Best Credit Cards With Complimentary Travel Insurance Coverage (2023)
Several credit cards offer complimentary travel insurance. That is, on the condition that you charge your full flight fares to them. Which of them have the best travel insurance coverage and complement your everyday lifestyle? We analyse it in further detail below.

Credit Cards Offering Free Travel Insurance (2023)
Here are the top credit cards that offer complimentary travel insurance.
Check out the coverage & the card benefits before you apply
Citi PremierMiles Card Travel Insurance
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 Miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2 Miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 Miles
[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
Alternatively, you can also choose S$300 Cash via PayNow. T&Cs apply

AMEX Credit Card Travel Insurance
American Express Singapore Airlines KrisFlyer Credit Card
- Local Spend
- S$1 = 1.1 Miles
- Overseas Spend during June and December, with no cap
- S$1 = 2 Miles
- on Eligible Grab transactions, capped at $200 per calendar month
- S$1 = 3.1 Miles

American Express Singapore Airlines KrisFlyer Ascend Credit Card
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- on Eligible Grab transaction, capped at $200 per month
- S$1 = 3.2 Miles
Existing cardholders can get S$150 eCapitaVouchers AND up to 17,000 KrisFlyer Miles (enough to redeem a Return Trip to Bali*) when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval. T&Cs apply.

CIMB Visa Signature Travel Insurance
CIMB Visa Signature
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- 10%
- Min. spend per month
- S$800
- Cash Back Cap per month
- S$100
Get S$250 Cash via PayNow OR an Apple AirPods 3rd Gen (worth S$261.40) OR a Nintendo Switch Lite (worth S$309) when you apply and spend a min of S$988. T&Cs apply.

CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cash Rebate cap
- Unlimited
Get S$250 Cash via PayNow OR an Apple AirPods 3rd Gen with Lightning Charging Case (worth $261.40) OR a Nintendo Switch Lite (worth S$309) when you apply and spend a min of S$988. T&Cs apply.

DBS Altitude Travel Insurance
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 Miles
- Overseas Spend
- S$1 = 2.2 Miles
- On Travel Spend at Expedia & Kaligo
- S$1 = Up to 10 Miles
DBS Vantage Visa Infinite Card
- Local Spend
- S$1 = 1.5 miles or 1.5% cashback
- Overseas Spend
- S$1 = 2.2 miles or 2.2% cashback
- when you pay the Card's Annual Fee
- 25,000 Bonus Miles
UOB PRVI Miles Travel Insurance
UOB PRVI VISA Miles Card
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
[FLASH DEAL | LUCKY DRAW]
Get EXTRA S$50 Cash via PayNow when you apply and spend a min. of S$1,000 per month for 2 consecutive months from card approval! T&Cs apply.
PLUS stand to receive a Apple MacBook Air 15-inch M2 Chip 256GB (worth S$1,899) or a Google Pixel 8 Pro, 128GB (worth S$1,549) or a Sony PlayStation®5 Disc Console (worth S$799) when you sign up through MoneySmart and meet the eligibility criteria! T&Cs apply.
PLUS get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

UOB PRVI MASTERCARD Miles Card
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
[FLASH DEAL | LUCKY DRAW]
Get EXTRA S$50 Cash via PayNow when you apply and spend a min. of S$1,000 per month for 2 consecutive months from card approval! T&Cs apply.
PLUS stand to receive a Apple MacBook Air 15-inch M2 Chip 256GB (worth S$1,899) or a Google Pixel 8 Pro, 128GB (worth S$1,549) or a Sony PlayStation®5 Disc Console (worth S$799) when you sign up through MoneySmart and meet the eligibility criteria! T&Cs apply.
PLUS get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

UOB PRVI Miles American Express Card
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
[FLASH DEAL | LUCKY DRAW]
Get EXTRA S$50 Cash via PayNow when you apply and spend a min. of S$1,000 per month for 2 consecutive months from card approval! T&Cs apply.
PLUS stand to receive a Apple MacBook Air 15-inch M2 Chip 256GB (worth S$1,899) or a Google Pixel 8 Pro, 128GB (worth S$1,549) or a Sony PlayStation®5 Disc Console (worth S$799) when you sign up through MoneySmart and meet the eligibility criteria! T&Cs apply.
PLUS get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

DCS CASHBACK Card Travel Insurance
DCS CASHBACK Card
- on all eligible transactions
- Up to 5% Cash Rebate
- Airport Lounge Access and Insurance Coverage
- Complimentary
- Annual Principal Fee
- S$194.40 (inclusive of GST)
OCBC 365 Travel Insurance
OCBC 365 Credit Card
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
- with min. spend of $800 per month
- $80 Cashback per month
Get a Samsung 27-inch M5 Smart Monitor (worth S$554) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply

Frequent Asked Questions
Do you get travel insurance with your credit card?
- Many credit cards provide some level of travel insurance coverage if you charge your full fares to them. Usually the best cards that provide travel insurance are air mile cards, such as Citi PremierMiles Visa, DBS Altitude, UOB PRVI Miles and AMEX KrisFlyer. There are two cashback cards in Singapore that provide travel insurance too: OCBC 365 and CIMB Visa Signature Credit Card.
Does travel insurance cover me if I cancel my flight?
- It depends on your policy. Look under the section "trip cancellation" to see if your travel insurance compensates when you cancel your flight. You will need to show proof of a valid cancellation reason: sickness, injury, death of either you, your family member, or travelling companion.
Does my credit card's complimentary travel insurance cover discounted flights?
- Usually yes, on the condition that you charge your full fares to the card.