Best Credit Cards With Complimentary Travel Insurance Coverage (2025)
What You Need To Know About Complimentary Travel Insurance
Before embarking on your next adventure, it is always vital to consider your safety and be prepared for any unexpected emergencies like a global cyber outage, epidemic outbreak or natural disasters.
Your credit card can be a lifesaver during such situations as you can turn to it to pay for necessities or even emergency medical expenses overseas. While many credit cards offer complimentary travel coverage, is it really enough? Let's delve into the key benefits of such coverage and weigh the pros and cons, before making a decision.
How Credit Card Complimentary Travel Insurance Works?
Here’s a general overview of how it works:
Eligibility and Activation
Coverage
Pros & Cons Of Complimentary Travel Coverage By Credit Cards
| Pros | Cons | |
|---|---|---|
| Pros | Cons | |
| Pros | Cons | |
| Pros | Cons |
Which Credit Cards Provide Complimentary Travel Insurance?
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
Get S$400 Cash Reward or 6,140 SmartPoints (worth up to S$649 of Gifts) as quickly as 5 weeks —just spend S$500 within 30 days of card approval with your new Citibank Credit Card! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
Note: There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please refer here.
American Express Singapore Airlines KrisFlyer Credit Card
- on eligible Singapore Airlines & Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
New to American Express Card Members can receive up to 16,000 KrisFlyer miles ! T&Cs apply.
11,000 KrisFlyer miles with min. spending of S$2,000 within first 3 months of Card approval.
5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
New to American Express Card Members can receive up to 45,000 KrisFlyer miles! T&Cs apply.
20,000 KrisFlyer miles with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval.
20,000 KrisFlyer miles on your first spend in the 15th month of Card Membership and upon annual fee payment.
5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cashback cap
- Unlimited
Get S$50 Cash when you apply and spend a min of S$2,000 within 60 days from card approval! T&Cs apply.
PLUS get a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) from CIMB spend a min of S$2,000 within 60 days from card approval. T&Cs apply.
CIMB Visa Signature
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- Up to 10%
- Min. spend per month to qualify for the 10% Cash Back
- S$800
- Cash Back Cap per month
- S$100
Get S$50 Cash when you apply and spend a min of S$2,000 within 60 days from card approval! T&Cs apply.
PLUS get a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) from CIMB spend a min of S$2,000 within 60 days from card approval. T&Cs apply.
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 2.2 miles
- on DBS Points earned
- No Expiry
New to DBS/POSB Credit Cards?
Get the Samsonite MINTER 80/30 Trunk Luggage (worth S$680) or up to 38,000 miles when you spend a minimum of S$800 within 60 days of your Card Approval Date and have a valid DBS PayLah! account by the end of the Qualifying Spend period.
Apply with your preferred promo code MINTER, ALTS38 or ALTSW28 and choose your welcome gift!
Subject to qualifying criteria.
UOB PRVI Miles Visa Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get SURE-WIN S$30 Cash —no minimum spend required, just be a New-To-UOB Customer! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
Get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval. Plus enjoy 10% off at Samsung online store. T&Cs apply.
UOB PRVI Miles Mastercard Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get SURE-WIN S$30 Cash —no minimum spend required, just be a New-To-UOB Customer! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
Get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval. Plus enjoy 10% off at Samsung online store. T&Cs apply.
UOB PRVI Miles American Express Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get SURE-WIN S$30 Cash —no minimum spend required, just be a New-To-UOB Customer! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
Get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval. Plus enjoy 10% off at Samsung online store. T&Cs apply.
HSBC TravelOne Card
- on Local Spend
- S$1 = 1.2 miles
- on Foreign Currency Spend
- S$1 = 2.4 Miles
- Travel Insurance coverage, Airport Lounge visits
- Complimentary
Get S$400 Cash or 6,140 SmartPoints (worth up to S$649 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
For HSBC TravelOne Card: Enjoy S$120OFF (min. spend S$1,000) promo codes on flight bookings every Thursday!
*All data is accurate at the time of writing, last updated on 15 November 2024 as per the information published on the respective providers websites.
Exclusive: Most Popular Credit Cards in Singapore
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.
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.
