Best Credit Cards for Overseas Spending 2019

Updated January 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

Get free $200 Vouchers

Citi PremierMiles Visa Card

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!
  • Get 30,000 Citi Miles when you apply & spend

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

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

Overseas Spending Features

  • Earn 2 Citi Miles for every S$1 on Oversea spending
  • Citi Miles never expire
  • No Minimum spend or cap on spending
  • Access to Priority Pass™ Lounges at over 600 airport lounges twice a year
  • 3 Citi Miles per S$1 spent on Expedia.com.sg
  • Complimentary travel insurance coverage of up to S$1 million
  • 2.8% foreign currency transaction fee

Annual Interest Rate and Fees

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

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay
UOB YOLO Credit Card

8% Cashback

on Overseas Spend

S$600

Min. Spend per month

2.5%

Foreign Transaction Fee

  • Get up to $150 cash credit when you apply online with selected savings accounts

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
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

  • Receive 35,000 Welcome Miles
  • Get 15% cashback with Grab

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 Miles 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 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

S$1 = 2.25 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

  • Welcome Gift: 40,000 Air Miles

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 Spending Rewards

S$700

Min. Spend per month

1.50%

Foreign Transaction Fee

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

Get up to 30,800 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 30,800 KrisFlyer miles
  • Get S$20 NTUC Voucher

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 30,800 KrisFlyer miles

Overseas Spending Features

  • Enjoy up to 30,800 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card. Get 9,200 KrisFlyer miles upon first spend, and an additional 21,600 (7,500+7,500+6,600) KrisFlyer miles with a min. spend of S$6,000 within 6 months of Card Approval date. Valid till 31 Jan 2019. Full T&Cs
  • 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

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get up to 12,000 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$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

1.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get up to S$60 CapitaLand OR Cold Storage vouchers
  • Get S$20 NTUC Voucher

1.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

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, Google Pay, Samsung 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

Get up to 53,600 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 53,600 KrisFlyer miles
  • Get S$20 NTUC Voucher

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 53,600 KrisFlyer miles

Overseas Spending Features

  • Enjoy up to 53,600 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Ascend Credit Card. Get 9,200 KrisFlyer miles upon first spend, and an additional 44,400 (30,000+14,400) KrisFlyer miles with a min. spend of S$12,000 within 6 months of Card Approval date. Valid till 31 Jan 2019. Full T&Cs
  • 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 Horizon Visa Signature

S$1 = 2 Miles

Overseas Spending Rewards

S$300

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get S$50 cash credit (Samsonite Orfeo 69cm Spinner FULLY REDEEMED)

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

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

  • Get S$50 cash credit (Samsonite Orfeo 69cm Spinner FULLY REDEEMED)

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
Bank of China Qoo10 World Mastercard®

5% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

1.50%

Foreign Transaction Fee

5% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

1.50%

Foreign Transaction Fee

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
Bank of China Zaobao Credit Card

5% Cashback

Overseas Spending Rewards

S$600

Min. Spend per month

1.50%

Foreign Transaction Fee

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
Standard Chartered Spree Credit Card

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

  • Get S$150 in Prime Now Credits or up to S$100 cashback
  • Get 15% cashback with Grab

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

3.50%

Foreign Transaction Fee

Overseas Spending Features

  • Get up to S$100 worth of Cashback or S$150 Amazon Prime Now Credit when you apply for SCB Spree Card via MoneySmart
  • 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
OCBC 365 Credit Card

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

6.00%

Foreign Transaction Fee

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

6.00%

Foreign Transaction Fee

Overseas Spending Features

  • 6% cash back on everyday Dining (also applys to overseas spending)
  • 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
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