Credit Card Travel Insurance: Which Credit Cards Offer Complimentary Travel Insurance Coverage (2023) | MoneySmart.sg

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

Up to $1,000,000
Citi PremierMiles Visa
Up to $1,000,000
DBS Altitude
Up to $500,000
UOB PRVI Miles
Up to $350,000
AMEX KrisFlyer
Up to $200,000
OCBC 365
Up to $500,000
CIMB Visa Signature

Citi PremierMiles Card Travel Insurance

MoneySmart Exclusive

EARN SMARTPOINTS OR CASH

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

Valid until 30 Nov 2023

AMEX Credit Card Travel Insurance

MoneySmart Exclusive

Convenience & Perks for Frequent Flyers

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$1,000 within the first month of card approval. T&Cs apply.

Valid until 28 Feb 2024

MoneySmart Exclusive

Convenience & Perks for Frequent Flyers

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 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.

Valid until 13 Dec 2023

CIMB Visa Signature Travel Insurance

MoneySmart Exclusive

Up to 10% cashback

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.

Valid until 30 Nov 2023

MoneySmart Exclusive

Unlimited 2% cashback

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.

Valid until 30 Nov 2023

DBS Altitude Travel Insurance

Online Promo

Earn Miles That Never Expire

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

Online Promo:

Get up to 40,000 miles when you apply for an eligible DBS Altitude Credit Card and charge a min. spend of S$2,000 within 30 days from card approval date. T&Cs apply.

Valid until 30 Nov 2023

Online Promo

Miles or Cashback – you decide

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 60,000 miles 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 Jan 2024

UOB PRVI Miles Travel Insurance

MoneySmart Exclusive

FLASH DEAL | LUCKY DRAW

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.

Valid until 30 Nov 2023

MoneySmart Exclusive

FLASH DEAL | LUCKY DRAW

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.

Valid until 30 Nov 2023

MoneySmart Exclusive

FLASH DEAL | LUCKY DRAW

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.

Valid until 30 Nov 2023

DCS CASHBACK Card Travel Insurance

Online Promo

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)

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 30 Nov 2023

OCBC 365 Travel Insurance

MoneySmart Exclusive

High Spend on Dining

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

Valid until 30 Nov 2023

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.