Best Credit Cards for Overseas Spending 2019

Frequent travellers who like to shop internationally need a credit card that provides high rewards on overseas spending or charges low foreign currency transaction fees. After analysing 100+ credit cards on the market, we feature some of the best credit cards for overseas use.

Best Credit Cards for Overseas Spending
Best for MilesOCBC 90°N4 miles per S$1 overseas & 10,000 annual bonus miles
DBS AltitudeAnnual fee waiver, 2 miles per S$1 overseas, lounge access
UOB PRVI MilesFee-Waiver & 20,000 bonus miles, 2.4 miles per $1 overseas
Higher SpendersHSBC AdvanceUp to 3.5% cashback capped at S$125/month
Citi PrestigeUnltd. lounge access, free hotel nights & more
Best for CashbackMB Family & FriendsRebates in Singapore & Malaysia, low S$500 minimum
UOB OneUp to 5% flat rebate, up to S$300/quarter
ShoppingOCBC Titanium4 miles per S$1 on fashion & merchants like Amazon, Qoo10
Citi Rewards4 miles per S$1 on all online & fashion spend
Golfing PrivilegesMB World & CIMB WorldComplimentary green fees + miles or cashback

Best Air Miles Credit Cards for Overseas Spending

If you’re a frequent traveller, you may want to earn miles for your spend overseas. The following cards offer market-leading rewards rates that will allow you to rapidly accumulate miles when abroad.

Straightforward Travel Card for Rapid Miles Accrual: OCBC 90°N Card

Consider this if you're an overseas traveller looking to rapidly accrue miles without fees or complication, and are willing to forgo perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 10% off Emirates economy & business class

No other credit card on the market–even the priciest of travel cards–currently matches OCBC 90°N Card's overseas rewards rate. Cardholders earn an incredible 4 miles per S$1 spend in foreign currency, along with 4 miles for spend with select airlines (SIA, Air Asia & more) and entertainment merchants (Netflix, Spotify). Even further, booking with AirBnB or travel sites like Agoda earns 8 miles per S$1. Cumulatively, this means consumers can rapidly accrue miles across every point of their vacation journey, from planning and booking to spending abroad.

OCBC 90°N Card also stands out because of its affordability. There are no miles conversions fees, and the already reasonable S$192.6 annual fee is waived the 1st year, and then offset by 10,000 annual renewal miles (worth approx. S$100). It's important to mention, however, that there are no substantial travel perks and that the aforementioned rates are only valid until February 2020. After the promotion, cardholders will earn 1.2 miles per S$1 spend locally and 2.1 miles overseas–which is still quite competitive. Overall, OCBC 90°N Card's current rates make it perfect for people planning to travel this holiday season, though it can certainly continue to provide value to cardholders far beyond the promotional end date.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify & more)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • Up to 14% fuel savings with Caltex, 16% with Esso, 20% with Sinopec
  • No miles redemption fee, miles never expire
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify & more)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • Up to 14% fuel savings with Caltex, 16% with Esso, 20% with Sinopec
  • No miles redemption fee, miles never expire

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:
  • Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia

DBS Altitude Visa Card stands out for offering a relatively accessible fee-waiver, which is rare for many travel cards. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. They also receive free travel insurance, 2 lounge visits/year, and golfing and dining privileges. These rates and perks align with other cards on the market. DBS Altitude Card, however, waives its S$192.6 fee for cardholders who spend S$25,000/year. If you’re able to spend about S$2,100/month, DBS Altitude Card is a great no-fee way to earn miles overseas.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso

Best Travel Card for Rapid Miles Accumulation: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments

If maximising miles for overseas spend is a top priority for you but you’d prefer to avoid the high fees of pricy travel cards, UOB PRVI Miles American Express Card is by far the best option available. Cardholders earn top market rates of 1.4 miles per S$1 local spend, 2.4 miles overseas, and 10 miles with major airlines and hotels–essentially, you’ll rapidly accumulate miles by planning, booking and enjoying your trip abroad, at a faster rate than possible with most competitors.

UOB PRVI Miles Card also stands out because it offers a fee-waiver. If you spend S$50,000/year, you’re exempt from the S$256.8 fee and even receive 20,000 bonus miles (worth S$200). Even if you’re unable to meet this spend level, comparable cards have fees of S$400+, making UOB PRVI Miles Card especially affordable given its rewards rates. Finally, cardholders also enjoy perks like free travel insurance and airport transfers. UOB PRVI Miles Card is an all-around excellent card if your top priority is earning rapid miles without paying a massive fee.

Read Our Full Review

  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • Foreign currency transaction fee: 3.3%
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • Foreign currency transaction fee: 3.3%
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Travel Card for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months

Citi PremierMiles Visa Card is the best card on the market if you want an affordable balance of great rewards rates and luxury travel perks. Cardholders earn a respectable 1.2 miles per S$1 local spend and 2 miles overseas, which aligns with similar cards on the market. However, Citi PMV Card stands out by offering new cardholders 21,000 bonus welcome miles (worth S$210) and 10,000 additional miles (worth S$100) every time they renew their card membership. Annual renewal miles are typically offered only by much pricier cards. In fact, these renewal miles almost completely offset the S$192.6 fee, which is low for miles-earning cards.

Despite the lower fee, cardholders still have access to great perks like free travel insurance and 2 lounge visits per year. Ultimately, Citi PMV Card offers an affordable way to earn from your overseas spend, while enjoying a few bonus perks to make travel comfortable and convenient.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Foreign currency transaction fee: 3.0%
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Foreign currency transaction fee: 3.0%
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Highest Miles Rewards Rate for Overseas Spend: 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
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

There is no better travel card on the market than Standard Chartered Visa Infinite Card if you want to rapidly earn miles for international spend–in fact, it offers the highest rewards rate on the market of 3 miles per S$1 spend overseas. The closest competitors offer just 2.4 miles, while most travel cards offer a much lower 2 miles per S$1. Cardholders also earn high rates locally, at 1.4 miles per S$1. If you’re a frequent traveller, your spend will go furthest with SC Visa Infinite Card.

SC Visa Infinite Card offers far more than rapid miles earning potential, however–it also stands out for its market-leading travel perks. Cardholders enjoy 6 free lounge visits and a 4-hour yacht-hire every year, plus free travel insurance, golfing privileges, and rental privileges with Hertz Asia. New cardmembers even receive 35,000 welcome miles, which offsets the S$588.5 fee (which is high, but clearly reflected in the value of its luxury perks and excellent rewards rates).

Finally, it cannot go unmentioned that SC Visa Infinite is extremely rare in rewarding cardholders for their banking activity. While most cards exclude financial transactions completely, SC Visa Infinite Cardholders can earn on everything from their income tax payments to mortgage loans, fixed deposits, investments and more. Those earning the S$150,000 required to qualify for the card can handily earn S$175+ in annual rewards simply by paying their taxes. Ultimately, SC Visa Infinite Card is by far the absolute best travel card on the market if you’re looking to maximise your earnings from spend overseas.

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)
  • Foreign currency transaction fee: 3.5%
  • 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)
  • Foreign currency transaction fee: 3.5%
  • 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

Best Credit Cards for Overseas Spending for Higher Spenders

Very high spenders may feel constrained by the low caps of typical cashback cards. The following cards offer high–even unlimited–earning potential, including for overseas spend.

Best Rebate Card for Affluent HSBC Banking Customers: HSBC Advance Card

Consider this if you spend at least S$3,500 per month and are open to a bank account with HSBC

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides

While not a travel card in itself, HSBC Advance Card offers HSBC Advance customers an extraordinary 3.5% flat cashback–including on all overseas spend–after reaching a S$2,000 minimum (2.5% if below). This option is especially attractive for higher spenders because earnings are capped at S$125/month, which is one of the highest potential earnings on the market. If you can reliably spend S$3,500/month, you’ll max out rewards and earn S$1,500/year.

It’s important, however, to acknowledge that non-Advance customers earn lower rates. Consumers earn 2.5% rebate after S$2,000 spend (1.5% if below), capped at S$70/month. These rates are less competitive, so we’d definitely recommend checking to see if you qualify for an HSBC Advance banking relationship.

Read Our Full Review

  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Foreign currency transaction fee: 2.8%
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Foreign currency transaction fee: 2.8%
  • Up to 16% fuel savings with Caltex, 14% with Shell

Best Unlimited Cashback Card with Amex Benefits: American Express True Cashback Card

American Express True Cashback Card
American Express True Cashback Card

Consider this if you want unlimited amount of cash rebate and value American Express's services

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Receive S$20 CapitaVoucher for each of 1st 2 supplementary cards

American Express True Cashback Card is one of the best cashback cards on the market for people with high overseas spend, especially when you factor in its incredible promotions. As a baseline, cardholders earn 1.5% unlimited cashback both locally and overseas. However, this rate is boosted to 3% for the 1st 6 months (up to S$150) and currently, foreign currency spend earns 2.5% cashback with no minimum requirement. While consumers may be able to earn higher category rates with other cards, Amex True Cashback offers one of the highest flat overseas rates with no limits to earning potential.

American Express True Cashback Card also offers one of the most comprehensive free travel insurance policies on the market, alongside Amex-specific perks like American Express Selects and True Cashback Card offers. These privileges provide further discounts on dining, lifestyle, and travel spend abroad, making this option definitely worth considering if you're a higher spending who frequently travels.

Read Our Full Review

  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Foreign currency transaction fee: 2.5%
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Foreign currency transaction fee: 2.5%
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC

Best Unlimited Cashback Card for Travellers: CIMB Visa Infinite Card

CIMB Visa Infinite Card
CIMB Visa Infinite Card

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 free return flight from select destination w/ min. S$600 spend/mo for 3mo

CIMB Visa Infinite Card is an incredible cashback card for high-spending travellers–not only does it offer unlimited earning potential, but it’s also free forever, meaning you’ll earn rewards stress and maintenance-free. Cardholders earn 1% unlimited cashback on their spend, boosted to 2% for travel expenses, after a S$2,000 minimum. “Travel” includes spend on hotels, airlines, travel agencies and more, as well as all overseas transactions–both in SGD and in foreign currency.

CIMB Visa Infinite is an excellent card because most unlimited cashback cards have fees and offer just 1.5% flat rebate. Frequent travellers will earn far more with CIMB Visa Infinite, while also enjoying perks like free travel insurance, lounge access, and discounted limo transfers–which again, are not offered by competitor cards. Overall, CIMB Visa Infinite Card is the absolute best way to earn cashback on a high overseas budget.

Read Our Full Review

  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Foreign currency transaction fee: 3.0%
  • 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
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Best Miles Card for Luxury Perks & 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:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

While many travel cards come with perks, very few can parallel the extensive suite of luxury privileges offered by Citi Prestige MasterCard. Cardholders earn unlimited airport lounge access for themselves and a guest, with no minimum spend requirements, airline restrictions or cap on visits. Flying is also made even easier with free airport limousine transfers and complimentary access to JetQuay Quayside 2x/year. Frequent travellers can also enjoy unlimited bonus 4th nights on 3-day hotel bookings worldwide, as well as free travel insurance and golfing privileges throughout SE Asia.

Citi Prestige offers more than market-leading luxury benefits, however. Cardholders also earn top rates of 1.3 miles per S$1 local spend and 2 miles overseas, and receive an incredible 25,000 annual renewal miles (worth S$250). These miles greatly offset the admittedly high S$535 annual fee, which is further offset by an annual bonus of up to 30% based on relationship tenure with Citibank. Ultimately, there is no better way to access extraordinary travel privileges while also rapidly earning miles for overseas spend than with Citi Prestige MasterCard.

Read Our Full Review

  • 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
  • Foreign currency transaction fee: 3.0%
  • 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
  • Foreign currency transaction fee: 3.0%
  • 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

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
  • 4th hotel night free at select hotels

OCBC Voyage Card is a unique travel card that stands out for its flexibility, both in terms of rewards rates and miles redemption. Cardholders earn 2.4 miles per S$1 overseas–which ensures top earnings when abroad–as well as 1.2 miles locally & a boosted 1.6 miles for local dining. This boosted rate isn’t offered by any other cards, and allows you to earn more than just a base rate when you’re at home.

Another benefit of OCBC Voyage Card is that miles can be redeemed with no black-out dates, at any airline, at any time, which is perfect if you have a shifting travel schedule or have little lead time before trips. Conversion fees are also waived (typically S$25/transfer with other cards). While there is a S$488 annual fee, these benefits–plus luxury travel perks like unlimited lounge access, free limo transfers and golfing privileges–provide extraordinary value for many travellers. If you’re looking for a flexible miles card to reward overseas spend, OCBC Voyage Card is an excellent option.

Read Our Full Review

  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Foreign currency transaction fee: 3.0%
  • 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, 2.4 miles overseas
  • Foreign currency transaction fee: 3.0%
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Cashback Credit Cards for Overseas Spending

While many may associate travel cards with earning on overseas spend, there are several excellent cashback options that deliver excellent rates for both local and overseas spend.

Best Rebate Card for Spend in Singapore & Malaysia: Maybank Friends & Family MasterCard

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you’re a frequent traveller between Singapore and Malaysia, Maybank Family & Friends Card is the card for you. Cardholders earn 5% rebate on dining, groceries, transport, petrol, data communications/online TV streaming (& more) in both countries after just S$500 minimum spend–one of the lowest requirements on the market. Most cards offer just 0.3% cashback at this spend level, making it an excellent option for lower spenders. Those who spend S$800/month can access a boosted 8% rebate, which is also higher than competitors, which offer 3.33% cashback at most for this spend level.

Rebates are incredibly flexible within the two countries, with no merchant restrictions and a lofty earnings cap of S$80/month. And, in addition to the high rates for low minimum spend requirements, Maybank F&F Card is also an excellent option for lower spenders because the S$180.0 fee is waived 3 years, then with each S$12,000 annual spend. Perhaps the best part is that S$1,000/month spend not only achieves the waiver, but also maxes out rewards potential, earning S$960/year. Ultimately, there’s no better way to maximise earnings if you spend time in both Singapore and Malaysia.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Foreign currency transaction fee: 2.5%
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Foreign currency transaction fee: 2.5%
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Highest Flat Rebate Card for Local & Overseas Spend: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account

Making the most of your overseas spend doesn’t necessarily mean adding another card to your wallet; UOB One Card offers up to 5% flat rebate on all spend, locally and overseas. Cardholders who spend S$2,000/month can earn up to S$300/quarter–or S$1,200/year–which is one of the highest potentials earnings on the market. Lower spend earns 3.33%, up to S$50 or S$100/quarter (depending on minimum spend level).

Because UOB One Card offers a flat rebate, everything counts towards reaching the minimum and is eligible for rebates–food, transport, recurring bills, foreign currency transactions and more. As a result, this is a great option for shifting budgets, and an easy way to earn without tracking categories or merchants. Ultimately, UOB One Card is the best flat rebate card for earning rewards for all spend, locally and overseas.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • Foreign currency transaction fee: 2.8%
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • Foreign currency transaction fee: 2.8%
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best Cashback Card for Global Food & Petrol: Citi Cash Back Card

Consider this if you spend mostly on food and petrol

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Citi Cash Back Card is a great option if you spend a great deal on food and petrol, locally and overseas. Cardholders earn 8% cashback on dining, groceries, and petrol after a S$888 minimum spend. In other words, whether you’re cooking at home and driving to work, or in a new city and trying exotic restaurants, Citi Cash Back Card ensures you’ll earn at top rates. Finally, the S$192.6 fee is waived the 1st year. Overall, Citi Cash Back Card is a great option if you want to earn top cashback both locally and overseas in key spend categories.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Foreign currency transaction fee: 3.0%
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Foreign currency transaction fee: 3.0%
  • Up to 20.88% fuel savings at Esso & Shell

Best Cashback Card for Travel, Transport & Wellness: CIMB Platinum MasterCard

CIMB Platinum Mastercard
CIMB Platinum Mastercard

Consider this if you want a specialised rebate credit card for health, transport and dining

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo

CIMB Platinum MasterCard is the absolute best no-fee cashback card for spend on transport and overseas travel. Cardholders earn 10% cashback on transport (buses, trains, taxis, private hires & more) and petrol, as well as on travel spend in foreign currency–which ultimately means you’ll earn top rates both planning your trip and getting around while you’re there. Other categories earning at this rewards rate include global medical, dining, and transactions with select electronics and furnishings vendors.

Overall, CIMB Platinum MasterCard is excellent for overseas spend because if offers no-fee, maintenance-free cashback for planning your trip, travelling, and even treating yourself to dinner abroad. You’ll earn up to S$100/month, or S$1,200/year, without ever having to worry about extra costs or merchant limitations.

Read Our Full Review

  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • Foreign currency transaction fee: 3.0%
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • Foreign currency transaction fee: 3.0%
  • CIMB 0% Interest i.Pay Instalment Plan

Best Credit Cards for Shopping Overseas

An ideal shopping card rewards spend online, offline, locally and overseas. The following cards provide this flexibility, with a few extra perks that make them stand out from competitors.

Best Shopping Card for Retail: OCBC Titanium Rewards Credit Card

Consider this if you want to accrue miles from your shopping purchases

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card is an exceptional rewards card for shopping retail worldwide, and comes with the added bonus of a fee-waiver. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, electronics, and at department stores–as well as with a variety of retail merchants. With partners ranging from Amazon and Alibaba to Lazada, IKEA, Qoo10 (& many more), cardholders can earn for spend on everything from appliances to beauty products. Competitor cards lack such a merchant network, and limit rewards just to fashion.

Another differentiating feature is that while competitors don’t offer a fee waiver, OCBC Titanium Card waives its S$192.6 fee with just S$10,000 annual spend. Ultimately, if you’re looking to earn all all retail shopping worldwide, OCBC Titanium Card is the best option for you.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Foreign currency transaction fee: 3.0%
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Foreign currency transaction fee: 3.0%
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Miles Card for Fashion & Online Shopping: Citi Rewards Card

Consider this if you want to maximise miles rewards on shopping expenses

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Receive 30,000 bonus points (12,000 miles) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

Citi Rewards Card offers an excellent way to earn on online & fashion spend, both locally and overseas. Cardholders earn 10 points (4 miles) per S$1 spend on online transactions (including on food & grocery delivery and ride-hailing services) as well as on shoes, clothing and bags–including at department stores (which are sometimes excluded by other shopper cards). Cardholders also don’t need to pay the S$192.6 fee the 1st year. Overall, Citi Rewards Card offers a flexible way to earn on online & fashion spend.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. food & grocery delivery, ride-hailing services)
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. food & grocery delivery, ride-hailing services)
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Cashback for Online Overseas Spend: Standard Chartered SingPost Spree

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

Standard Chartered SingPost Spree Card is great for people with budgets of S$300 to S$500/month who aren’t able to meet the minimum spend requirements of most cashback cards. Cardholders earn 3% cashback on foreign online and vPost transactions, 2% on local online and contactless payments, and 1% on general spend–all with no minimum spend requirement. Most alternatives offer just 0.3% cashback for spend below S$500. SC SingPost Spree Card also offers discounts on packaging and shipping. Altogether, it’s a great option for those with smaller budgets who shop with overseas merchants.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Foreign currency transaction fee: 3.5%
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Foreign currency transaction fee: 3.5%
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex

Cashback for Dining & Overseas: Standard Chartered Rewards+ Card

Consider this if you want a credit card for dining & foreign currency or overseas spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you spend S$250 to S$350/month on dining or overseas, Standard Chartered Rewards+ Card is a great option to earn elevated rates without minimum spend requirements. Cardholders earn 2.9 miles per S$1 overseas and 1.45 miles on dining, which equals about 2.9% and 1.45% cashback, respectively. Very low spend levels typically earn base rates of about 0.3% cashback, so those with small budgets are a great fit for this card. Spend at higher levels is best suited for alternative cards with higher rates, however, because earnings are capped at a low 8,000 miles/year. Also, the card has a S$192.6 fee, though it’s waived the 1st year. Ultimately, SC Rewards+ Card is an excellent option for overseas and dining for those with small budgets.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Foreign currency transaction fee: 3.5%
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Foreign currency transaction fee: 3.5%
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex

Best Credit Cards with Golfing Privileges for Overseas Use

The top cards on the market for avid golfers provide excellent privileges worldwide as well as rewards for overseas spend.

Best Miles Card with Global Golfing Privileges: 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 free American Tourister Luggage w/ S$400 monthly spend for 2mo

If you’re an avid golfer, Maybank World MasterCard is the absolute best card on the market for both earning miles and enjoying privileges at fairways worldwide. Cardholders receive 2 free green fees per month at 120 courses across 25 countries–triple the number of courses offered by the closest competitor. In addition, cardholders enjoy perks like free travel insurance and airport lounge access, adding comfort and convenience to trips abroad.

Maybank World MasterCard also offers 10 points (4 miles) per S$1 spend with select dining and retail merchants, and a total of S$24,000 annual spend earns exemption from the S$240.0 fee. Ultimately, Maybank World MasterCard offers the most comprehensive set of golfing privileges, plus rewards for retail spend and a potential fee-waiver.

Read Our Full Review

  • 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
  • Foreign currency transaction fee: 2.8%
  • 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
  • Foreign currency transaction fee: 2.8%
  • 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 in SE Asia: CIMB World MasterCard

CIMB World Mastercard
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 free return flight from select destination w/ min. S$600 spend/mo for 3mo

CIMB World MasterCard is an exceptional no-fee cashback card for affluent golfers and those who spend on international leisure. Cardholders receive complimentary green fees at 40 fairways across 7 countries in SE Asia, up to 4 flights per course per year. In addition, cardholders enjoy free travel insurance and airport lounge access.

However, what makes CIMB World MasterCard especially stand out is its unlimited 1.5% rewards rate on general spend–which allows for uncapped earning potential–and boosted 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol and spend at duty-free stores. Affluent cardholders can earn from all of their spend, locally and overseas, without worrying about caps or restrictions. Even better, CIMB World MasterCard is free forever. Consumers with high spend on leisure who enjoy golfing throughout SE Asia can easily maximise rewards and earn cashback maintenance-free with CIMB World MasterCard.

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
  • Foreign currency transaction fee: 3.0%
  • Complimentary green fees at 40 fairways in SE 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
  • Foreign currency transaction fee: 3.0%
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences

Cashback for Overseas Beauty & Wellness: CIMB Visa Signature Card

CIMB Visa Signature
CIMB Visa Signature

Consider this if you want a no-fee credit card for beauty, online fashion & more

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A

If you’re interested in no-fee cashback for overseas beauty and wellness spend, you may be interested in CIMB Visa Signature Card. Not only is this card free forever, it also has some of the top rewards rates on the market, including 10% cashback on groceries, online fashion, beauty & wellness, petcare, and cruises after an S$800 minimum spend.

One of the best features of CIMB Visa Signature Card is that you’ll earn on category spend both locally and abroad, which means you can streamline your wallet and still maximise earnings no matter where you are. Rewards are capped at S$100/month, which is one of the highest potential earnings on the market–another reason to consider this card. Finally, CIMB Visa Signature offers free travel insurance and comes with a global concierge service, allowing you to earn top cashback overseas with added convenience.

Read Our Full Review

  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Foreign currency transaction fee: 3.0%
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan

Summary of Best Credit Cards for Overseas Spending 2019

Below, we've prepared a summary of our picks for the best credit cards for overseas use in 2019.

CardBest for...Annual Fee
OCBC 90°NEasy-to-Redeem MilesS$192.6
DBS AltitudeMiles + No Annual FeeS$192.6 (waiver)
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
UOB OneBest Flat RebateS$192.6
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
CardBest for...Annual Fee
OCBC 90°NEasy-to-Redeem MilesS$192.6
DBS AltitudeMiles + No Annual FeeS$192.6 (waiver)
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
UOB OneBest Flat RebateS$192.6
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Maybank WorldAir Miles for GolfersS$240.0 (waiver)

Compare the Best Overseas Use Credit Cards by Dollar Value

To help you find the best credit card for overseas spending, 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 complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards for overseas spending compare to one another in terms of their rewards
Best Credit Cards for Overseas Spending By Estimated 2-Year Dollar Value
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.

Comments and Questions