactions, you ask? Here’s a breakdown of the various “hidden” transaction fees that come with all your foreign currency payments.

🤔 What Types of Overseas Transaction Fees Are There for Credit Cards?

1. Foreign Currency Transaction Fee: You make an overseas purchase and charge it to your bank-issued credit card in foreign currency.
👉🏻 You’ll be subject to an additional fee, typically ~3.25% of the converted Singapore Dollar amount.

2. Currency Conversion Fee: You make an overseas purchase and choose to charge it to your bank-issued credit card in Singapore Dollars.
👉🏻 Usually, a ~1% fee is charged to process this conversion.
👉🏻 It may seem the wiser decision, but Dynamic Currency Conversion (DCC) will kick in and you’ll be subjected to currency exchange rates with high markups – you could end up paying 7% to 15% extra.

Credit Card Overseas Transaction Fees

BankForeign Currency Transaction FeeCurrency Conversion Fee
DBS3.25%1%
POSB3.25%1%
UOB3.25%1%
OCBC3.25%1%
Citibank3.25%1%
Maybank2.75%1%
Standard Chartered3.5%1%

As you can see, most banks impose a transaction fee of 3.25%, while a currency conversion fee of 1% is consistent across the board. In addition to the different fees, foreign exchange rates also vary between banks and card associations (Visa, Mastercard, etc.).

Now that you know the numbers that hide behind every foreign transaction on a credit card, let’s do the math on an overseas purchase. For simplicity’s sake, we’ll assume the same exchange rates across all banks, as we compare the different foreign transaction fees.

How Much More Do I Pay in Foreign Currency?

Assume you’re on an online store based in the United States and are buying an item that costs US$500 (~S$684.40). You pay with your Singapore credit card and choose to make the payment in USD. Here’s what that transaction will look like on your monthly credit card statement or transaction alert:

Item PriceExtra Paid (3.25%)Final Billed Price
US$500
(~S$684.40)
+ S$22.20~S$706.60

How Much More Do I Pay in Singapore Dollars?

Now assume you’re purchasing the same item on the same US online store. Only this time, you choose to pay in SGD instead. Here’s how that transaction will look like on your statement or transaction alert:

Item PriceExtra Paid (7%)Final Billed Price
US$500
(~S$684.40)
+ S$47.90~S$732.30

You may notice that in this case, the estimated billed charge is 7% more. Shouldn’t it be only ~1% extra to account for the currency conversion charge?

That’s exactly the bill shock you might get when you receive your transaction alert or eventually check your card statement. Don’t forget that when you choose to pay in SGD while making a foreign currency payment, you allow the merchant to activate DCC which is known for its awful exchange rates. While we can’t put a definite number to this, you could be paying up to 15% more!

Pro tip: Never pay in SGD while making a foreign currency payment. We’ve got just the guide for you to avoid DCC easily. All that being said, how does each payment option weigh against each other?

Option 1: Using a Credit Card

Miles, cashback, and other rewards programmes may entice you to charge all your payments to credit cards, regardless of fees in place. However, do keep in mind that the additional charges imposed on foreign transactions particularly may negate these benefits, or at the very least make them a lot less compelling, in terms of cost-per-reward.

If you’re not willing to do the math yourself, check out our comparisons of foreign currency spend with cashback credit cards and miles cards to see how it may not be in your favour to make foreign currency payments with a credit card.

With all this in mind, at the end of the day, you’ll only need to ask yourself one question. Are you willing to pay all those extra dollars on unnecessary fees just for some miles or to see a little cash credited back to you at the end of the month?

Option 2: Using a Multi-Currency Account-Linked Debit Card

You can choose to sign up for a bank’s multi-currency account that comes with a debit card. The debit card only allows you to pay without fees for their preset currencies. However, when you spend outside of these supported currencies, you’ll still have to pay an extra 3.25% on each transaction. Plus, if you don’t maintain a minimum balance in this multi-currency account, you may be penalised with a fall-below fee.

Option 3: Using a YouTrip Card

Using Credit Card Overseas: Transaction Fees Guide

Instead of jumping through hoops or resigning yourself to paying additional fees, you could sign up for a free YouTrip card instead. There are no gimmicks or qualifiers because when we say no fees, we mean it. On top of that, there isn’t any minimum balance to maintain either, nor a minimum spend.

With YouTrip, what you see is what you’ll pay. No fees in over 150 currencies so you can buy what you want, without ever having to make a calculation in your head on how much extra you’ll be charged. What’s more, with YouTrip’s Wholesale Exchange Rates, you’ll bag even bigger savings.

Oh, and you can use <BLOG5> during your sign-up to enjoy a free S$5 in your account!

For more great tips and guides like this, join our Telegram (@YouTripSG) and subscribe to our free weekly newsletter here or down below!

Related Articles

PayPal Currency Conversion Guide

ASOS Hack: How to Save Money With GBP Currency

YouTrip vs Revolut vs TransferWise: JB Weekend Getaway

*All currency conversion rates are accurate to nearest 10 cents on 26 August 2020 SGT 12:30.

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$10 off (No min spend)

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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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