Best Credit Cards for Overseas Spending 2019

MoneySmart Exclusive: Get S$250 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 30 Sep 2019.

8% Cashback

Overseas Spending Rewards

S$888

Min. Spend per month

Foreign Transaction Fee

MoneySmart Exclusive: Get S$250 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 30 Sep 2019.

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Overseas Spending Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$250 Cash
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
3% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay

Get S$250 Cash via PayNow!

Citi PremierMiles Visa Card

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

Foreign Transaction Fee

MoneySmart Exclusive: Get S$250 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 30 Sep 2019.

Get 30,000 Citi Miles when you apply & spend

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

Foreign Transaction Fee

MoneySmart Exclusive: Get S$250 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 30 Sep 2019.

More Details

Overseas Spending Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$250 Cash
Earn 2 Citi Miles for every S$1 on Overseas spending
Citi Miles never expire
No Minimum spend or cap on spending
Complementary Access to Priority Pass™ Lounges at over 600 airport lounges twice a year
Up to 10 Citi Miles per S$1 spent on selected online travel bookings
Complimentary travel insurance coverage of up to S$1 million
3% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	Complimentary
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa, American Express
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

UOB PRVI Miles Card

S$1 = 2.4 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

3.25%

Foreign Transaction Fee

Earn up to 3miles per S$1 spend on Klook bookings (Exclusive to UOB Privi Miles Cards only)
Get S$150 cash credit

S$1 = 2.4 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

3.25%

Foreign Transaction Fee

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Overseas Spending Features

Earn 2.4 Miles for every S$1 on Oversea spending
Earn 10 Miles for every S$1 on selected online hotels and flight bookings through Expedia, UOB Travel and Agoda
No minimum spend and no cap on earned miles
Complimentary travel insurance coverage of up to S$500,000. T&Cs apply
3.25% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$257
Supplementary Annual Fee	128.4
Fee Waiver	1 year fee waiver, free first 2 supplementary cards
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	MasterCard, Visa, American Express
Wireless Payment	MasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Popular Overseas Spending Credit Cards

OCBC 90°N Card

S$1 = 4 Miles

on Overseas spend

S$0

Min. spend per month

Foreign Transaction Fee

Online Promotion: Get up to S$50 Cash Rebate and 7,000 Miles!Valid till 31 Oct 2019.

S$1 = 4 Miles

on Overseas spend

S$0

Min. spend per month

Foreign Transaction Fee

Online Promotion: Get up to S$50 Cash Rebate and 7,000 Miles!Valid till 31 Oct 2019.

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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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Mastercard
Wireless Payment	Apple 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

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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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Mastercard
Wireless Payment	Mastercard 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

Foreign Transaction Fee

S$1 = 3 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

Foreign Transaction Fee

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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 Rate	28.88%
Principle Annual Fee	$203
Supplementary Annual Fee	S$101.65
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard 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

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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 Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa, American Express
Wireless Payment	Visa 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.

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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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	N/A
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa 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

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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 Rate	26.90%
Principle Annual Fee	$589
Supplementary Annual Fee	0.0
Fee Waiver	Not Available
Minimum Monthly Repayment	1% of S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$150,000
Foreigner	$150,000

Other

Card Association	Visa
Wireless Payment	Visa 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

More Details

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 Rate	25.90%
Principle Annual Fee	$650
Supplementary Annual Fee	0.0
Fee Waiver	Not Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$120,000
Foreigner	$120,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

Bank of China Family Card

10% Cashback

Overseas Dining Spending

S$800

Min. Spend per month

Foreign Transaction Fee

10% Cashback

Overseas Dining Spending

S$800

Min. Spend per month

Foreign Transaction Fee

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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 Rate	28.88%
Principle Annual Fee	$203
Supplementary Annual Fee	S$101.65
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	N/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

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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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	N/A
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa 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.

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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 Rate	25.90%
Principle Annual Fee	$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple 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.

More Details

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 Rate	25.90%
Principle Annual Fee	$177
Supplementary Annual Fee	53.5
Fee Waiver	Available
Minimum Monthly Repayment	3% or $50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

OCBC 365 Credit Card

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

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

Foreign Transaction Fee

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

More Details

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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa 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.

More Details

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 Rate	25.90%
Principle Annual Fee	$337
Supplementary Annual Fee	80.25
Fee Waiver	Not Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$50,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple 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.

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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 Rate	25.90%
Principle Annual Fee	$120
Supplementary Annual Fee	0
Fee Waiver	Available
Minimum Monthly Repayment	3% or minimum S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Mastercard
Wireless Payment	MasterCard 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.

More Details

Overseas Spending Features

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$80
Supplementary Annual Fee	0
Fee Waiver	Available
Minimum Monthly Repayment	3% or minimum S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay