Best Credit Cards for Golfers 2020

Frequent golfers, take note–of the 100+ credit cards in Singapore, we've identified and carefully reviewed a select few that provide market-leading golfing privileges throughout SE Asia and the world. From complimentary green fees to discounts at exclusive overseas resorts, the credit cards below can save golfers hundreds of dollars per year, while also providing great value in terms of overall rewards rates.

Best Credit Cards for GolfersGolfing PrivilegesFairways & Countries
Best for MilesMB World2 free green fees/mo120 fairways, 25 countries
Best for CashbackCIMB V Infinite2 free green fees/mo108 fairways, 16 countries
Dining PrivilegesAmex PlatinumWaived green fees50 fairways, 8 countries
Luxury PerksCiti Prestige6 free green fees/year10 fairways, 4 countries
Social High SpendersCIMB World50% off green fees25 fairways, 9 countries
Bonus Miles for WealthySCVI X30% off green fees24 fairways, 12 countries
No Annual Fee + MilesDBS Altitude30% off green fees across SE Asia24 fairways, 12 countries
Flexible MilesOCBC Voyage30% off green fees24 fairways, 12 countries

Best Miles Card for Avid Golfers: Maybank World MasterCard

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)

Maybank World MasterCard is the absolute best miles-earning card for golfers on the market–in fact, it offers the most comprehensive set of privileges out there. Cardholders enjoy 2 free green fees every month at 120 top-notch fairways in 25 countries. Competitors limit privileges to SE Asia, but Maybank World offers access to courses as distant as Turkey, Portugal, Italy, the UAE, and even the United States.

In order to access these golfing privileges, cardholders must spend S$1,000/month. However, this spend can be put to great use. Every S$1 spend on select dining & luxury retail earns 4 miles in rewards–which couples nicely with perks like free travel insurance and airport lounge access. This rewards rate also applies to supplementary cardholders, making Maybank World MasterCard a great option for couples where one person loves golfing and the other enjoys shopping.

Even better, spend by both the primary and supplementary cardholders counts towards earning a fee-waiver. After combined spend reaches S$24,000 for the year, the S$240.0 fee is waived. As a result, Maybank World MasterCard is not only the best miles card for golfers on the market, it’s also an exceptional no-fee rewards card for luxury shoppers.

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  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore

Best Cashback Card with Golfing Privileges: CIMB Visa Infinite

Consider this if you want a no fee cashback card for travelling

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo

Of all the cashback cards currently on the market, CIMB Visa Infinite Card offers the absolute best golfing perks. Cardholders receive up to 2 free green fees every month, and can play at 108 fairways across 16 countries. In addition, many fairways do not require the cardholder to bring a paying guest, which can reduce costs and make a booking truly free. In the meantime, cardholders enjoy 1% general cashback, boosted to 2% on travel and overseas expenses after S$2,000 minimum spend. There are no earnings caps, allowing wealthier cardholders to earn to their full potential. Finally, CIMB Visa Infinite cardholders can also enjoy perks like free travel insurance, discounted limo transfers and up to 3 free lounge visits annually. The card is free forever, making CIMB Visa Infinite Card the best cashback card on the market for golf enthusiasts.

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  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Best Luxury Card with Dining & Golfing Privileges: American Express Platinum

Consider this if you want luxury dining & lifestyle perks within Singapore

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive 13,750 miles (25k pts) w/ S$6k spend in 1st 3 mo
  • Receive 13,750 miles (25k pts) w/ another S$6k spend in following 3 mo
  • Get S$150 GrabFood vouchers (via partnership w/SingSaver)

If you're an affluent Singaporean looking for local and regional luxury, consider American Express Platinum Card. Cardholders enjoy discounts of up to 40% off a la carte services at elite spas and up to 50% off at high-end restaurants and hotel buffets through the Love Dining programme & Amex Selects. Other perks include free drinks at upscale bars through Amex Chillax and special invitations to Michelin guest chef dinners, as Amex Platinum is the official card partner of Michelin Guide Singapore.

Beyond these perks, cardholders also enjoy one of the best golfing benefits on the market–complimentary green fees at 50 fairways across 8 countries in Asia Pacific. Cardholders must be accompanied by 1 paying guest on weekdays and 2 on weekends, still must pay for their buggies and other expenses, and must have golfers insurance to play, but these limitations are fairly standard across competitors. Even better, there are no clear restrictions on the number of waived green fees a cardholder can enjoy per month.

Finally, cardholders also earn miles for their spend, though rates are quite low–0.69 miles (1.25 pts) per S$1 general spend. Purchases with Platinum EXTRA Partners, which are typically designer fashion, watch and jewellery brands, earn 3.44 miles (6.25 pts) per S$1. Amex Platinum has a S$321 fee with no waiver option, so it's more expensive than other cards with golfing perks. However, given its many local and regional privileges, Amex Platinum may still prove valuable to affluent Singaporeans seeking luxury in their day-to-day lives.

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  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees

Best Card for Luxury Perks & Golfing Privileges: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Free S$200 cash via PayNow (new customers)
  • S$30 cash via PayNow (existing customers)

Citi Prestige MasterCard is the best luxury travel card with golfing privileges on the market. To begin with, cardholders enjoy high rewards rates of 1.3 miles per S$1 spend locally and 2 miles overseas. This is complemented by 25,000 annual renewal miles (worth S$250), which help to offset the admittedly high S$535.0 fee.

Citi Prestige Card stand out, however, for its top-notch travel perks. Cardholders receive unlimited lounge access for themselves and a guest, with no minimum spend requirement. In addition, they receive complimentary access to JetQuay, up to 8 free limo transfers/year, bonus 4th nights at hotels worldwide, free travel insurance & more.

Citi Prestige Card also offers golfing privileges that exceed those offered by many competitors. While other travel cards just offer discounts, Citi Prestige provides cardholders with 6 free green fees/year–3 for use at select fairways in Singapore, 3 for use overseas at clubs in China, Malaysia, and Indonesia. There are no minimum spend requirements, and privileges apply to both weekday and weekend rounds. Other cards are not this flexible.

Ultimately, Citi Prestige Card is ideal if you’re a golfer that prioritises comfort and convenience in travel; you’ll earn high rates and enjoy luxury perks, all while receiving free green fees for use year-round.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Cashback for Social Spenders, with Golf Perks: CIMB World MasterCard

Consider this if you want a free credit card with golf benefits

Annual Income Requirement Singaporean & Singapore PR: S$50,000. Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo

CIMB World MasterCard offers social high spenders the opportunity to maximise their cashback while also enjoying golf perks. Cardholders earn 1.5% cashback, with no minimum spend requirement and no earnings caps. This aligns with what other unlimited cashback cards offer. However, CIMB World MasterCard also offers a boosted 2% unlimited cashback on leisure spend–this includes on wine & dine, entertainment, recreation, automobile & parking, and spend at duty-free stores. Cardholders earn both locally and overseas.

In terms of perks, consumers enjoy free travel insurance and lounge access–plus 50% off green fees at 25 fairways across Asia. Even more, the card is free forever. Overall, CIMB World MasterCard is a great option for social spenders who want unlimited rewards, plus golfing perks.

Read Our Full Review

  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences

Standard Chartered Visa Infinite X: Highest Bonus Miles

Consider this if you have +S$100k of cash you can put into a banking account with Standard Chartered

Annual Income Requirement S$80,000 (S$30,000 for SG citizens & PR with Priority or Private Banking accounts)
Foreigner Income Requirement S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020

Standard Chartered Visa Infinite X Card provides the best welcome offer in the market for high income consumers, and therefore highly relevant for golfers. If you can deposit S$300k into Standard Chartered's Priority Banking Account and keep it there for at least 3 months, you can earn a substantial 100,000 KrisFlyer miles welcome bonus, which is worth about S$10k when redeemed for business class tickets. This reward can increase to up to 300k miles for those who can deposit S$1.5mn or more. Besides this welcome bonus, SC VI X Card provides pretty standard set of rewards for high-end cards, like 1.2 miles and 2 miles earned per S$1 spent locally and overseas.

SC Visa Infinite X Card's golfing privileges come through Visa Infinite & Concierge, which includes 30% off green fees at 24 fairways across 12 countries (Singapore, Malaysia, Indonesia, Australia, China, Japan, Korea, & beyond). Other perks include 2 free lounge visits/year, complimentary breakfast & upgrades at various premium hotel chains, Hertz Asia rental privileges, free travel insurance and more. Though SC Visa Infinite X Card's annual fee is on the high side (S$695.5 per annum, non-waivable), it's more than offset by the generous welcome bonus for those who qualify.

Read Our Full Review

  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia

No-Fee Miles Card with Affordable Perks: DBS Altitude Visa Card

Consider this if you want a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Double your miles on online spend & offline shopping until 31 Aug 2020
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

DBS Altitude Visa Card is a great travel card if you’re a golfer seeking affordable miles and travel perks. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas, and 3 miles for online travel bookings. Miles earned never expire. In addition, they receive 2 free lounge visits/year, free travel insurance, and dining privileges with Visa Foodie Trail. Cardholders even have access to 30% off green fees across SE Asia through Visa Infinite & Concierge. The S$192.6 fee is far lower than that offered by travel cards with similar benefits, and can even be waived with S$25,000 annual spend. Overall, if you want an affordable miles card with great perks, but without a massive fee, you might want to consider DBS Altitude Card.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)

Best Travel Card for Flexible Miles Redemption: OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Receive 15,000 annual bonus miles

If you have a shifting travel schedule, you might want to consider OCBC Voyage Card. Cardholders earn 2.3 miles per S$1 overseas, 1.2 miles locally and a boosted 1.6 miles on local dining. This is perfect if you travel often, but also spend extended periods of time at home. The miles you earn can also be redeemed with no black-out dates, no transfer or conversion fees, and with minimal processing time, making OCBC Voyage Card one of the easiest cards for miles redemption on the market.

OCBC Voyage Card offers more than high rates and flexibility, however. Cardholders also receive unlimited airport lounge access and up to 2 free limo transfers/month. Other perks include free travel insurance and up to 30% off green fees at 24 fairways, across 12 countries (through Visa Infinite & Concierge service). Overall, the flexibility and balance of great rates and luxury perks make OCBC Voyage Card on of the best travel cards out there for golfers.

Read Our Full Review

  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Card for Overseas Business Travellers: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles

If you’re a golfer who frequently travels, you can easily maximise rewards for your overseas spend–while also enjoying discounted green fees–with Standard Chartered Visa Infinite Card. Cardholders enjoy the highest rewards rates on the market, at 1.4 miles per S$1 locally and an incredible 3 miles overseas. In addition, they receive 35,000 welcome miles (worth S$350), which offset the S$588.5 fee. What really stands out, however, is that SC Visa Infinite Card rewards cardholders for banking activity–tax payments, fixed deposits, investments, mortgage loans, savings accounts & more–which many competitors exclude from their rewards programmes.

SC Visa Infinite Card also provides golfing privileges through Visa Infinite & Concierge. Cardholders receive 30% off green fees at 24 fairways across 12 countries (Singapore, Malaysia, Indonesia, Australia, China, Japan, Korea, & beyond). Other perks include 6 free lounge visits/year, a free annual yacht hire, Hertz Asia rental privileges, free travel insurance and more. Overall, SC Visa Infinite Card is an excellent option if you want the highest rates on the market for overseas spend, with the added benefit of luxury travel privileges.

Read Our Full Review

  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Summary of Best Credit Cards for Golfing Privileges 2020

Below, we've prepared a summary of our picks for the best credit cards for golfing privileges2020.

CardBest for...Annual Fee
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
DBS AltitudeNo Annual Fee + MilesS$192.6(waiver)
OCBC VoyageFlexible MilesS$488.0
SC VIOverseas SpendingS$588.5
CIMB WorldCashback for GolfersS$0.0
CardBest for...Annual Fee
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
DBS AltitudeNo Annual Fee + MilesS$192.6(waiver)
OCBC VoyageFlexible MilesS$488.0
SC VIOverseas SpendingS$588.5
CIMB WorldCashback for GolfersS$0.0

Compare the Best Credit Cards with Golfing Privileges by Dollar Value

To help you find the best credit card with golfing privileges, we have prepared a chart below organizing credit cards by 2-year dollar value. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like travel perks whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards with golfing privileges compare to one another in terms of their rewards
Best Credit Cards with Golfing Privileges By Estimated 2-Year Dollar Value

How Much Does It Cost To Play Golf?

Golf club memberships used to be seen as a type of investment but these days, it has become more of a lifestyle purchase. Membership at open market prices are definitely not cheap, typically starting in the 6-figure range. For example, a club membership at the more exclusive Sentosa Golf Course costs around $245,000 and one at the Tanah Merah Country Club costs around $175,000. The good news? You don't really need a membership to play if you go to a public golf course, but be prepared that it will be pretty crowded.

If you are new to golf or wants to pick up golfing, you will no doubt need lessons as the sport is not something you can learn on your own. Coaching sessions typically cost between $100 to $300 per session and it is more economical to learn with a friend or two. This fee does not include the rental for your golf clubs, green fees and buggy rides. Green fees depend on the club, but to give you an indicative price, an 18-hole game for the weekend at Keppel Club costs $320 net with buggy rental included.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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