{"id":59781,"date":"2026-05-19T17:27:09","date_gmt":"2026-05-19T09:27:09","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=59781"},"modified":"2026-05-20T16:23:16","modified_gmt":"2026-05-20T08:23:16","slug":"best-singapore-credit-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/best-singapore-credit-card\/","title":{"rendered":"Best Singapore Credit Card in 2026: Miles, Cashback & Travel Compared"},"content":{"rendered":"\n

Not all cards earn you money, some just cost you less<\/strong>.<\/strong><\/h2>\n\n\n\n
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The best Singapore credit card in 2026 depends on how you spend. For miles, Citi PremierMiles and UOB PRVI Miles lead. For cashback, OCBC INFINITY or Citi Cash Back+ keep it simple. And if you’re looking for a travel card with zero foreign transaction fees, YouTrip, a multi-currency card,<\/strong> charges 0% on overseas spend<\/strong>, vs the ~3.25% every traditional credit card charges<\/strong>.<\/p>\n\n\n\n

Choosing the best Singapore credit card isn’t just about picking the highest cashback rate or the flashiest miles programme. The right card depends entirely on how you spend: daily coffee runs, overseas shopping trips, or racking up miles for your next business class redemption.<\/p>\n\n\n\n

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How we selected these cards:<\/strong> We compared Singapore’s major travel and cashback cards across earn rates, FX fees, annual fee-to-value ratios, miles expiry, and lounge access. Data sourced from each bank’s official product pages, last verified May 2026. Cards were selected to represent the strongest option in each category.<\/p>\n<\/blockquote>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

– SGD To Korean Won Exchange Rate: Best Rates, Forecast, Conversion Tips<\/a>
– SGD To MYR Rate Today: Best Exchange Rates, Forecast & Where to Change Money<\/a>
– SGD To TWD: How To Get The Best Taiwan Dollar Rate<\/a><\/p>\n\n\n\n

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\u26a1\ufe0f TL;DR: Best Singapore Credit Cards at a Glance<\/strong><\/strong><\/h2>\n\n\n\n
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Card<\/strong><\/th>Best For<\/strong><\/th>Local Earn Rate<\/strong><\/th>Overseas Earn Rate<\/strong><\/th>FX Fee<\/strong><\/th>Annual Fee<\/strong><\/th><\/tr><\/thead>
Citi PremierMiles<\/strong><\/td>Overall miles, no expiry<\/td>1.2 mpd<\/td>2.2 mpd<\/td>3.25%<\/td>S$196.20 (1st yr free)<\/td><\/tr>
UOB PRVI Miles<\/strong><\/td>Frequent travellers<\/td>1.4 mpd<\/td>2.4 mpd<\/td>3.25%<\/td>S$261.60 (1st yr free)<\/td><\/tr>
HSBC TravelOne<\/strong><\/td>Lounge access<\/td>1.2 mpd<\/td>2.4 mpd<\/td>3.25%<\/td>S$196.20 (waived \u2265S$25k\/yr)<\/td><\/tr>
DBS Altitude<\/strong><\/td>Flexible rewards, no expiry<\/td>1.3 mpd<\/td>2.2 mpd<\/td>3.25%<\/td>S$196.20 (1st yr free)<\/td><\/tr>
OCBC 90\u00b0N<\/strong><\/td>Agoda bookings<\/td>1.3 mpd<\/td>2.1 mpd<\/td>3.25%<\/td>S$196.20 (waived \u2265S$10k\/yr)<\/td><\/tr>
HSBC Revolution<\/strong><\/td>No-fee miles card<\/td>*4 mpd (online & contactless)<\/td>*4 mpd (online & contactless)<\/td>3.25%<\/td>Free <\/td><\/tr>
OCBC INFINITY<\/strong><\/td>Unlimited cashback<\/td>1.6% on all spend<\/td>1.6% flat<\/td>3.25%<\/td>S$196.20 (waived \u2265S$10k\/yr)<\/td><\/tr>
Citi Cash Back+<\/strong><\/td>Instant cashback<\/td>1.6% on all spend<\/td>1.6% flat<\/td>3.25%<\/td>S$196.20 (1st yr free)<\/td><\/tr>
YouTrip<\/strong><\/td>Zero FX fees, wholesale exchange rates<\/td>\u2014<\/td>\u2014<\/td>None<\/strong> \u2705<\/td>Free<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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*HSBC Revolution: 4 mpd on eligible spend up to S$1,000\/month; 0.4 mpd after.<\/em><\/p>\n\n\n\n

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\ud83d\udcda Table of Contents: <\/strong><\/h2>\n\n\n\n
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  1. Why FX Fees Matter More Than Your Earn Rate<\/strong><\/a><\/li>\n\n\n\n
  2. What Does a S$5,000 Trip Actually Cost on Each Card?<\/a><\/strong><\/li>\n\n\n\n
  3. How to Choose the Best Singapore Credit Card<\/strong><\/a><\/li>\n\n\n\n
  4. Best Miles Credit Cards in Singapore<\/strong><\/a><\/li>\n\n\n\n
  5. Best Cashback Credit Cards in Singapore<\/strong><\/a><\/li>\n\n\n\n
  6. Best No-Fee Alternative for Overseas Spending<\/strong><\/a><\/li>\n\n\n\n
  7. Full Card Comparison Table<\/strong><\/a><\/li>\n\n\n\n
  8. The Combination Strategy: Getting the Best of Both<\/strong><\/a><\/li>\n\n\n\n
  9. Annual Fee Waivers: What You Need to Know<\/strong><\/a><\/li>\n\n\n\n
  10. Minimum Income Requirements<\/strong><\/a><\/li>\n\n\n\n
  11. Verdict: Which Card Is Right for You?<\/strong><\/a><\/li>\n\n\n\n
  12. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    Why FX Fees Matter More Than Your Earn Rate<\/strong><\/h2>\n\n\n\n
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    \"Best<\/figure>\n\n\n\n
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    Every Singapore credit card charges a 3.25% foreign transaction fee<\/strong> on overseas purchases.<\/p>\n\n\n\n

    On a S$5,000 trip, that’s S$162.50 in fees<\/strong> before you’ve earned a single mile. At 2.2 mpd overseas (Citi PremierMiles), you’d earn roughly 11,000 miles. Valued at a conservative 1.5 cents per mile, that’s about S$165 in return. You’re roughly breaking even, and that’s before the annual fee.<\/p>\n\n\n\n

    This doesn’t mean miles cards aren’t worth it. It means the maths matters, and FX fees are the variable most people forget to include.<\/p>\n\n\n\n

    \ud83d\udcd6 Related Guide: YouTrip vs credit cards: which actually saves you more overseas?<\/strong><\/a><\/em><\/p>\n\n\n\n

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    What a S$5,000 Trip Really Costs on Each Card<\/strong><\/strong><\/h2>\n\n\n\n
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    Miles cards are great at home. Overseas, the maths turns on you.<\/p>\n\n\n\n

    Every credit card on this list charges 3.25% on overseas transactions<\/strong>. That sits on top of a bank FX rate that’s already worse than the real exchange rate. On a S$5,000 trip, that’s S$162.50 in fees<\/strong> before you earn a single mile.<\/p>\n\n\n\n

    What do you actually get back? Around 11,000 miles. Most travellers redeem economy at ~1.5 cents per mile, so that’s ~S$165 in value.<\/p>\n\n\n\n

    So your best case is paying S$162.50 in real fees today for ~S$165 in miles you’ll redeem a year or two from now.<\/p>\n\n\n\n

    You pay the fees today. The miles only pay off if you actually use them before they expire.<\/p>\n\n\n\n

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    Verdict<\/strong><\/h3>\n\n\n\n
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    YouTrip skips all of that.<\/p>\n\n\n\n

    No 3.25% fee. Wholesale Mastercard rates, so no hidden rate markup either. No annual fee. First S$400 in ATM withdrawals each calendar month is free.<\/p>\n\n\n\n

    On the same S$5,000 trip, you keep the full S$162.50. No redemption to chase, no miles to babysit, no programme devaluation to worry about. The savings are real, and they’re today.<\/p>\n\n\n\n

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    So, where do miles cards still win?<\/strong><\/h3>\n\n\n\n
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    Two places, both back in Singapore:<\/p>\n\n\n\n