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.
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
[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony HT-AX7 Portable Theatre System (worth S$769) or an Apple iPad (9th Gen), 64GB (worth S$508.30) 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!
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! 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 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.
CIMB Visa Signature Travel Insurance
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
[FASTER GIFT REDEMPTION]
Get S$280 Cash via PayNow, in as fast as 2-3 months 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
[FASTER GIFT REDEMPTION]
Get S$280 Cash via PayNow, in as fast as 2-3 months 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 (made in foreign currency)
- S$1 = 2.2 Miles
- On Travel Spend at Agoda
- S$1 = Up to 4.3 Miles
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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
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 14-inch MacBook Pro (M3 Chip, 2023) (worth S$2,320.25) when you apply through MoneySmart! T&Cs apply.
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.
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
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 14-inch MacBook Pro (M3 Chip, 2023) (worth S$2,320.25) when you apply through MoneySmart! T&Cs apply.
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.
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
[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 14-inch MacBook Pro (M3 Chip, 2023) (worth S$2,320.25) when you apply through MoneySmart! T&Cs apply.
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.
DCS CASHBACK Card Travel Insurance
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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)
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
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.
