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 = 2 Miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 Miles
Apply and Spend $500 to get an Apple iPad 10.2" 64GB**, 9th Gen** (worth S$503.65) OR EverDesk+ Lite (worth S$619) OR Xbox Series S (worth S$469.90) OR S$350 Cash via PayNow. PLUS stand a chance to win a ROLEX or PlayStation 5!!! T&Cs apply.

Citibank’s air miles cards allow you to earn miles that don’t expire, plus, you get complimentary travel insurance automatically upon full airfare charge.
It covers principal or supplementary cardmembers up to $1,000,000. And children get coverage up to $50,000. The complimentary travel insurance also covers medical & accidental dental expenses up to $40,000 per cardholder and $20,000 per accompanying dependent children.
You also get compensation for baggage loss, baggage delay, flight delay, trip interruption and trip cancellation.
AMEX Credit Card Travel Insurance Coverage
American Express Singapore Airlines KrisFlyer Credit Card
- Local Spend
- S$1 = 1.1 Miles
- Overseas Spend
- S$1 = 2 Miles
- Grab rides
- S$1 = 3.1 Miles
Purchase your travel tickets with your Card and receive free Travel Inconvenience & Travel Accident Benefits of up to S$350,000.
Missed connection, luggage delay are compensated at $200 per cardmember/family (max 2 pax) and baggage loss is compensated at $500 per cardmember/family (max 2 pax).
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

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
- S$100
Apply and spend S$988 to receive a free ErgoTune Classic Ergonomic Chair (worth S$399) or $250 Cash via PayNow or $300 eCapitaVouchers. 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
Apply and spend S$988 to receive a free ErgoTune Classic Ergonomic Chair (worth S$399) or $250 Cash via PayNow or $300 eCapitaVouchers. T&Cs apply.

DBS Altitude Travel Insurance
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- Hotel Transactions at Kaligo
- S$1 = 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
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
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
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.