Best Credit Cards With Complimentary Travel Insurance Coverage (2024)

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.

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Citi PremierMiles Card Travel Insurance

MoneySmart Exclusive
Faster Gift Redemption | Earn 2 Miles per S$1
MoneySmart Exclusive
Faster Gift Redemption | Earn 2 Miles per S$1

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

[FASTER GIFT FULFILMENT]
Get an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED + S$60 Cash (worth S$609) or S$450 Lendlease E-Vouchers (can be used at 313@somerset, Jem, Parkway Parade, PLQ) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria! T&Cs apply.

Valid until 31 May 2024

AMEX Credit Card Travel Insurance

MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers

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
New American Express cardholder can get up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you spend a min. of S$500 within the first month of card approval. T&Cs apply.
Valid until 29 May 2024
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers

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
New American Express cardholder can get S$300 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.

Existing cardholders can get up to 34,000 KrisFlyer Miles 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.
Valid until 29 May 2024

CIMB Visa Signature Travel Insurance

Online Promo
Up to 10% Cashback
Online Promo
Up to 10% Cashback

CIMB Visa Signature

Cash Back on Beauty & Wellness, Online Shopping, Groceries
10%
Min. spend per month to qualify for the 10% Cash Back
S$800
Cash Back Cap per month
S$100
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2024
Online Promo
Unlimited 2% Cashback
Online Promo
Unlimited 2% Cashback

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
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2024

DBS Altitude Travel Insurance

Earn Miles That Never Expire
Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Agoda
S$1 = Up to 4.3 Miles
Online Promo
Miles or Cashback – you decide
Online Promo
Miles or Cashback – you decide

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
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 May 2024

UOB PRVI Miles Travel Insurance

MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!

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

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you 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.

Valid until 31 May 2024
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!

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

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you 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.

Valid until 31 May 2024
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!

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

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you 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.

Valid until 31 May 2024

DCS CASHBACK Card Travel Insurance

Online Promo
Online Promo

DCS CASHBACK Card

on all eligible transactions
Up to 5% Cash Rebate
Airport Lounge Access and Insurance Coverage
Complimentary
Annual Principal Fee
S$196.20 (inclusive of GST)
Online Promo:
Receive a pair of GOTRIP luggage bags (worth S$500) when you apply for a minimum of any 2 eligible DCS cards and spend a minimum of $350 monthly for 2 consecutive months OR apply for an eligible DCS card and spend a minimum of S$450 monthly for 2 consecutive months. T&Cs apply.
Valid until 31 May 2024

OCBC 365 Travel Insurance

High Spend on Dining
High Spend on Dining

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

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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.