Best Credit Cards for Overseas Spending 2019

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

8% Cashback

Overseas Spending Rewards

S$888

Min. Spend per month

2.80%

Foreign Transaction Fee

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

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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 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$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 CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

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 CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

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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
Up to 10 Citi Miles per S$1 spent on selected online travel bookings
Complimentary travel insurance coverage of up to S$1 million
2.8% 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

Get up to 12,000 welcome miles
Enjoy up to 3 miles for every S$1 spent on Grab

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$1,000,000. 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

KrisFlyer UOB Credit Card

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Miles

on dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Miles

on all other spend

Online Promotion: Get 12,000 KrisFlyer miles! Applies to New to bank customers.Valid till 30 Jun 2019.

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Miles

on dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Miles

on all other spend

Online Promotion: Get 12,000 KrisFlyer miles! Applies to New to bank customers.Valid till 30 Jun 2019.

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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

1.50%

Foreign Transaction Fee

S$1 = 3 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

1.50%

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
4X Complimentary access to Plaza Premium lounges worldwide in a year. Valid for applicants who have applied for the card between 23 July till 30 June 2019
2.5% foreign currency transaction fee

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$190
Supplementary Annual Fee	$95
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

UOB YOLO Credit Card

8% Cashback

on Overseas Spend

S$600

Min. Spend per month

2.5%

Foreign Transaction Fee

Get S$100 when you apply online

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

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$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 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$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

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Overseas Spending Features

New-To-Bank customers: Get up to S$100 Cashback and instant digital card approval with MyInfo when you apply for SCB Rewards+ Card and S$20 when you spend minimum S$1 within 3 days from approval date
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

Online Promotion: Get 35,000 Welcome Miles + Instant Digital Card Approval Valid till 30 Jun 2019.

S$1 = 3 Miles

Overseas Spending Rewards

S$2,000

Min. Spend per month

3.50%

Foreign Transaction Fee

Online Promotion: Get 35,000 Welcome Miles + Instant Digital Card Approval Valid till 30 Jun 2019.

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Overseas Spending Features

Get S$20 Cashback when you apply for SCB Visa Infinite Card via MyInfo and get instant card approval, and spend minimum S$1 within 3 days from approval date
Get 35,000 Miles and receive instant digital card approval with MyInfo 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

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

S$1 = 2.25 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.80%

Foreign Transaction Fee

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

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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 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

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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 Rate	28.88%
Principle Annual Fee	$190
Supplementary Annual Fee	$95
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

Get up to 35,500 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 35,500 KrisFlyer milesValid till 30 Jun 2019.

Get 3.1 KrisFlyer miles per S$1 spent on Daily Essentials

+1 more

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 35,500 KrisFlyer milesValid till 30 Jun 2019.

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Other Promotions

Get S$20 CapitaLand Voucher

Overseas Spending Features

Enjoy up to 35,500 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card. Get 11,150 KrisFlyer miles upon first S$1,500 spend, another 11,350 (7,500+3,850) KrisFlyer miles with a min. spend of S$3,500 within first 3 months of Card Approval date and an additional 13,000 (7,500+5,500) KrisFlyer miles with the next min. spend of S$5,000 within the 4th-6th months of Card Approval. Valid till 30 Jun 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 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

Get S$80 Cash

American Express True Cashback Card

1.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

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

Get up to S$60 CapitaLand Vouchers

+1 more

1.5% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

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

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Other Promotions

Get S$20 CapitaLand Voucher

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 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

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

More Details

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 Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% 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 payWave, Apple Pay, Samsung Pay, Google Pay

Get up to 65,500 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 65,500 KrisFlyer miles!Valid till 30 Jun 2019.

Get 3.2 KrisFlyer miles per S$1 spent on Daily Essentials

+1 more

S$1 = 2 Miles

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

MoneySmart Exclusive: Get up to 65,500 KrisFlyer miles!Valid till 30 Jun 2019.

More Details

Other Promotions

Get S$50 CapitaLand Voucher

Overseas Spending Features

Enjoy up to 65,500 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card. Get 15,100 KrisFlyer miles upon first S$3,000 spend, another 23,400 (15,000+8,400) KrisFlyer miles with a min. spend of S$7,000 within first 3 months of Card Approval date and an additional 27,000 (15,000+12,000) KrisFlyer miles with the next min. spend of S$10,000 within the 4th-6th months of Card Approval. Valid till 30 Jun 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 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

OCBC 365 Credit Card

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

6.00%

Foreign Transaction Fee

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

6% Cashback

Overseas Spending Rewards

S$800

Min. Spend per month

6.00%

Foreign Transaction Fee

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 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

Maybank Horizon Visa Signature

S$1 = 2 Miles

Overseas Spending Rewards

S$300

Min. Spend per month

2.50%

Foreign Transaction Fee

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

S$1 = 2 Miles

Overseas Spending Rewards

S$300

Min. Spend per month

2.50%

Foreign Transaction Fee

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

More Details

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 Rate	25.90%
Principle Annual Fee	$180
Supplementary Annual Fee	Complimentary
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$50,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay

Maybank FC Barcelona Visa Signature

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

3% Cashback

Overseas Spending Rewards

S$0

Min. Spend per month

2.50%

Foreign Transaction Fee

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

More Details

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 Rate	25.90%
Principle Annual Fee	$120
Supplementary Annual Fee	Complimentary
Fee Waiver	Available
Minimum Monthly Repayment	3% or 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

ICBC Global Travel MasterCard Credit Card

3% Cash Back

Oversea Spending Rewards

S$0

Min. Spend per month

2.5%

Foreign Transaction Fee

3% Cash Back

Oversea Spending Rewards

S$0

Min. Spend per month

2.5%

Foreign Transaction Fee

More Details

Overseas Spending Features

3% unlimited cash back on Overseas Spend
No minimum spend required
No Cap on cash back

Annual Interest Rate and Fees

Annual Interest Rate	24.00%
Principle Annual Fee	$150
Supplementary Annual Fee	S$75
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$30,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass