Best Credit Cards for Overseas Spending 2019

Updated September 2019

Save up to 10% or earn 5 Miles for every dollar spent on your overseas traveling expenses. Compare and apply for the best credit cards for overseas spending with low foreign currency transaction fee and minimum spend requirements.

Popular Overseas Spending Credit Cards

OCBC 90°N Card

S$1 = 4 Miles

on Overseas spend

S$0

Min. spend per month

3%

Foreign Transaction Fee

S$1 = 4 Miles

on Overseas spend

S$0

Min. spend per month

3%

Foreign Transaction Fee

Overseas Spending Features

  • 4 miles for every S$1 spent overseas
  • No minimum monthly spending and no cap on the amount of miles earned per month
  • 3% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMastercard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
KrisFlyer UOB Credit Card

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$500

Min spend per annum on Singapore Airlines Group

3.25%

Foreign Currency Transaction Fee

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$500

Min spend per annum on Singapore Airlines Group

3.25%

Foreign Currency Transaction Fee

Overseas Spending Features

  • $1 = 3 KrisFlyer Miles on Dining, Food Delivery, Online Shopping and Travel, and Transport spend with a min sum of S$500 annual spend on Singapore Airlines Group
  • $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
  • $1 = 1.2 KrisFlyer Miles on all other spend

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMastercard
Wireless PaymentMastercard Contactless, UOB Mighty Pay, Apple Pay, Samsung Pay
BOC Elite Miles World Mastercard®

S$1 = 3 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

3%

Foreign Transaction Fee

S$1 = 3 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

3%

Foreign Transaction Fee

Overseas Spending Features

  • Earn 3 Miles for every S$1 on Oversea spending (9 BOC Points)
  • No minimum spend and no cap on earned miles
  • 2.5% foreign currency transaction fee
  • During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$203
Supplementary Annual FeeS$101.65
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
DBS Altitude Visa Signature Card

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get up to 38,000 Miles

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

Overseas Spending Features

  • Earn 2 Miles for every S$1spent on Overseas spend
  • Earn 3 Miles for every S$1spent on Online Flight and Hotel transactions
  • Complimentary travel insurance coverage of up to S$1 million
  • 3% fee on foreign currency transaction

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa Contactless, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Rewards+ Credit Card

S$1 = 10X Points

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

Online Promotion: Get up to S$100 CashbackValid till 30 Sep 2019.

S$1 = 10X Points

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

Online Promotion: Get up to S$100 CashbackValid till 30 Sep 2019.

Overseas Spending Features

  • 10X Points for every S$1 spent in foreign currency, including online spends
  • 1 Point = 0.29 Miles
  • No minimum spend required, Rewards Point capped at 20,000 points per year
  • Complimentary travel medical insurance of up to S$500,000
  • 3.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Visa Infinite Credit Card

S$1 = 3 Miles

Overseas Spending Rewards

S$2,000

Min. Spend per month

3.50%

Foreign Transaction Fee

S$1 = 3 Miles

Overseas Spending Rewards

S$2,000

Min. Spend per month

3.50%

Foreign Transaction Fee

Overseas Spending Features

  • Get 35,000 Mile when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • Earn 3 Miles for every S$1, with minimum Oversea spending of S$2000 per month
  • Earn 2.5 points or 1 mile for every S$1, with spending less than S$2000
  • Complimentary Travel Accident Insurance coverage of up to S$1,000,000
  • 3.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$589
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment1% of S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$150,000
Foreigner$150,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
HSBC Visa Infinite Credit Card

S$1 = 2.25 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

S$1 = 2.25 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

Overseas Spending Features

  • Earn 2.25 Miles for every S$1 on Oversea spending
  • Automatic travel insurance coverage of up to US$2,000,000 (annual value worth S$988)
  • Complimentary green fees and worldwide golfers' insurance of up to S$500,000
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$650
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$120,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
Bank of China Family Card

10% Cashback

Overseas Dining Spending

S$800

Min. Spend per month

3%

Foreign Transaction Fee

10% Cashback

Overseas Dining Spending

S$800

Min. Spend per month

3%

Foreign Transaction Fee

Overseas Spending Features

  • 10% Cash Rebate on Everyday Dining (also in foreign currency)
  • Minimum spend of S$800 per month and total cash back capped at S$100 per month
  • 3% cash back on online purchases, capped at S$25 per month
  • 3% foreign currency transaction fee
  • During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$203
Supplementary Annual FeeS$101.65
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentN/A
UOB YOLO Credit Card

8% Cashback

on Overseas Spend

S$600

Min. Spend per month

2.5%

Foreign Transaction Fee

8% Cashback

on Overseas Spend

S$600

Min. Spend per month

2.5%

Foreign Transaction Fee

Overseas Spending Features

  • Up to 8% cashback on Online, Grab, Dining and Entertainment spend (including overseas spend)
  • Free travel insurance coverage when you charge your travel tickets to your card (Up to S$500,000)
  • Up to 18% off Expedia, Agoda and more
  • Minimum spend of S$600/mo and total cashback capped at S$80/mo (consisting of S$20 bonus cashback and S$60 base cashback)
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Get $80 Cash + $150 in Cashback

American Express True Cashback Card

2.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get S$80 in Cash!Valid till 30 Sep 2019.
  • Additional Welcome Offer: 3% cash back (up to S$150) when you meet min spend of S$5,000 in the first 6 months

2.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get S$80 in Cash!Valid till 30 Sep 2019.

Overseas Spending Features

  • MoneySmart Exclusive– Receive $80 cash when you meet min spend of S$500 within the first month.
  • Welcome Offer– 3% or S$150 cash back when you meet min spend of S$5,000 within the first 6 months.
  • 1.5% Cashback on any purchase you make
  • 2.5% Cashback on foreign currency spend (1.5% + extra 1.0%).
  • Important – Go to this link to submit your (i)Contact Details, (ii)14-digit Reference Number (PCN), and (iii)Bank Account Number to receive your S$80 Cash Gift

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay

Get up to 31,000 KrisFlyer miles

American Express Singapore Airlines KrisFlyer Credit Card

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 31,000 KrisFlyer miles! Fulfilled by American Express.Valid till 30 Sep 2019.
  • Get 3.1 KrisFlyer miles per S$1 spent on Daily Essentials

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 31,000 KrisFlyer miles! Fulfilled by American Express.Valid till 30 Sep 2019.

Overseas Spending Features

  • Enjoy up to 31,000 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card
  • Earn 2 miles for every S$1 on Oversea spending
  • Enjoy free Travel Inconvenience & Travel Accident Benefits of up to S$350,000 when you purchase your travel tickets with you card
  • 2.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$177
Supplementary Annual Fee53.5
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
OCBC 365 Credit Card

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

3%

Foreign Transaction Fee

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Sep 2019.

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

3%

Foreign Transaction Fee

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Sep 2019.

Overseas Spending Features

  • 6% cash back on everyday Dining (also applys to overseas spending)
  • 3% cashback on online air, cruise, hotel and tour bookings e.g. Agoda and Airbnb
  • Minimum spend of S$800/month required
  • Cash back capped at S$80
  • Up to $200k of complimentary travel personal accident insurance
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

Get up to 49,500 KrisFlyer miles

American Express Singapore Airlines KrisFlyer Ascend Credit Card

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 49,500 KrisFlyer miles! Fulfilled by American Express.Valid till 30 Sep 2019.
  • Get 3.2 KrisFlyer miles per S$1 spent on Daily Essentials

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 49,500 KrisFlyer miles! Fulfilled by American Express.Valid till 30 Sep 2019.

Overseas Spending Features

  • Enjoy up to 49,500 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card
  • Earn 2 Miles for every S$1 on Oversea spending
  • Up to $1 million travel insurance coverage
  • 2.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$337
Supplementary Annual Fee80.25
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Maybank DUO Platinum Mastercard

1.5%

Cash Rebate on foreign currency spend

S$0

Min. spend per month

2.75%

Foreign transaction fee

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Sep 2019.

1.5%

Cash Rebate on foreign currency spend

S$0

Min. spend per month

2.75%

Foreign transaction fee

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Sep 2019.

Overseas Spending Features

  • 1.5% Cash rebate for all transactions spent in foreign currency
  • No minimum spend and no cap
  • Complimentary travel insurance coverage of up to S$500,000

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$120
Supplementary Annual Fee0
Fee WaiverAvailable
Minimum Monthly Repayment3% or minimum S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMastercard
Wireless PaymentMasterCard contactless, Samsung Pay
Maybank Manchester United Platinum Visa Card

S$1 = 1X Point

on ALL spend

S$0

Min. spend per month

2.75%

Foreign transaction fee

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Sep 2019.

S$1 = 1X Point

on ALL spend

S$0

Min. spend per month

2.75%

Foreign transaction fee

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Sep 2019.

Overseas Spending Features

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$80
Supplementary Annual Fee0
Fee WaiverAvailable
Minimum Monthly Repayment3% or minimum S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
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