Compare the Best Travel Credit Card in Singapore 2026
Find the best travel credit card in Singapore that offers air miles, lounge access, hotel discounts, complimentary travel insurance and more.
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Travel Credit Card Comparison: Features & Fees Table
Evaluate the top Singapore travel credit cards side-by-side: spot the right earn rates, perks, and requirements for your upcoming trips.
Credit card | Bonus miles earn rate | Annual fee & waiver | Lounge & travel perks | Minimum annual income |
1.3 mpd on local spend 2.2 mpd on foreign currency spend | $196.20 (First year waived) Subsequent annual fee waivers with min. $25,000 annual spend | 2 free Priority Pass airport lounge visits per year DBS points never expire | Singaporeans / PRs: $30,000 Foreigners: $45,000 | |
1.2 mpd on local spend 2.2 mpd on foreign currency spend Up to 10 mpd on Kaligo and Agoda bookings (via Citi portal) | $196.20 (First year waived) | 2 free airport lounge visits per year Citi Miles never expire | Singaporeans / PRs: $30,000 Foreigners: $42,000 | |
1.2 mpd on local spend 2.4 mpd on foreign currency spend | $196.20 (waived with min. $25,000 annual spend from 2nd year onwards) | 4 free airport lounge visits per year Instant hotel / airline redemptions Up to S$150,000 complimentary travel insurance coverage | Singaporeans / PRs: $65,000 Singaporeans / PRs (with $50k HSBC TRB): $30,000 (salaried) / $40,000 (self-employed) Foreigners: $65,000 | |
Up to 8 mpd (20X Reward Points) on eligible online / contactless spend comprising dining, shopping, travel, ride hailing, taxis and memberships worldwide (with $50k EGA balance) Otherwise, 4 mpd (10X Reward Points) bonus rate applies 0.4 mpd (1X Reward Point) on all other spend | None | Up to S$1 million complimentary travel insurance coverage Free e-commerce protection | Singaporeans / PRs: $65,000 Singaporeans / PRs (with $50k HSBC TRB): $30,000 (salaried) / $40,000 (self-employed) Foreigners: $65,000 | |
Up to 8 mpd on Agoda / Expedia bookings (via UOB PRVI portal) Up to 3 mpd on eligible foreign spend in Malaysia, Indonesia, Thailand, and Vietnam 2.4 mpd on other foreign currency spend 1.4 mpd on local spend | $261.60 (First year waived) | 4 free airport lounge visits per year Up to S$500,000 complimentary personal accident coverage | Singaporeans / PRs: $30,000 Foreigners: $40,000 | |
Up to 7 mpd on Agoda bookings 2.1 mpd on foreign currency spend 1.3 mpd on local spend | $196.20 (First year waived) | Complimentary e-commerce protection | Singaporeans / PRs: $30,000 (21–54 years old) Singaporeans / PRs: $15,000 (55+ years old) Foreigners: $45,000 | |
2 mpd on eligible SIA / Scoot spend Up to 2 mpd on eligible Grab Singapore transactions 1.2 mpd on all other spend | $397.85 (No waiver) | Annual complimentary 1-night stay at select Hilton hotel properties 2 free airport lounge visits per year Fast-track to KrisFlyer Elite Gold status Up to S$1 million complimentary travel accident coverage | Regulatory min. income applies (usually $50,000+) | |
3 mpd on eligible local transport, food delivery, and online groceries 2 mpd on foreign currency spend 1.2 mpd on local spend | $196.20 (First year waived) | Singaporeans / PRs: $30,000 Foreigners: $42,000 |
Disclaimer: All travel credit cards featured in this table charge a 3.25% foreign transaction fee. “Mpd” = miles per S$1. Local/overseas spend rates apply to eligible merchant category codes (MCCs) only—exclusions vary by card.
Best Travel Credit Cards by Category (Editor’s Picks)
Find your perfect-fit travel card with these scenario-based picks, each matched to a specific travel goal. We’ve compared all card options based on eligibility, unique advantages, optimisation, and more down below.
Disclaimer: “Mpd” = miles per S$1.
DBS Altitude Visa Signature Card | Citi PremierMiles Card | UOB PRVI Miles Card |
👍 Best for beginners | 👍 Best for booking hotels and flights | 👍 Best for overseas spend |
1.2 mpd on local spend and 2.3 mpd on foreign currency spend $27.25 fee per miles conversion | Up to 10 mpd on hotel bookings via Kaligo and Agoda Citi Miles never expire ⭐ MoneySmart Tip: Use Citi PayAll for rent, bills, and taxes to rack up miles on big-ticket expenses | Up to 3 mpd on regional spend in Malaysia, Indonesia, Thailand, and Vietnam No cap on bonus miles earn rate ⭐ MoneySmart Tip: Book hotels on Agoda and Expedia (via UOB portal) to earn up to 8 mpd |
HSBC TravelOne Card | HSBC Revolution Card | AMEX Singapore Airlines KrisFlyer Ascend Card |
👍 Best for rewards flexibility | 👍 Best for all-rounded spend with no annual fee | 👍 Best for Singapore Airlines perks |
Instant miles redemption at 20+ airlines and hotel partners 4 free airport lounge visits per year Up to S$150,000 complimentary travel insurance coverage ⭐ MoneySmart Tip: Redeem miles instantly via HSBC app just before booking flights or hotels; ideal for spontaneous travel | Up to 8 mpd on eligible online and contactless spend (with min. $50k EGA balance) No annual fee, ever | 2 mpd on Singapore Airlines and Scoot bookings Complimentary 1-night stay at select Hilton properties annually Fast-track to KrisFlyer Elite Gold status ⭐ MoneySmart Tip: Frequent flyers of Singapore Airlines or Scoot will benefit the most from this card |
For more detailed guides, explore our air miles credit card or no annual fee credit card pages.
How to Optimise Travel Credit Cards For Maximum Value
Strategy | How to maximise | Example |
Use supplementary cards | Issue to family members; all spend accumulates to principal account for faster threshold hits | Family trip expenses (e.g. $1,000 hotel booking) on supplementary cards count towards bonus miles and annual spend threshold (for annual fee waiver, if needed) |
Spend-to-miles calculation | Track earn rates x spend for redemption planning | For a short-haul round-trip (e.g. $2,000 flight at 3 mpd = 6,000 miles earned) |
Use bonus categories & partner portals | Book via designated platforms (SIA / Scoot, Agoda, Kaligo) for bonus miles | Use Citi PremierMiles Card to book hotels on Kaligo and Agoda (via Citi portal) |
Consolidate spend | Focus purchases on 1–2 miles cards to hit bonus miles threshold | Put all travel expenses onto one card (e.g. HSBC TravelOne) to maximise overseas bonus miles |
Track expiry dates | Set calendar reminders for miles cards with expiry (except Citi PremierMiles and DBS Altitude) | Set calendar reminders for when HSBC Revolution points expire (e.g. after 37 months) Plan redemption 2 months ahead |
How to transfer points to frequent flyer programmes
Program | Transfer blocks | Timeline | Key notes |
KrisFlyer (SIA) | DBS: 5,000 DBS points = 10,000 miles ($27.25 fee) UOB: 5,000 UNI$ = 10,000 miles ($27 fee) OCBC: 25,000 OCBC$ (KrisFlyer) or 34,500 OCBC$ (Asia Miles) = 10,000 miles ($27.25 fee) Citibank: 10,000 Citi Miles = 10,000 miles ($27.25 fee) | 1–5 working days (longer in peak seasons) | Verify card points expiry (e.g. HSBC Revolution) |
Asia Miles (Cathay) | Good for oneworld airlines (Cathay, British Airways, Qantas) | ||
Other airline / hotel partners | Instant redemption via bank apps (HSBC TravelOne: 20+ partners) | Immediate to 1–2 days | Some cards exclude low-cost carriers or select ticket classes |
Redemption best practices
- Book ahead: Reserve flights / hotels weeks in advance and factor in 1–5 day processing times to secure award seat availability.
- Batch transfers: Transfer large point blocks at once to minimise per-transfer fees (e.g. $27.25 per DBS Altitude point conversion)
Eligibility Criteria & Application Process For Travel Credit Cards
Card eligibility & fees
Requirement | Singaporeans / PRs | Foreigners |
Minimum age | 21 years | 21 years |
Minimum annual income | From $30,000 (most cards) to $65,000 (HSBC TravelOne/Revolution, unless $50k TRB) OCBC 90°N: $15,000 (age 55+) | $40,000–$65,000 (most cards) $65,000 (premium cards) HSBC: $30,000 salaried/$40,000 self-employed (with $50k TRB) |
Work pass | Not required | Valid Employment Pass or S Pass (≥ 6 months validity) |
Required documents | For salaried employees:
For self-employed:
| For salaried employees:
For self-employed/commission earners:
|
Beyond annual fees, consider these common charges that apply to travel credit cards:
- Late payment fee: $100 if minimum payment is not made by due date
- Minimum monthly repayment: 3% of outstanding balance or $50, whichever is greater
- Card advance transaction fee: 6% of amount advanced or $15, whichever is higher
- Overlimit fee: $40
- Interest-fee period: 20–25 days (period during which no interest is charged if you pay balance in full)
- Annual prevailing rate (APR): 26.90%–27.80% p.a. (varies by bank)
How to apply for travel credit cards: Step-by-step guide
Step | Action | Details |
1 | Compare travel credit cards on MoneySmart | Use MoneySmart’s travel credit card comparison tool to analyse and choose the best card fit for your spending and corresponding travel habits. |
2 | Apply for preferred travel credit card on MoneySmart | Start your application by clicking the "Apply Now" button on the card's page via MoneySmart or directly through the bank's website. Upon application, your Singpass MyInfo will be accessed (for Singaporeans / PRs) to verify your identity and retrieve income details automatically. Once successfully submitted, the approval-in-principle page should appear within a few minutes. For foreigners, manually upload all required documents during application. |
3 | Wait for card approval | After accurately entering your personal details and uploading your documents, wait for the bank to review and assess your application. Approval timelines:
In most cases where all required documents are submitted and income requirements are met, instant card approval is possible. You'll receive a confirmation email or SMS once your application is approved. |
4 | Receive and activate card | Activate your digital card instantly via the bank's mobile app (if available). In general, you can find your virtual credit card on the bank app through an option like “credit card account” → "View more" → "Manage cards" → Activate card. Once activated, you can also:
Your physical card will arrive by mail (typically 5–7 working days). |
Card troubleshooting & support
If you encounter issues during or after application, here's how to resolve them quickly:
- Card activation fails → Re-check details entered, restart app/phone, try alternative method (hotline/website), and confirm PIN setup required
- Overseas transactions declined → Verify card’s overseas spend enabled in bank app settings
- Merchant acceptance issues → American Express is generally less accepted than Visa/Mastercard in some regions. Advised to carry a (more widely-accepted) backup Visa or Mastercard
- Rewards / miles not credited → Allow few banking days post-transaction; check enrollment & spend requirements in rewards dashboard; contact bank if still missing after 7–10 days
- Card lost or fraud suspected → Lock / block card immediately in app; notify bank hotline within 24 hours for unauthorized transactions
- Application denied → Review eligibility criteria above; check credit score; wait 3–6 months before reapplying to avoid multiple rejections impacting credit profile
What Customers are Saying About Our Credit Card Applications (From Google Reviews)
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FAQs About Travel Credit Cards in Singapore
What makes a travel credit card different from a regular card?
- Travel credit cards earn air miles, points, or rewards on daily and overseas spend, and offer complimentary perks like airport lounge access, travel insurance, and miles redemptions. Standard credit cards tend to prioritise cashback or general retail rewards without travel privileges.
How do I choose the best travel credit card for my needs in Singapore?
- Choose your preferred travel credit card based on your spending patterns and travel frequency:
- Frequent flyers (3+ trips per year): DBS Altitude, Citi PremierMiles, and AMEX Singapore Airlines KrisFlyer Ascend offer high overseas miles earn rates (2–3 miles per $1), airport lounge access, and travel insurance.
- Occasional travellers (1–2 trips per year): HSBC Revolution (no annual fee) or cards with first-year fee waivers offering flexible points transfer to multiple airlines would be ideal.
- Big spenders (> $1,000 monthly): UOB PRVI Miles and OCBC 90ºN allows uncapped miles earning, with no minimum spend.
How do I maximise travel credit card rewards and benefits?
- During bookings and travels, ensure that you:
- Activate overseas usage in bank app
- Register for travel bonus categories, if needed (e.g. “Travel” under UOB Lady’s Card)
- Purchase big-ticket expenses (flights, hotels) through bank portals for accelerated miles (e.g. UOB, Citi portals)
Otherwise, year-round, do continue hitting the monthly bonus caps on eligible spend and pair with bank accounts (where applicable) to hit higher bonus rates (e.g. 8 miles per $1 on HSBC Revolution with HSBC EGA). Should I get a cashback or miles credit card for travel?
- Choose miles cards if you travel frequently (2+ trips per year) and want to redeem for flight upgrades or business class tickets, where miles deliver higher value than cash. Meanwhile, choose cashback cards if you travel occasionally and prefer straightforward rebates without tracking expiry or transfer fees.
Value comparison Citi PremierMiles Card OCBC 365 Card Scenario: $2,000 monthly overseas spend (over 12 months)
(2.2 mpd x $2,000) x 12 months = 52,800 miles per year(3% cashback x $2,000) x 12 months = $720 cashback per year Net balance 52,800 miles = Round-trip economy saver to Japan or South Korea $720 cashback - $196.20 annual fee - $780 FX fees = -$256.20 net loss What are the best no annual fee travel credit cards in Singapore?
- HSBC Revolution Credit Card has permanent no annual fee, earning up to 8 miles per $1 on online/contactless spend when paired with HSBC Everyday Global Account ($50k average daily balance), or 4 miles per $1 without.
Alternatively, cards with first-year fee waivers include DBS Altitude ($196.20 waived year 1; subsequent years with $25k spend) and Citi PremierMiles ($196.20 waived year 1 only). Do travel credit cards charge foreign transaction fees in Singapore?
- Yes, most charge 3.25% FX fees on overseas purchases (in-person and online foreign currency). However, rewards (2–3 mpd) typically outweigh fees on large purchases.
Example: $1,000 spend = $32.50 fee but earn 2,200 miles (≈$55 value).
💡 MoneySmart Tip: To offset this fee, consider either zero foreign transaction fee credit cards or multi-currency account cards (e.g. YouTrip, Instarem amaze).