Best Credit Cards for Overseas Spending 2018

Updated November 2018

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

Citi Cash Back Card
Very Good
Citi Cash Back Card
Very Good

8% Cashback

Overseas Spending Rewards

S$888

Min. Spend per month

2.80%

Foreign Transaction Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Overseas Spending Features

  • 8% cash back for Dining, Supermarkets & Grocery Stores worldwide
  • Minimum retail spend of S$888/month, cash back capped at S$25 per category
  • For retail spend less than S$888 and/or other retail spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentVisa payWave, MasterCard PayPass, Samsung Pay, Citi Pay
UOB YOLO Credit Card
Very Good
UOB YOLO Credit Card
Very Good

8% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

2.5%

Foreign Transaction Fee

  • Get up to $170 cash credit when you apply online and for the One Account

Overseas Spending Features

  • 8% cashback on weekend dining, entertainment and Grab rides (also applys to overseas spending)
  • 3% cash rebate on Online Travel card transactions on all days
  • Up to 13% off at Expedia, Agoda, and free travel insurance coverage (up to S$500,000)
  • Minimum spend of S$600/mo and cashback capped at S$60/mo
  • 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
Standard Chartered Rewards+ Credit Card
Very Good
Standard Chartered Rewards+ Credit Card
Very Good

S$1 = 10X Points

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +2 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Overseas Spending Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Rewards+ Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 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 Rate25.90%
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
Very Good
Standard Chartered Visa Infinite Credit Card
Very Good

S$1 = 3 Miles

Overseas Spending Rewards

S$2,000

Min. Spend per month

3.50%

Foreign Transaction Fee

MoneySmart Exclusive: Free S$50 worth of Cash + 35,000 Miles
  • Get 15% cashback with Grab

Overseas Spending Features

  • Get S$50 Cash + 35,000 Miles (T&Cs apply) when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 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 Rate24.46%
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
Very Good
HSBC Visa Infinite Credit Card
Very Good

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
Very Good
Bank of China Family Card
Very Good

10% Cashback

Overseas Spending Rewards

S$700

Min. Spend per month

1.50%

Foreign Transaction Fee

Overseas Spending Features

  • 10% Cash Rebate on Everyday Dining (also in foreign currency)
  • Minimum spend of S$700 per month and total cash back capped at S$100 per month
  • 5% cash back on online purchases also capped at S$100 per month
  • 1.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
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
American Express Singapore Airlines KrisFlyer Credit Card
Satisfactory
American Express Singapore Airlines KrisFlyer Credit Card
Satisfactory

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get S$20 NTUC Voucher

Overseas Spending Features

  • 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
DBS Altitude Visa Signature Card
Satisfactory
DBS Altitude Visa Signature Card
Satisfactory

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get up to 12,000 Miles
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Overseas Spending Features

  • Earn 2 Miles for every S$1 on Oversea spending
  • Earn 3 Miles for every S$1 on Online Flight and Hotel transactions
  • Complimentary travel insurance coverage of up to S$1 million
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% 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 payWave, Apple Pay, Samsung Pay, Google Pay
American Express True Cashback Card
Satisfactory
American Express True Cashback Card
Satisfactory

1.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get S$20 NTUC Voucher
  • 3% Cashback for the first 6 months

Overseas Spending Features

  • 3% cashback on all spending for first 6 months up to $5,000
  • 1.5% Cashback on any purchase you make, anytime
  • Eligible for use with Apple Pay
  • No Minimum spend and cap for 1.5% cash back
  • 2.5% foreign currency transaction fee

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
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Satisfactory
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Satisfactory

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get S$20 NTUC Voucher

Overseas Spending Features

  • 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
Bank of China Zaobao Credit Card
Satisfactory
Bank of China Zaobao Credit Card
Satisfactory

5% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

1.50%

Foreign Transaction Fee

Overseas Spending Features

  • 10% Cash Rebate on Online Purchases (also in foreign currency)
  • 5% Cash Rebate on spend in Mainland China
  • 2x Reward Points for every S$1 spent overseas; 1x Reward Points for every S$1 spent locally
  • Minimum spend of S$600/mo, Cap at S$80
  • Payment can be made in RMB and/or SGD with no currency exchange fees (other currencies 2.5%)

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
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 AssociationUnionPay
Wireless PaymentN/A
Bank of China Qoo10 World Mastercard®
Satisfactory
Bank of China Qoo10 World Mastercard®
Satisfactory

5% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

1.50%

Foreign Transaction Fee

  • Unlimited rebate on Overseas Spend
  • Enjoy up to 15% rebate

Overseas Spending Features

  • 5% Qmoney Rebate on Overseas spend
  • All rebates in form of Qmoney where 1 Qmoney = S$1
  • Minimum spend S$600 in a month
  • No cap for overseas spending rebates until 31 Dec 2018
  • 2.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
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 PaymentN/A
Maybank Horizon Visa Signature
Satisfactory
Maybank Horizon Visa Signature
Satisfactory

S$1 = 2 Miles

Overseas Spending Rewards

S$300

Min. Spend per month

2.50%

Foreign Transaction Fee

Overseas Spending Features

  • Earn 2 Miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transaction
  • Minimum spend S$300/month required
  • Capped at 30,000 Bonus TREATS Points per month
  • Complimentary Travel Insurance up to S$1,000,000
  • 2.75% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$180
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
Maybank FC Barcelona Visa Signature
Satisfactory
Maybank FC Barcelona Visa Signature
Satisfactory

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

Overseas Spending Features

  • 2X TREATS Points for every S$1 spent on foreign currency transactions
  • No minimum spend and no cap on spending
  • 10% discount on merchandises at the FC Barcelona Asia Pacific Online store
  • Enjoy 5% discount on merchandise at the FCBotiga official store at Camp Nou in Barcelona, Spain
  • 2.75% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$120
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or 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
Standard Chartered Spree Credit Card
Poor
Standard Chartered Spree Credit Card
Poor

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab

Overseas Spending Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Spree Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 3% cashback on all online spends in foreign currency and vPost spends
  • No minimum spend required
  • Cash back capped at S$60/month
  • 3.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
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
Show more cards