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Wholesale Exchange Rates Explained: The Real Rates Banks Use

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Wholesale Exchange Rates Explained: The Real Rates Banks Use
blog

Wholesale Exchange Rates Explained: The Real Rates Banks Use

Author picture
Writer
Wholesale Exchange Rates Explained: The Real Rates Banks Use

Looking for the best way to exchange money abroad – even when there’s no money changer nearby?

Let’s talk about wholesale exchange rates — the real rates used by banks and financial institutions, and how you can enjoy them too with YouTrip.

 What are Wholesale Exchange Rates?

Wholesale exchange rates are the real-time foreign exchange rates used by banks, large corporations, and financial institutions for high-volume currency transactions.

These rates are much closer to the true market rate (also known as the mid-market or interbank rate) than the retail rates you get from money changers or airport counters.

How Good Are Wholesale Exchange Rates Compared to Others?

Wholesale exchange rates are typically almost identical to the rates shown on Google, XE.com, or Bloomberg, with only a tiny margin of difference.

Here’s an example based on the MYR to SGD exchange rate:

ProviderAmount You Receive (for 1,000 MYR)Difference
Google RateSGD $314.84+0.%
YouTrip (Wholesale Exchange Rates)SGD $314.74+0.03%
Money ChangerSGD $300.03+4.70%

Rates taken as of 13 Nov 2025

⚖️ In short: Wholesale rates help you save more — especially when travelling or shopping in foreign currencies.

Who Manages Wholesale Exchange Rates?

YouTrip’s Wholesale Exchange Rates are powered by YouTrip’s platform in partnership with global foreign currency providers and Mastercard®. Rates typically differ by only 0.1% to 0.4% from the mid-market rate — far lower than what you’d pay at most banks or money changers.

Can You View Wholesale Exchange Rates in Real Time?

Yes! You can check live YouTrip wholesale exchange rates anytime in the app for 12 wallet currencies:

SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, SEK, THB, MYR.

You can exchange and store any of these currencies instantly in your YouTrip wallet — no queues, no hidden fees.

What About the Other 140+ Currencies?

Yes, YouTrip covers over 150+ currencies worldwide.

When you spend in any of the remaining 140+ currencies (like KRW, IDR, or VND), YouTrip’s SmartExchange™automatically converts your base currency at wholesale exchange rates — so you always get the best rate available.

Example:
Paying for skincare in Seoul? YouTrip automatically converts your SGD to KRW at wholesale exchange rates — no markup, no stress.

📖 Find out which currencies are supported here


How to Check Wholesale Exchange Rates for Other Currencies

You can view real-time rates for all other currencies through the Mastercard® Currency Converter:

Access Mastercard® Currency Converter:

  1. Select the foreign currency (e.g., KRW).
  2. Enter your amount.
  3. Set bank fee to 0%.
  4. Select SGD as your home currency.

Do You Pay Any Fees for Wholesale Exchange Rates?

Nope. YouTrip gives you true wholesale exchange rates with no hidden markups or transaction fees, across 150+ currencies worldwide.

Whether you’re booking hotels in Japan, shopping online in the US, or paying for meals in Europe — you’re always getting a near-interbank rate with YouTrip.

Enjoy True Wholesale Exchange Rates with YouTrip

YouTrip 2.0: We’re Giving Our Best Rates A Brand New Look

YouTrip is Singapore’s most widely used multi-currency travel card, letting you lock in wholesale exchange ratesacross 150+ currencies with zero foreign transaction fees.

✅ 12 wallet currencies you can store and manage anytime
✅ 150+ currencies for global spending
✅ SmartExchange™ for automatic conversions
✅ No markup, no hidden charges

So the next time you travel — skip the money changers, and go straight to YouTrip’s wholesale exchange rates. 

Related Guides:

SGD To MYR Rate Today (2025): Best Exchange Rates, Forecast & Where to Change Money
YouTrip vs Credit Cards: Which Is Better for Overseas Spending?
Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
Best Singapore Credit Card For Overseas Spending (2025)

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YouTrip is issued by You Technologies Group (Singapore) Pte Ltd. We are a Principal Member of Mastercard®, and a major payment institution licensed under the Payment Services Act by the Monetary Authority of Singapore. For more details you can visit MAS website here
YouTrip is issued by You Technologies Group (Singapore) Pte Ltd. We are a Principal Member of Mastercard®, and a major payment institution licensed under the Payment Services Act by the Monetary Authority of Singapore. For more details you can visit MAS website here
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Up to 10% tax free + up to 7% additional discount

at Don Quijote Japan!

Up to 10% tax free + up to 7% additional discount

  • Valid till 01 Oct 2026
  • Flash the discount coupon at the payment counter & pay with YouTrip during checkout in store (Click discount coupon)
  • Enjoy additional 5% discount with min 10,000 yen (JPY) spent excluding tax
  • We want to help you get your discount!
    1. Ensure that you tap the "Discount Coupon" banner below to go to the barcode screen.
    2. Present the coupon screen to the cashier staff at the time of payment.
    3. Lastly, tap the "Use Coupon" button.
  1. Valid until 01 October 2026.
  2. This coupon is limited to Tax-Free Purchases over 10,000 yen (excluding tax)
    • [Japanese temporary returnees] who purchased tax-free goods are eligible for the coupon.
    • Foreign diplomat(s) are not eligible for tax exemption.
  3. Eligible Stores: Don Quijote, APITA, and PIAGO Stores in Japan (Excluding some stores)
  4. How to use:
    • Tap the coupon banner below to go to the barcode screen.
    • Present the coupon screen to the cashier staff at the time of payment.
    • Last, tap the “Use Coupon” button.
    • This coupon is valid only once for tax-free transactions of 10,000 yen (excluding tax) or more.
  5. Please note that the following items are not included & eligible for the discount: Alcohol, cigarettes, POSA cards, game consoles, products costing more than 100,000 yen (excluding tax), and products with price restrictions, etc.
  6. Please be sure to present the coupon at the time of payment.
  7. Please note that the discount cannot be applied if the coupon is presented after payment has been completed.
  8. Please note that the coupon is unaccessible from mobile screenshots.
  9. This coupon cannot be used with other discounts, services, or majica cards.
  10. Any outstanding balance after deducting the face value of the coupon must be paid in full using YouTrip Card.
  11. The offer is subject to terms and conditions of Don Quijote. In case of dispute, the decision of Don Quijote and YouTrip shall be final.
redeem deal

Up to 9% cashback at Charles & Keith!

9% cashback (New Charles & Keith users)

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

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.
  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. Cashback rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  8. Cashback rate for Charles & Keith varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  9. Purchases made via the Charles & Keith mobile app will not be eligible for cashback.
Redeem Deal

8% off at SGPomades!

$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
  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

3% cashback at Dyson!

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.
  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.
Redeem Deal

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.
  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.
Redeem Deal

Up to 11% cashback at Trip.com!

Up to 11% cashback

  • Valid till 31 December 2023
  • Pay with YouTrip during checkout
  • Receive cashback 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.
  1. Only purchases made through the Trip.com affiliate link provided by YouTrip will be eligible for cashback.
  2. Cashback up to 11% for Hotels and 3% for Flights from 2 June 2024 to 7 June 2024, after which cashback will revert back to 6% (Hotels) & 2% (Flights)
  3. Return to YouTrip Perks and clickthrough to Trip.com 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 rate will be subjected to the merchant’s discretion and the eligibility of selected activities.
  7. Cashback rate for Trip.com varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  8. Cashback will not be awarded for cancelled or refunded orders.
  9. Cashback will be awarded after 45 days from the date of purchase.
  10. Please refer to the table below for full cashback rates.
Product Type Sub-Product Type Cashback Rate
Hotels – 11%
Flights

International Flight (including flight between mainland China and Hong Kong/Macau/Taiwan and flight between Hong Kong/Macau and Taiwan):

0-199 orders

200-1,199 orders

1,200 and above orders

3%

3%

3%
China Domestic Flight USD 0.6/ticket
Trains International Train 2% by amount
Tours & Tickets Other Activities 4%
Tickets & Attractions 1.5%
Car Rental & Ride Hailing

Car Rental

Airport Transfer

5%

5%
Redeem Deal

25% off at HOUZE!

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
  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.
Redeem Deal

25% off at Table Matters!

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
  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.
Redeem Deal

Up to $260 cashback and KrisShop e-Vouchers at Singapore Airlines!

$20 cashback with min $500 spend

  • Valid till 26 November 2021
  • Pay using YouTrip at checkout
  • Register through YouTrip's campaign registration form
  • Enjoy up to 4x cashback rewards per booking
  • Receive cashback by 31 December 2021
  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/

$30 KrisShop e-Voucher with min $500 spend

  • Valid till 26 November 2021
  • Pay using YouTrip at checkout
  • Register through YouTrip's campaign registration form
  • Enjoy up to 6x KrisShop e-Vouchers per booking
  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/
Redeem Deal

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.
  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.
Redeem Deal

Up to 6% cashback at JD Sports!

6% cashback (Regular-priced items)

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

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.
 
  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 rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  6. Cashback rate for JD Sports varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  7. Cashback will not be awarded for cancelled or refunded orders.
  8. Cashback will be awarded after 45 days from the date of purchase.
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
  • Receive cashback within 45 days after checkout

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.
 
  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.
Redeem Deal

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
  1. Promo code only applicable when using your YouTrip Mastercard upon checkout.
Redeem Deal

10% cashback at Taobao!

10% cashback with min S$50 spend

 
  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.
Redeem Deal

Up to 10% cashback at Shopee!

Up to 10% cashback (New Shopee users)

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

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.
  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 rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  8. Cashback rate for Shopee varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  9. Cashback will be awarded after 45 days from the date of purchase.
  10. Please refer to the table below for product 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
Redeem Deal

Up to 7% cashback at Sephora!

7% cashback (New Sephora users)

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

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!
    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.
  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.
Redeem Deal

$20 cashback at Circles.Life!

$20 cashback (For new Circles.Life customers)

  • 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.
  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
Redeem Deal

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
  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.
Redeem Deal
Up to
7% cashback
at Trip.com!
Up to
7% cashback
at Trip.com!
Up to 7% cashback
  • Valid till 31 March 2027
  • Pay with YouTrip during checkout
  • Receive cashback within 60 days after completion of activity/stay/flight
  • 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.
  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 rate will be subjected to the merchant’s discretion and the eligibility of selected activities. Bundle or Package deals (Flight + Hotel) are ineligible for cashback.
  6. Cashback rate for Trip.com varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  7. Cashback will not be awarded for cancelled or refunded orders.
  8. Cashback will be awarded after 60 days from the completion of activity/stay/flight.
  9. Cashback will be calculated based on the final online booking checkout price, excluding taxes, fees, service charges, children/infant tickets, insurance and any payments to be made at the hotel.
  10. Promo or voucher codes that are not recognised by YouTrip will be ineligible for Trip.com cashback.
  11. Cashback does not include Trip coins, store credits or voucher/coupon codes.
  12. Please refer to the table below for full cashback rates.
Product Type Sub-Product Type Cashback Rate
Hotels All Hotels 7%
Flights International Flight (including flight between mainland China and Hong Kong/Macau/Taiwan and flight between Hong Kong/Macau and Taiwan) 2.5%
China Domestic Flight USD 0.6/ticket
Trains International Train 2% by amount
Tours, Tickets & Car rentals Other Activities 4%
Tickets & Attractions
Car Rentals		 1.5%
8%
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
  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
up to
10% cashback
at Lazada!
up to
10% cashback
at Lazada!

10% cashback (New Lazada users)

  • Valid till 31 December 2026
  • Pay with YouTrip during checkout
  • Receive cashback within 45 working days after checkout

3% cashback (Existing Lazada users)

  • Valid till 31 December 2026
  • Pay with YouTrip on Lazada (LazMall & Redmart excluded) during checkout
  • Receive cashback within 45 working 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.
  1. Only purchases made through the Lazada affiliate link provided by YouTrip will be eligible for cashback.
  2. Return to YouTrip Perks and clickthrough to Lazada 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 working days from the date of purchase.
  6. Cashback will not be awarded for cancelled or refunded orders.
  7. Cashback rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  8. Cashback rate for Lazada varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  9. Products not eligible for cashback: Sports shoes and clothing, Electronics, Accessories, Groceries.
  10. Cashback capped at $10
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15% off at iShopChangi

15% off with no min. spend (For traveller purchases only)

  • Valid till 31 December 2023
  • Pay with YouTrip and apply code 'YOUTRIP15' during checkout
  • Enjoy 15% off with no min. spend
  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.
Redeem Deal

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
  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.
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
  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

Up to 10% off at Qatar Airways!

Up to 10% off 

  • Valid till 31 December 2023
  • Click through to Qatar via YouTrip Perks, apply code 'YTQR23' & 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.
  1. Sales period: 8 May 2023 – 31 December 2023
  2. Travel period: 8 May 2023 – 31 March 2024
  3. Booking must be made using promo code YTQR23 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

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.
  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 rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  6. Cashback rate for Watsons varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  7. Cashback will be awarded after 45 days from the date of purchase.
  8. Cashback will be calculated based on the final checkout price, excluding taxes, delivery fees, any additional fees, service charges.
  9. 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
  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

5% cashback at AirAsia Grocer!

5% cashback

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

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
  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

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
  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

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.
  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 rate will be subjected to the merchant’s discretion and the eligibility of selected products.
  6. Cashback rate for Razer varies for each item and the exact cashback rates would only be known when the item is successfully tracked.
  7. Cashback will be awarded after 45 days from the date of purchase.
  8. Cashback will not be awarded for cancelled or refunded orders.
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
  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 noah!

20% off supplements

  • Valid till 31 December 2022
  • Pay with YouTrip and apply code 'NOAHYT' during checkout
  • Enjoy 20% off supplements upon checkout
  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

$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.
  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

$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
  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

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