Best Travel Insurance Offers by Credit Cards in Singapore 2021

Travel insurance can be very important to frequent travellers worried about flight and baggage delays or even accidents overseas. Fortunately, several of Singapore's most competitive rewards credit cards come with free travel insurance, often with up to S$1 million in coverage. Considering factors ranging from how many people are eligible for coverage under the plan to the max value for luggage claims & more, we've identified and reviewed below the best cards with free travel insurance on the market.

Best Travel Insurance Offers by Credit Cards
Best for MilesCiti PremierMilesUp to 21,000 welcome & 10,000 renewal miles
KrisFlyer UOBUp to 3mi/S$1 on global dining, transport & more
Amex SIA KFStraightforward KF miles, S$150 SIA credit
No-Fee MilesDBS AltitudeFee-waiver & perks like lounge access
MB HorizonMarket-leading 3.2 mi/S$1 select local spend
Luxury PerksCiti PrestigeUnlimited lounge access, free hotel nights & more
Best for CashbackOCBC 365Rebates on essentials with easy fee-waiver
Citi Cash BackUp to 8% rebate on food & petrol
CIMB V InfiniteUnlimited cashback
High SpendersUnlimited Cards1%–2% unlimited cashback with extra perks
HSBC AdvanceUp to 3.5% cashback capped at S$300/month
Golfing PrivilegesMB WorldComplimentary green fees + miles

Best Air Miles Credit Cards with Travel Insurance

If you’re a frequent traveller, chances are you could benefit from free travel insurance. The following miles credit cards offer great rewards rates as well as top-notch travel insurance plans.

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

Use our link to get the latest promotion from SingSaver & Citi!
Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks
  • Pros
    • Frequent traveler perks
    • Low fees
    • Flexible miles redemption
    • Cons
      • Lacks luxury perks
      • Not suitable for occasional travel
      Promotions:
      • Click on our link to get the latest promotion from SingSaver & Citi!

      If you’re looking for an affordable travel card with great rewards rates and perks, Citi PremierMiles Card is one of the best options out there. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, and also receive 2 free lounge visits/year.

      Another great benefit is free travel insurance. Citi PM Card’s plan stands out for a few reasons. First, it’s S$1,000,000 personal accident coverage is complemented by S$40,000 coverage for emergency medical expenses–which aren’t covered by most competitor plans. In addition, cardholders receive S$500 in compensation when their trip is interrupted by 5+ days of overseas hospitalization. Other benefits include S$500/article of lost baggage (S$1,000 cap) and S$500 compensation for flight and baggage delays of at least 8 hrs.

      Citi PM Card also stands out by offering 21,000 welcome miles (worth S$210) and 10,000 annual renewal miles (worth S$100). These bonus miles easily offset the S$192.6 fee, which is already waived 1 year. Travel cards with similar benefits tend to have fees of S$250+. Overall, Citi PremierMiles Card is the best option if you want great miles rates & perks without the massive annual fee.

      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
      • Miles earned never expire
      • 2 free lounge visits & free travel insurance
      • 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
      • Miles earned never expire
      • 2 free lounge visits & free travel insurance

      Top Miles for Young SIA Loyalists: KrisFlyer UOB Credit Card

      PROMO: GET 3,000 KRISFLYER MILES + s$300 CASH CREDIT CREDIT
      Consider this if you're a young SIA loyalist who travels on a budget
      • Pros
        • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
        • Up to 3 mi on dining, transport, online shopping & travel
        • Expedited KF Elite Silver status, Scoot privileges
        • 10,000 annual bonus renewal miles
        • Cons
          • Just 1.2 mi on non-category overseas spend
          • No lounge access perks
          • No spend-based fee-waiver
          Promotions:
          • Receive 3,000 KrisFlyer miles + upto S$300 of cash credit

          If you're a young adult who prefers to fly with SIA and typically travels on a budget, consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend and 3 miles for transactions with SIA brands (SIA, Scoot, SilkAir and KrisShop). Those who spend at least S$500 with SIA within a year receive a boosted 3 miles per S$1 on global dining & online food delivery, transport (including public transit), online fashion & travel bookings. These categories are a great match for typical young adult spending patterns.

          In terms of travel, KF UOB Card offers Scoot privileges (priority check-in & boarding, baggage allowance upgrades, free standard seat selection, booking flexibility waivers), S$15 ChangiWiFi and Grab vouchers, a S$20 rebate with KrisShop and–for slightly higher spenders–an expedited membership upgrade to KrisFlyer Elite Silver status with S$5k annual SIA spend. KF UOB Card also provides cardholders with free travel insurance: up to S$500k for accidental death or disablement and $500k for emergency medical evacuation and repatriation. Insurance applies to the cardmember only. Finally, cardholders enjoy 10,000 annual bonus miles (worth about S$100) which offset the S$192.6 annual fee. This makes KrisFlyer UOB one of the best and most affordable options for young adults who travel on a budget, as long as they're willing to commit to flying with SIA.

          Read Our Full Review

          • Annual fee: S$192.6, 1-year waiver
          • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
          • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
          • 1.2 mi/S$1 on general spend
          • 10,000 annual renewal miles
          • Free travel insurance
          • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
          • Annual fee: S$192.6, 1-year waiver
          • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
          • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
          • 1.2 mi/S$1 on general spend
          • 10,000 annual renewal miles
          • Free travel insurance
          • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more

          Beginner Miles for SIA Loyalists: American Express Singapore Airlines KrisFlyer Card

          PROMO: GET S$20 CAPITAVOUCHERS
          Consider this if you want to earn hassle-free miles and fly mostly on Singapore Airlines' various brands
          • Pros
            • Easy-to-use miles card
            • No conversions & transfer fees
            • Great rewards with Singapore Airlines
            • Cons
              • Not easy to maximise miles
              • Lacks airline/travel rewards aside from SIA
              Promotions:
              • New cardmembers get S$20 CapitaVouchers when you apply via MyInfo (until Sep 30, 2021)

              American Express Singapore Airlines KrisFlyer Card is an excellent option for beginners looking to earn miles. Cardholders receive 1.1 miles per S$1 spend (2 miles overseas in June & December), 2 miles with SIA brands, and 3.1 miles on Grab transactions. Miles are earned directly as KrisFlyer Miles, so there are no complicated transfers or conversion fees.

              Amex SIA KF Card also offers free travel insurance with up to S$350,000 protection for primary & supplementary cardmembers, as well as for their legally married spouse. This plan also covers travel inconveniences. Cardmembers and family members each receive S$200 for missed flight connections (family cap at S$400), luggage delays for 6hr+ (family cap at S$400), and luggage missing for 48hr+ (family cap at S$1,000). Beyond travel insurance, cardholders also enjoy Hertz Gold Plus Rewards and American Express Selects dining privileges.

              It’s also worth mentioning that Amex SIA KF Card has a relatively low annual fee of just S$176.55, which is waived the 1st year. Not only is it one of the most affordable travel cards on the market, it’s also a great option if you want to quickly earn hassle-free miles.

              Read Our Full Review

              • Annual fee: S$176.55, 1-year waiver
              • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
              • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
              • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
              • Free travel insurance
              • Hertz Gold Plus Rewards & Amex Selects Privileges
              • Annual fee: S$176.55, 1-year waiver
              • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
              • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
              • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
              • Free travel insurance
              • Hertz Gold Plus Rewards & Amex Selects Privileges

              Best Miles Card for Exclusive Travel Memberships: American Express Singapore Airlines KrisFlyer Ascend Card

              PROMO: GET FREE 1NIGHT STAY AT SOFITEL SENTOSA HOTEL
              Consider this if you prioritise luxury perks like flight & hotel membership upgrades
              • Pros
                • Luxury travel perks
                • Great rewards with Singapore Airlines
                • Elite travel memberships
                • Cons
                  • Not suitable for high overseas spend
                  • High annual fee
                  Promotions:
                  • Receive 1 Night Stay in Luxury Room at Sofitel Sentosa Hotel (Room only, no breakfast) and additional 10,000 bonus miles with min spend of S$5,000 within first 3 months of card approval (until Sep 30, 2021)

                  American Express Singapore Airlines KrisFlyer Ascend Card not only offers competitive rates and unique travel perks, it also provides comprehensive free travel insurance for the primary cardholder, their spouse, and children up to 23 years old. To begin with, cardholders earn 1.2 miles/S$1 general spend, 2 miles with SIA brands and overseas in June & December, and 3.2 miles on Grab transactions. Perks include access to exclusive hotel and flight membership upgrades, including Hilton Honors Silver and KrisFlyer Elite Gold statuses. Finally, cardholders also enjoy 4 free lounge visits and 1 free hotel night per year, all for just S$337.05 in annual fees.

                  Another perk, of course, is free travel insurance. Cardmembers are eligible for up to S$1,000,000 in accident coverage, which also extends to their spouse and children. Even more, Amex SIA KF Ascend Card also comes with inconvenience coverage, providing families with up to S$400 for baggage delays of 6+ hours and up to S$1,000 for longer delays (48hrs+). Overall, this is one of the better free travel insurance plans on the market. If you're interested in membership upgrades and want to feel secure when you travel, Amex SIA Ascend Card is worth considering.

                  Read Our Full Review

                  • Annual fee: S$337.05
                  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
                  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
                  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
                  • 4 free lounge visits/year, free annual hotel night, travel insurance
                  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
                  • Annual fee: S$337.05
                  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
                  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
                  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
                  • 4 free lounge visits/year, free annual hotel night, travel insurance
                  • Access to Hilton Honors Silver & Krisflyer Elite Gold status

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

                  PROMO: GET S$150 CASH CREDIT
                  Consider this if you want to maximise mile rewards without paying an extravagant annual fee
                  • Pros
                    • Great for rapid miles accrual
                    • Awards high spend on airlines & hotels
                    • No-fee card
                    • Cons
                      • Doesn't fit infrequent travellers with mostly local budgets
                      • Lacks luxury perks & privileges
                      Promotions:
                      • Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Sept 30, 2021)

                      UOB PRVI Miles American Express Card is the absolute best travel card on the market if you want to rapidly accumulate miles and potentially avoid an annual fee. Cardholders earn market-leading rates of 1.4 miles per S$1 locally, 2.4 miles overseas, and 6 miles with major airlines & hotels. In addition, those who spend S$50,000/year (about S$4,200/month), are exempt from the S$256.8 fee–and even receive 20,000 bonus miles (worth S$200). Cards with comparable rates have fees of S$450+.

                      UOB PRVI Miles Card also comes with a few perks. Cardholders and their legally married spouse receive up to S$1,000,000 in personal accident coverage, and cardmembers enjoy travel inconvenience coverage: up to S$200 for delayed flight connections (at least 4 hrs), S$200 for delayed baggage (at least 6 hrs), and S$400 for lost luggage. In addition to travel insurance, cardholders receive up to 8 free airport transfers/year. Ultimately, UOB PRVI Miles Card is the best card on the market if you want to rapidly earn miles without high card fees.

                      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, 6 miles at major airlines & airports
                      • 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, 6 miles at major airlines & airports
                      • 8 free limo transfers & free travel insurance
                      • UOB PRVI Travel Butler & Amex Essentials

                      Upfront Miles for Affluent Travellers: Standard Chartered Visa Infinite X Card

                      PROMO: GET 30,000 MILES AT SIGN-UP
                      Standard Chartered Visa Infinite X Credit Card
                      Standard Chartered Visa Infinite X Credit Card
                      Consider this if you have S$300k+ on hand that you can readily invest
                      • Pros
                        • Earn up to 300,000 bonus welcome miles
                        • Earn 2 miles/S$1 spend overseas
                        • Special privileges with elite hotels
                        • Cons
                          • Bonus miles limited to affluent consumers
                          • Very high & unwaivable S$695.5 annual fee
                          • Lower rewards rates than other lux. cards
                          Promotions:
                          • New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)

                          Standard Chartered Visa Infinite X Card is a great option for wealthy travellers who want a large amount of miles upfront and who can readily invest S$300k+. Cardholders who place this amount in fresh funds in a SC Priority Banking account receive an incredible 100,000 bonus KrisFlyer miles–that's worth about S$10k when redeemed for business class air tickets. Placing $800k is rewarded with 150,000 miles and Priority Private Banking customers who place S$1.5m receive 300,000 miles. These bonuses, if unlocked, easily offset the S$695.5 annual fee.

                          Cardholders can also enjoy 1.2 miles per S$1 local spend and 2 miles overseas, plus travel perks like 2 free lounge visits/year, hotel privileges, discounted green fees & more. Amongst these perks, consumers also receive complimentary travel insurance through Allianz with up to S$1m in coverage. Ultimately, SC Visa Infinite X Card is a match for very affluent individuals seeking upfront miles, and provides the basic benefits essential to a comfortable flight experience.

                          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

                          Best Travel Cards with Insurance & Easy Fee-Waivers

                          Miles-earning credit cards don't always need to have high annual fees. The following options come with both free travel insurance and easy fee-waivers.

                          No-Fee Card for Affordable Travel Perks: DBS Altitude Visa Card

                          PROMO: USE CODE SEPFLASH FOR S$300 CASHBACK
                          Consider this if you want a good miles credit card with an easily waived annual fee
                          • Pros
                            • Great for online travel bookings
                            • No an annual fee
                            • Cons
                              • Those willing to pay an annual fee for more bonus miles
                              • Affluent travellers who are willing to pay a high fee for luxury travel perks
                              Promotions:
                              • Apply with code SEPFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Sep 20, 2021)

                              DBS Altitude Visa Card is a great option if you’re an average spender looking for no-fee miles and travel perks. Cardholders receive 1.2 miles per S$1 locally, 2 miles overseas, and 3 miles for online travel bookings; miles never expire. In addition, cardholders enjoy perks like 2 free lounge visits/year and golfing & dining privileges. Another great perk is free travel insurance. Cardholders and their legal partner each receive up to S$1,000,000 personal accident coverage (though the aggregate coverage is capped at S$1,000,000).

                              DBS Altitude Card also comes with a fee waiver. After S$25,000 annual spend, cardholders are exempt from the S$192.6 fee. This makes DBS Altitude Card one of the most affordable travel cards on the market. Overall, if you want great perks without the high price, this may be the card for you.

                              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 Card for Earning Miles Locally: Maybank Horizon Visa Signature Card

                              Consider this if you want to maximise miles earned on dining and petrol
                              • Pros
                                • High spend on local dining & transport
                                • Great for local spend and miles rewards on travel
                                • 3 years fee waiver
                                • Cons
                                  • Doesn't reward overseas spend
                                  • Few travel perks & privileges
                                  • Lacks in rewards for essentials (ie groceries)
                                  Promotions:

                                  If you want to maximise miles earned even when you’re at home, consider Maybank Horizon Visa Signature Card, which has the market’s highest miles rewards rate for local spend. Cardholders earn 3.2 miles per S$1 on local dining, petrol, Grab & taxis, and hotel bookings with Agoda. Most travel cards offer just 1.2–1.4 miles per S$1 local spend. Overseas spend also earns at the very respectable rate of 2 miles per S$1 on air tickets, travel packages and foreign currency transactions.

                                  As a cardmember, you’ll also receive free travel insurance. The cardholder and their married spouse are both entitled to up to S$1,000,000 personal accident coverage, plus up to S$200 for flight misconnections & baggage delays, S$500 for lost luggage. Other perks include airport lounge access, with 1 free visit per S$1,000 retail transaction.

                                  Maybank Horizon Card also stands out for its fee-waiver. Cardholders who spend S$18,000/year (S$1,500/month) are exempt from the S$180.0 fee–which is already waived the first 3 years. Ultimately, if you want to earn no-fee miles for local spend while enjoying extra perks when you travel, this is the card for you.

                                  Read Our Full Review

                                  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
                                  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
                                  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
                                  • Up to 17.2% fuel savings on petrol in Singapore
                                  • Access to airport lounges & free travel insurance
                                  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
                                  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
                                  • Up to 17.2% fuel savings on petrol in Singapore
                                  • Access to airport lounges & free travel insurance

                                  Best No-Fee Miles Card for Local Social Spenders: HSBC Revolution Card

                                  Consider this if you spend mostly on shopping, dining and entertainment
                                  • Pros
                                    • Great rewards on local dining and entertainment
                                    • Online shopping perks
                                    • No-fee card
                                    • Cons
                                      • Lacks rewards for frequent travellers who spend large amounts overseas
                                      • Not suitable for low budgets
                                      Promotions:

                                      While not a traditional card, HSBC Revolution Card allows cardholders to earn miles quickly and easily for social & online spend. Cardholders earn 2 miles per S$1 on local dining & entertainment, as well as for online shopping–including everything from travel bookings to paying bills. Most cards exclude such payments from earning rewards.

                                      In addition, cardholders receive free travel insurance. Cardholders and their family members–legal spouse, parents, parents-in-law, siblings & children–are entitled to coverage up to S$300,000 for personal accidents (capped at S$15,000,000 for a single accident). While some plans offer higher individual coverage, HSBC Revolution Card offers far more comprehensive coverage across a family.

                                      Cardholders & family also receive impressive inconvenience coverage: S$700 for flight delays, S$300 each for missed connections (up to S$600/trip), S$300 each for delayed luggage (up to S$600/trip), and S$750 each for lost luggage (up to S$1,500/trip). Cardholders can even receive up to S$3,000 each for trip cancellations due to death or illness (up S$6,000/trip). Very few cards extend such comprehensive inconvenience coverage to families, and even fewer cover trip cancellations.

                                      Finally, HSBC Revolution Card even comes with a fee-waiver. With S$12,500 annual spend, cardholders are exempt from the S$160.5 fee. Overall, HSBC Revolution Card is a perfect match if you want no-fee miles for local & online spend, with the additional comfort of a travel insurance plan that covers your entire family.

                                      Read Our Full Review

                                      • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
                                      • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
                                      • Online rate includes travel bookings, recurring bills & transit payments
                                      • No minimum spend requirement
                                      • Up to 20.2% fuel savings with Caltex, 14% with Shell
                                      • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
                                      • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
                                      • Online rate includes travel bookings, recurring bills & transit payments
                                      • No minimum spend requirement
                                      • Up to 20.2% fuel savings with Caltex, 14% with Shell

                                      Best Air Miles Credit Cards for Luxury Travel Perks

                                      In the section below, we detail the best travel cards for high rewards rates & luxury perks–including free travel insurance.

                                      Best Miles Card for Luxury Travel Perks & Privileges: Citi Prestige MasterCard

                                      Use our link to get the latest promotion from SingSaver & Citi!
                                      Consider this if you want special travel perks like free hotel nights and unlimited lounge access
                                      • Pros
                                        • Great luxury benefits
                                        • Ideal for higher budgets
                                        • Great golfing and travel perks
                                        • Cons
                                          • Very high annual fees
                                          • Unsuitable for moderate budgets
                                          Promotions:
                                          • Click on our link to get the latest promotion from SingSaver & Citi!

                                          Citi Prestige MasterCard not only offers market-leading rewards rates, it also provides extraordinary travel perks. Cardholders earn 1.3 miles per S$1 locally and 2.4 miles overseas, and receive unlimited lounge access, JetQuay access, free limo transfers, bonus 4th hotel nights, golfing privileges & more.

                                          Cardholders also receive free travel insurance. Within the plan, primary & supplementary cardholders and their accompanying spouse receive up to S$1,000,000 personal accident coverage and S$50,000 in emergency medical expense coverage. Cardholders also receive S$100 per 8hr flight delay (up to S$400/person, S$800/family), S$200 per 8hr baggage delay (up to S$400/person, S$800/family), and S$500/article of lost baggage (up to S$1,000/person, S$2,000/family). In all cases, these are some of the highest coverage amounts offered by credit cards across the market.

                                          Finally, while Citi Prestige Card has a S$535 fee, it’s offset by 25,000 annual renewal miles (worth S$250) as well as an annual bonus of up to 30% based on tenure of Citibank relationship. Ultimately, this card is an excellent option if you prioritise luxury perks like unlimited lounge access and top-notch travel insurance.

                                          Read Our Full Review

                                          • Annual fee: S$535
                                          • 1.3 miles per S$1 local spend, 2.4 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, 2.4 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

                                          Best Travel Card for Flexible Miles Redemption: OCBC Voyage Card

                                          Consider this if you want flexible miles redemption and dine out frequently
                                          • Pros
                                            • 2.2 miles per S$1 overseas and dining spend
                                            • 1.3 miles per S$1 local general
                                            • 15,000 annual bonus renewal miles (worth S$150)
                                            • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                            • Up to 19% fuel savings with Caltex
                                            • Cons
                                              • High S$488 annual fee (no waiver)
                                              • Recurring bills ineligible for rewards
                                              • Access to limo transfers requires S$3,000 minimum spend
                                              Promotions:

                                              OCBC Voyage Card is by far the best miles card for people with shifting travel schedules. Unlike alternatives, OCBC Voyage Card offers 1.2 miles per S$1 with a boosted 1.6 miles for local dining–the highest local rate across travel cards. Additionally, overseas spend earns a competitive 2.3 miles per S$1, allowing for rapid miles accumulation no matter where you are.

                                              OCBC Voyage Card also stands out for its flexibility in miles redemption–there are no black-out dates, processing time is minimal, and conversion fees are waived. Additional perks include unlimited lounge access, regional golfing privileges, and free limo transfers.

                                              Cardholders also receive free travel insurance with up to S$1,500,000 personal accident coverage–the highest on the market–and S$35,500 in medical expense coverage. These benefits apply to primary and supplementary cardholders, but not to spouses or family. In terms of travel inconvenience, flight delays/missed connections (4hrs+) & baggage delay (6hrs+) are each covered to S$200, and lost baggage (48hrs+) is covered up to S$400. Ultimately, OCBC Voyage Card is an excellent option if you want flexible miles redemption paired with luxury perks.

                                              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 Cashback Credit Cards with Travel Insurance

                                              Even if you prefer cashback to miles, there are several great cards that offer free travel insurance plans; continue reading for details.

                                              Best Flat Rebate Card for Stable Spenders: UOB One Card

                                              PROMO: GET S$150 CASH CREDIT
                                              Consider this if you want to maximise your cash rebate and spend about S$2,000 per month
                                              • Pros
                                                • Good fit for budgets of at least S$2,000 per month
                                                • Easy cashback on daily spend
                                                • Gives rebates for paying bills
                                                • Cons
                                                  • Doesn't fit high budgets or low/inconsistent budgets
                                                  • Annual fee
                                                  Promotions:
                                                  • Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Sept 30, 2021)

                                                  UOB One Card is the best flat rebate card on the market for consistent spenders. Consumers with a reliable S$2,000/month budget earn 5% on all general transactions up to S$300/quarter. This rate is boosted to 10% on Grab and select UOB Travel spend and 6% on recurring utilities bills. Lower or inconsistent spend earns 3.33% up to S$50 or S$100/quarter, depending on minimum spend level.

                                                  What’s especially great about UOB One Card is that cardholders also have access to UOB SMART$ Programme, which offers added rebates up to 10% with select merchants. This spend ‘double counts’–first towards the minimum requirement, and then towards earning SMART$, which can be used to offset future purchases.

                                                  Finally, UOB One Card also comes with free travel insurance, with S$500,000 personal accident coverage for the cardmember only. Overall, UOB One Card offers one of the highest flat rates on the market with the benefit of an added rebate network–it’s the best option for maximising cashback for those spending S$2,000/month, and even comes with basic travel insurance.

                                                  Read Our Full Review

                                                  • Annual fee: S$192.6, 1-year waiver
                                                  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
                                                  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
                                                  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
                                                  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
                                                  • UOB SMART$ Rebate Programm
                                                  • Annual fee: S$192.6, 1-year waiver
                                                  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
                                                  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
                                                  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
                                                  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
                                                  • UOB SMART$ Rebate Programm

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

                                                  Consider this if you spend a lot of time in both Singapore and Malaysia
                                                  • Pros
                                                    • Good for budgets of S$800/month
                                                    • Awards 8% cashback on 5 categories of your choice
                                                    • 3 year annual fee waiver
                                                    • Great to use in Singapore, Malaysia, Indonesia and the Philippines
                                                    • Cons
                                                      • Merchant restrictions
                                                      • Lacks miles & travel perks
                                                      Promotions:

                                                      If you spend a great deal of your time and budget in Singapore & Malaysia, Maybank Family & Friends Card is a great option for maximising your cashback. Cardholders earn 5% rebate on fast food & food delivery, groceries, transport, petrol, data communications/online TV streaming (& more) in both countries, after just S$500 minimum spend. After S$800 spend, cardholders earn 8%–at this spend level, most cards offer 3.33% cashback at most. Even better, there are no merchant restrictions and rewards are capped at a lofty S$80/month.

                                                      Cardholders also receive free travel insurance. Specifically, cardmembers and their spouse each receive up to S$300,000 personal accident coverage, plus S$100 for flight misconnections & for bag delays (S$200 family cap each) and S$300 for lost luggage (S$600 family cap). This plan is fairly comprehensive for a cashback card, and can provide added comfort if you fly frequently.

                                                      Finally, Maybank Family & Friends Card offers an easy fee-waiver. The S$180.0 fee is waived with S$12,000 annual spend–just S$1,000/month. At this rate, cardholders will also max out their rewards potential, earning S$960/year. If you spend at this level and want to earn rebates regionally, this is an excellent card to consider, especially if having travel insurance is a priority for you.

                                                      Read Our Full Review

                                                      • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
                                                      • Up to 8% rebate on fast food & food delivery, 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
                                                      • 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 fast food & food delivery, 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
                                                      • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

                                                      Best No-Fee Rebate Card for Everyday Essentials: OCBC 365 Card

                                                      Consider this if you are looking for a credit card for general day-to-day use
                                                      • Pros
                                                        • 6% rebate on dining, 3% on groceries, transport, recurring bills, online travel
                                                        • Fee waiver with S$10,000 annual spend
                                                        • Up to 22.1% fuel savings at Caltex, 20.2% at Esso
                                                        • Cons
                                                          • 0.3% rebate on general spend
                                                          • 0.3% rebate on EZ-Link & Transitlink is capped at S$0.6/month
                                                          • High S$800 minimum spend requirement
                                                          Promotions:

                                                          OCBC 365 Card is the best no-fee rebate card for everyday essentials on the market, and is perfect for people spending for families. Cardholders earn 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bookings and recurring bills–all without merchant restrictions. Cardholders are also eligible for a fee-waiver with just S$10,000 annual spend, or about S$833/month. Seeing as there’s a S$800 minimum, this seems quite reasonable for most cardholders. Also, consumers can earn up to S$80/month, which is especially great if you’re exempt from the fee.

                                                          OCBC 365 Card also comes with a travel insurance plan, though it’s fairly simple. Primary and supplementary cardmembers (family is not included) receive up to S$200,000 in personal accident coverage and S$500 in overseas medical reimbursement. Very few cashback cards come with plans with medical coverage, so this is rather unique. As for travel inconveniences, cardmembers receive up to S$200 for flight delays & missed connections (4hrs+) and for baggage delays (6hrs+), and up to S$400 for lost luggage. Ultimately, OCBC 365 Card is the best option if you want to earn rebates on daily spend while avoiding a fee and enjoying free travel insurance.

                                                          Read Our Full Review

                                                          • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
                                                          • 6% rebate on dining & online food delivery
                                                          • 3% rebate on groceries, land transport, recurring bills & online travel
                                                          • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
                                                          • Free travel insurance, Visa Signature Privileges
                                                          • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
                                                          • 6% rebate on dining & online food delivery
                                                          • 3% rebate on groceries, land transport, recurring bills & online travel
                                                          • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
                                                          • Free travel insurance, Visa Signature Privileges

                                                          Best Cashback Card for Food & Transport: Citi Cash Back Card

                                                          Use our link to get the latest promotion from SingSaver & Citi!
                                                          Consider this if you spend mostly on food and transportation
                                                          • Pros
                                                            • Great dining and groceries rewards
                                                            • High petrol discounts
                                                            • Cons
                                                              • Lacks shopping and entertainment rewards
                                                              • Not suitable for lower budgets
                                                              Promotions:
                                                              • Click on our link to get the latest promotion from SingSaver & Citi!

                                                              If you spend quite a bit on food and transport–both locally and overseas–Citi Cash Back Card may be the best option for you. Cardholders earn an impressive 8% cashback on dining, groceries, Grab and petrol worldwide after S$888 minimum spend. Rewards are capped at S$100/month–one of the highest earning potentials on the market.

                                                              Citi Cash Back Card also comes with free travel insurance, which covers the cardmember and their spouse, as long as the spouse is also a Citi cardmember. Insured individuals receive up to S$1,000,000 personal accident and S$40,000 emergency medical expense coverage–some of the highest amounts on the market. Cardholders are also covered for flight & baggage delay (up to S$500 each) and baggage loss (S$500/article, up to S$1,000). As rather unique features, cardmembers are also covered up to S$500 for trip interruptions (5+ days of overseas hospitalization) and cancellations. Overall, Citi Cash Back Card is a great cashback option for travellers who want to earn on food & transport even as they travel.

                                                              Read Our Full Review

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

                                                              Best No-Fee Cashback Card for Low Spenders: Maybank Platinum Visa Card

                                                              Consider this if you spend S$300 to S$500 per month
                                                              • Pros
                                                                • Great starter card for young adults
                                                                • Good fit for budgets between S$300 and S$500/month
                                                                • S$80 annual fee
                                                                • Cons
                                                                  • Few extra perks
                                                                  • Doesn't award specialised spend (ie dining, shopping)
                                                                  Promotions:

                                                                  Maybank Platinum Visa Card is one of the best rebate cards on the market for lower spenders, and even comes with free travel insurance. Cardholders spending just S$300/month locally earn S$30/quarter, up to S$120/year. Most cashback cards offer base rates of 0.3% at this spend level, which would add up to just S$3.6/year. If you have a larger budget and spend S$1,000/month, you’ll earn S$100/quarter as well.

                                                                  Maybank Platinum Visa Card’s travel insurance is very impressive for a no-fee cashback card. It offers both cardmembers and their spouse up to S$500,000 personal accident coverage–this is one of the highest coverage amounts available to spouses through cashback card plans. Cardmembers and their spouses also each receive up to S$200 for flight misconnections and luggage delays (S$400 family cap) and S$500 for lost luggage (S$1,000 family cap).

                                                                  Cardholders can also benefit from Maybank Platinum Visa Card’s easy fee-waiver. The S$20.0 quarterly fee is waived for 3 years, and thereafter, simply with card use. There are few options as affordable to lower spenders that also offer rewards rates this high–and, if you’re also looking for travel insurance, Maybank Platinum Visa Card is the best option for you.

                                                                  Read Our Full Review

                                                                  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
                                                                  • S$30 quarterly rebate with at least S$300 monthly spend
                                                                  • S$100 quarterly rebate with at least S$1,000 monthly spend
                                                                  • Free travel insurance
                                                                  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
                                                                  • S$30 quarterly rebate with at least S$300 monthly spend
                                                                  • S$100 quarterly rebate with at least S$1,000 monthly spend
                                                                  • Free travel insurance

                                                                  Best Cashback Cards with Travel Insurance for High Spenders

                                                                  Very high spenders often feel limited by earnings caps. The following cards have the highest earning potentials on the market, and even come with free travel insurance.

                                                                  Highest Unlimited Flat Cashback Rate: Citi Cash Back+ Card

                                                                  Use our link to get the latest promotion from SingSaver & Citi!
                                                                  Consider this if you want top cashback wherever you spend without limits on earnings
                                                                  • Pros
                                                                    • Affluent consumers spending S$7k+/mo
                                                                    • People interested in an easy-to-use flat rate card
                                                                    • Those looking to avoid spend requirements or rewards caps
                                                                    • Cons
                                                                      • Average or lower spenders looking to maximise rewards
                                                                      • Those with specialised spend (i.e. dining, shopping)
                                                                      • Consumer looking to avoid an annual fee
                                                                      Promotions:
                                                                      • Click on our link to get the latest promotion from SingSaver & Citi!

                                                                      If you're a high spender seeking a straightforward card that rewards all spend, without any additional hassles or limitations, Citi Cash Back+ Card could be the right fit for you. Cardholders earn 1.6% unlimited rebate both locally and overseas, which is slightly higher than the 1.5% standard for similar cards. There are no minimum spend requirements and because there are no earning caps, high spenders with budgets of S$7k+/month can earn more with Citi Cash Back+ than with even the best capped alternatives. The S$192.6 annual fee is even waived the 1st year, making it easy for cardholders to maximise cash back without having to worry about limits, categories, or added costs. Finally, as with most Citi cards, consumers also have access to free travel insurance through AIG with up to S$1m coverage per person.

                                                                      Read Our Full Review

                                                                      • Annual fee: S$192.6, waived for 1 year
                                                                      • Unlimited 1.6% rebate on all spend
                                                                      • No minimum spend requirements
                                                                      • Annual fee: S$192.6, waived for 1 year
                                                                      • Unlimited 1.6% rebate on all spend
                                                                      • No minimum spend requirements

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

                                                                      PROMO: RECEIVE S$80 CAPITA VOUCHERS
                                                                      Consider this if you want unlimited amount of cash rebate and value American Express's services
                                                                      • Pros
                                                                        • Great Amex perks
                                                                        • Straightforward, easy-to-use card
                                                                        • Cons
                                                                          • Not suitable for lower budgets
                                                                          • Rewards general spend only
                                                                          Promotions:
                                                                          • New cardmembers receive S$20 CapitaVoucher upon 1st transaction within 1st month of card approval. Spend S$500 within first month of card approval and receive S$80 CapitaVoucher (until Sep 30, 2021)

                                                                          American Express True Cashback Card is the absolute best unlimited cashback card for high spenders interested in Amex benefits. Cardholders receive 1.5% cashback on all spend with no limit, boosted to 3% during the first 6 months (up to S$150). Few unlimited cards offer such a lucrative welcome deal.

                                                                          Amex True Cashback Card also comes with great benefits–including free travel insurance. Primary and supplementary cardholders, as well as their legal spouse, receive up to S$350,000 each in personal accident coverage. Cardmembers and spouses also receive up to S$200 each for missed connections (4hrs+) and for luggage delay (6hrs+), each capped at S$400/family, and S$500 for lost luggage (48hrs+), capped at S$1,000/family. Beyond travel insurance, cardholders also have access to American Express Selects dining privileges, Global Assist and concierge, and Amex True Cashback card-specific promotions. Overall, if you’re an Amex loyalist seeking unlimited rewards, this is the card for you.

                                                                          Read Our Full Review

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

                                                                          Best Unlimited Cashback Card for Local Spenders: Maybank FC Barcelona Visa Signature Card

                                                                          Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee
                                                                          • Pros
                                                                            • Affluent consumers spending S$6,500+/month
                                                                            • High spenders with mostly local budgets
                                                                            • Football fans–especially of FC Barcelona
                                                                            • Cons
                                                                              • Frequent travellers with high overseas spend
                                                                              • People spending less than S$5,000/month
                                                                              • Consumers who prioritise travel perks & privileges
                                                                              Promotions:

                                                                              Maybank FC Barcelona Visa Signature Card offers the highest unlimited cashback rate for local spend on the market. Cardholders earn 1.6% cashback locally (v. 1–1.5% with competitors). Overseas spend earns 2 pts per S$1 (0.8 miles, or about 0.8% rebate), so this card is best fit for primarily local spenders.

                                                                              Even so, Maybank FC Barcelona Card offers a great travel insurance plan. Cardmembers and their spouse receive S$300,000 personal accident coverage each, plus S$100 for flight misconnections and for luggage delays (S$200 family cap) and S$300 each for lost luggage (S$600 family cap). Beyond travel insurance, cardholders also receive discounts up to 10% off FC Barcelona official stores.

                                                                              Finally, Maybank FC Barcelona Card stands out for it’s fee-waiver. In fact, it’s one of the only unlimited cards that offer an exemption. Cardholders spending just S$10,000/year (S$1,000/month) do not have to pay the S$120.0 fee–which is already comparably low. Overall, if you’re a local spender that feels limited by typical cashback caps, Maybank FC Barcelona Card offers the best no-fee way to maximise cashback.

                                                                              Read Our Full Review

                                                                              • Annual fee: S$120.0, waived with S$10,000 annual spend
                                                                              • Unlimited 1.6% rebate on local spend
                                                                              • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
                                                                              • Up to 10% discount at FC Barcelona official stores
                                                                              • Free travel insurance
                                                                              • Annual fee: S$120.0, waived with S$10,000 annual spend
                                                                              • Unlimited 1.6% rebate on local spend
                                                                              • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
                                                                              • Up to 10% discount at FC Barcelona official stores
                                                                              • Free travel insurance

                                                                              Best Cashback for Social High Spenders: CIMB World MasterCard

                                                                              Use our link to get the latest promotion from CIMB!
                                                                              Consider this if you want a free credit card that rewards leisure spend
                                                                              • Pros
                                                                                • Great fit for big leisure budgets
                                                                                • Rewards dining, entertainment and duty free shopping
                                                                                • Perks for avid golfers
                                                                                • No-fee & maintenance free cashback card
                                                                                • Cons
                                                                                  • Lack cashback on essentials (ie groceries, bills)
                                                                                  • Doesn't reward airline & hotel spend
                                                                                  • Doesn't fit monthly budgets of S$3,000/month and below
                                                                                  Promotions:
                                                                                  • Click on our link to get the latest promotion from CIMB!

                                                                                  If you’re social high spender and want to earn cashback on leisure spend, CIMB World MasterCard is one of the best cards on the market, and even comes with free travel insurance. Cardholders earn 1% unlimited cashback on all spend–which is slightly lower than other unlimited cards–but rewards are boosted to an impressive 2% rebate for wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods. As for perks, cardholders receive free 50% off green fees at fairways across Asia and lounge access via MasterCard Airport Experiences & LoungeKey.

                                                                                  Cardholders also receive free travel insurance. This plan offers personal accident coverage up to S$1,000,000 for cardholders and S$500,000 for spouses. In terms of travel inconvenience, cardholders and spouses both receive up to S$300 for trip misconnections, S$100/6hrs flight delay and baggage delay (each capped at S$300), and up to S$300 each for lost luggage. Overall, CIMB World MasterCard is the best cashback card for social high spenders, especially if you also travel–and, it’s free forever.

                                                                                  Read Our Full Review

                                                                                  • Annual fee: Free
                                                                                  • Unlimited 2% cashback on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods
                                                                                  • Unlimited 1% 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 (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods
                                                                                  • Unlimited 1% cashback on all other spend
                                                                                  • 50% off green fees at select fairways in Asia
                                                                                  • Free travel insurance, access to MasterCard Airport Experiences

                                                                                  Best Cashback Card for Affluent Advance 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
                                                                                  • Pros
                                                                                    • Great fit for budgets between S$2,000 and S$8,000/month
                                                                                    • Easy, low-maintenance cashback
                                                                                    • Cons
                                                                                      • Not suitable for average or below-average spend
                                                                                      • Lacks travel perks
                                                                                      • Doesn't fit highly specialised spend behaviors
                                                                                      Promotions:

                                                                                      HSBC Advance Card is one of the best flat rebate cards on the market for higher spenders with no minimum spend requirements. With a recent update to the HSBC Advance Credit Card cashback programme, all customers regardless of whether they have an HSBC Advance banking relationship or not can earn the same cashback for their spend. Base cashback is at 1.5% for S$2,000 and below, and 2.5% for spend above S$2,000 with cashback capped at S$70 per month.

                                                                                      Customers can also earn an additional 1% bonus cashback when they deposit a minimum of S$2,000 per month in fresh funds and charge five transactions to their HSBC Advance Credit Card monthly. When these qualifying criteria are met, you can earn a total cashback of 3.5% with a monthly cap of S$300, which is S$3,600 savings per year – the highest earning potential for a capped card on the market!

                                                                                      In addition, all cardholders, their legal spouse, parents, parents-in-law, siblings and children receive complimentary travel insurance coverage up to S$500,000 for simply charging their travel expenses to the HSBC Advance credit card. Few plans offer such comprehensive family coverage. Additionally, cardholders and family receive up to S$500 (capped) for flight delays, S$300 (S$600 family cap) for missed flight connections, up to S$200 for luggage delays, and S$500 (S$1,000 family cap) for loss of luggage. Trip cancellations due to death or illness are covered up to S$2,000 (S$4,000 family cap)–one of the highest amounts on the market.

                                                                                      Overall, HSBC Advance Card is not only an excellent rebate card for high spenders, it also offers one of the best travel insurance plans amongst cashback cards. If you’re open to an HSBC Advance account, this card may be the best option for you.

                                                                                      Read Our Full Review

                                                                                      • Annual fee: S$192.60 (first year- waived)
                                                                                      • 2.5% base cashback on purchases of S$2,000 and above
                                                                                      • 1% bonus cashback when deposit min S$2,000 per month
                                                                                      • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
                                                                                      • Visa Concierge and e-Commerce purchase protection
                                                                                      • Annual fee: S$192.60 (first year- waived)
                                                                                      • 2.5% base cashback on purchases of S$2,000 and above
                                                                                      • 1% bonus cashback when deposit min S$2,000 per month
                                                                                      • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
                                                                                      • Visa Concierge and e-Commerce purchase protection

                                                                                      Best Unlimited Cashback Card for Travellers: CIMB Visa Infinite Card

                                                                                      Use our link to get the latest promotion from CIMB!
                                                                                      Consider this if you want a no fee cashback card for travelling
                                                                                      • Pros
                                                                                        • Best fit for monthly budgets above S$2,000
                                                                                        • Unlimited 2% cashback on travel, overseas and online
                                                                                        • No annual fee credit card
                                                                                        • Cons
                                                                                          • Not suitable for spenders with local budgets
                                                                                          • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
                                                                                          Promotions:
                                                                                          • Click on our link to get the latest promotion from CIMB!

                                                                                          If you’re a high-spending traveller who loves golf & prefers cashback to miles, you may want to consider CIMB Visa Infinite Card. Cardholders earn 1% unlimited cashback on general spend, and after a S$2,000 minimum, receive an unlimited 2% on travel (airlines, hotels, travel agencies & more) and overseas spend (in SGD and in foreign currency). Many unlimited cards just offer 1.5% flat rebate, so if you’re looking to avoid earnings caps and travel often, CIMB Visa Infinite Card offers the best way to quickly maximise cashback.

                                                                                          Another benefit of CIMB Visa Infinite Card is that while it’s a cashback card, it offers great perks typically associated with travel cards. Cardholders receive free travel insurance with up to S$1,000,000 personal accident coverage for members, S$500,000 for legal spouses, and S$25,000 each for overseas medical expense reimbursement. No cashback card offers such high medical expense coverage. In terms of travel inconvenience, cardholders and spouses each receive up to S$200 for trip misconnections, S$100 for every 6hrs of flight delay & for bag delay (up to S$500 for flight, S$600 for bags), and S$1,000 each for baggage loss. Trip cancellations due to death, injury, civil unrest, natural disasters or jury service are covered up to S$1,000 each–again, a rare coverage area for cashback card plans.

                                                                                          CIMB Visa Infinite Card also offers lounge access and discounted limo transfers. Even better, there’s never an annual fee–travel cards with such perks often charge S$250+. Ultimately, CIMB Visa Infinite Card is the absolute best card on the market for high-spending travellers who prefer cashback to miles.

                                                                                          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
                                                                                          • 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
                                                                                          • Free travel insurance, 3x lounge access, discounted limo transfers
                                                                                          • CIMB 0% Interest i.Pay Instalment Plan

                                                                                          Best Credit Cards with Travel Insurance for Golfing Privileges

                                                                                          The following cards offer the greatest golfing privileges on the market, and even come with perks like free travel insurance.

                                                                                          Best Miles Card for Golfing Privileges: Maybank World MasterCard

                                                                                          Consider this if you are an avid golfer who travels frequently to golf clubs worldwide
                                                                                          • Pros
                                                                                            • Great perks for golfers who enjoy local and global courses
                                                                                            • Good fit for budgets between S$1,000 to S$2,000 monthly
                                                                                            • Awards dining and high-end retail shopping
                                                                                            • Cons
                                                                                              • Not a good fit for non-golfers or infrequent golfers
                                                                                              • Doesn't reward everyday spend
                                                                                              • Lacks travel perks and privileges
                                                                                              Promotions:

                                                                                              Maybank World MasterCard is the absolute best miles-earning card for avid golfers. First of all, cardholders receive 2 free green fees/month at 120 fairways across 25 countries. This is 3x the number of fairways offered by the closest competitor. Additionally, cardholders receive free travel insurance and airport lounge access.

                                                                                              To add detail, Maybank World MasterCard’s travel insurance offers cardmembers and their spouse up to S$1,000,000 personal accident coverage each, as well as up to S$200 each for flight misconnections & for luggage delays (S$400 family cap for each) and S$500 each for lost luggage (S$1,000 family cap).

                                                                                              Beyond its perks and privileges, Maybank World MasterCard also offers cardholders the chance for earn 10 pts (4 miles) per S$1 spend with select dining & luxury retail merchants. If spend reaches S$24,000/year (including supplementary cardmembers’ spend), the S$240.0 annual fee is waived. Overall, Maybank World MasterCard offers the most comprehensive golf privileges on the market, and is the best card for golfers looking to earn miles.

                                                                                              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
                                                                                              • 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 Online & Shopping Credit Cards with Travel Insurance

                                                                                              Some credit cards that are great for online and shopping spend also offer free travel insurance. We’ve found and described the best options below.

                                                                                              Best Rebate Card for Social Weekend Spenders: UOB YOLO Card

                                                                                              PROMO: GET S$300 CASH CREDIT
                                                                                              Consider this if you are a young adult looking for discounts and perks on dining, entertainment and travel spending
                                                                                              • Pros
                                                                                                • Easy to use cashback card
                                                                                                • Annual fee waived with 3 transactions per month
                                                                                                • Great for budgets of at least S$600/month
                                                                                                • Rewards all online and mobile spend
                                                                                                • Cons
                                                                                                  • Lacks cashback on essentials (ie groceries, bills)
                                                                                                  • Cashback capped at S$60/mo
                                                                                                  Promotions:
                                                                                                  • Receive S$300 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until Sept 30, 2021)

                                                                                                  UOB YOLO Card is an excellent card for young adults with high social spend on weekends. After S$600 minimum spend, cardholders earn up to 8% rebate on dining, entertainment, Grab and select UOB Travel on weekends (3% weekdays) and 3% on online fashion & travel, up to S$60 in earnings each month. Cardmembers also enjoy specialised promotions like 1-to-1 dining & drinking deals, nightclub privileges, and discounts at cinemas.

                                                                                                  UOB YOLO Card is also one of the few cards oriented towards young adults that offers free travel insurance. Cardmembers receive S$500,000 personal accident coverage. While this plan is rather simple, competitor cards do not offer travel insurance at all. Ultimately, if you’re a social weekend spender but also want coverage when you travel, UOB YOLO Card is the best option.

                                                                                                  Read Our Full Review

                                                                                                  • Annual fee: S$192.6, 1-year waiver
                                                                                                  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
                                                                                                  • 3% cashback on online fashion & travel
                                                                                                  • Free travel insurance
                                                                                                  • Annual fee: S$192.6, 1-year waiver
                                                                                                  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
                                                                                                  • 3% cashback on online fashion & travel
                                                                                                  • Free travel insurance

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

                                                                                                  Use our link to get the latest promotion from SingSaver & Citi!
                                                                                                  Consider this if you want to maximise miles rewards on shopping expenses
                                                                                                  • Pros
                                                                                                    • Great for online & offline shopping
                                                                                                    • Beneficial for frequent travellers
                                                                                                    • Cons
                                                                                                      • Higher card fees
                                                                                                      • Limited rewards categories
                                                                                                      Promotions:
                                                                                                      • Click on our link to get the latest promotion from SingSaver & Citi!

                                                                                                      Citi Rewards Card is one of the most flexible miles-earning cards for spend online and on fashion retail. Cardholders earn 10 points (4 miles) per S$1 spend on online transactions (including food & grocery delivery and ride-hailing services) as well as on clothing, bags, shoes, and similar items. Cardholders earn for purchases made both locally and overseas. This makes it extremely easy to earn rewards for all online & fashion spend.

                                                                                                      Citi Rewards Card also stands out from competitors because it offers free travel insurance–most shopper cards do not. With Citi Rewards Card, cardmembers receive S$1,000,000 personal accident coverage & S$40,000 medical expense reimbursement; spouses can receive the same coverage if they are supplementary card members or Citi card members themselves. Additionally, flight delays are covered at S$100 per 8hrs (up to S$500), bag delays at S$200 per 8hrs (up to S$500), and baggage loss at S$500/article (up to S$1,000). Overall, this is one of the better plans on the market.

                                                                                                      Ultimately, Citi Rewards Card is simply the best option if you’re a frequent online or fashion shopper and want free travel insurance; no other competitor pairs a free plan with such high rewards rates.

                                                                                                      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)
                                                                                                      • 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)
                                                                                                      • Free travel insurance
                                                                                                      • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
                                                                                                      • Up to 14% fuel savings with Esso & Shell

                                                                                                      Miles for Overseas & Dining: Standard Chartered Rewards+ Card

                                                                                                      Consider this if you want a credit card for dining & foreign currency or overseas spending
                                                                                                      • Pros
                                                                                                        • People with S$250-350/month dining & overseas budget
                                                                                                        • Supplementary card for lower spend areas
                                                                                                        • Cons
                                                                                                          • People seeking to maximise rewards for everyday spend
                                                                                                          • Those with cards that already reward dining & overseas
                                                                                                          • People who spend S$350+/month on dining alone
                                                                                                          Promotions:

                                                                                                          Standard Chartered Rewards+ Card is a great option if you’re a low spender and often fall short of minimum requirements. In fact, cardholders earn 10 pts (2.9 miles) per S$1 spend overseas, 5 pts (1.45 miles) on dining, and 1 pt (0.29 miles) on general spend, with no minimum requirement. In terms of value, most travel cards offer just 1.2–1.4 miles per S$1 local spend, and 2–2.4 miles overseas–which are lower than those offered here. Many cashback cards offer just 0.3% rebate for low spend, also making them less valuable as an alternative.

                                                                                                          However, this card isn’t a great fit for those spending more than S$250–S$350/month on dining & overseas, simply because of the very low earnings caps. Rewards are limited to just 8,000 miles/year–about S$80 value. Higher spenders will be constricted by this cap. Even so, SC Rewards+ Card comes with free travel insurance. Cardmembers receive up to S$500,000 in personal accident coverage. Overall, SC Rewards+ Card is a great option for those with a low dining & overseas budget, and comes with the added perk of free travel insurance.

                                                                                                          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
                                                                                                          • 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
                                                                                                          • Free travel insurance & Fullerton Hotel dining privileges
                                                                                                          • Up to 19.8% fuel savings with Caltex

                                                                                                          No-Fee Cashback Card for Beauty & Online Fashion: CIMB Visa Signature Card

                                                                                                          Use our link to get the latest promotion from CIMB!
                                                                                                          Consider this if you want a no-fee credit card for beauty, online fashion & more
                                                                                                          • Pros
                                                                                                            • Rewards online shopping, groceries and beauty spend
                                                                                                            • Rewards pet spend and cruises
                                                                                                            • No annual fee credit card
                                                                                                            • Cons
                                                                                                              • Lacks discounts on transport & petrol
                                                                                                              • Speciliazed spend
                                                                                                              • Doesn't fit frequent travellers

                                                                                                              CIMB Visa Signature Card is the best no-fee cashback card on the market, with remarkably high rates of 10% cashback on groceries, online fashion retail, beauty & wellness, petcare, and cruises. Cardholders can access these rates after just S$800 minimum spend and can earn up to S$100/month.

                                                                                                              CIMB Visa Signature Card is also one of the few cashback cards that comes with travel insurance. Cardholders and their legal spouse are each entitled to up to S$500,000 in personal accident coverage per trip. The cardholder, but not the spouse, receive up to S$300 for flight delays (6hrs+) & baggage delays (6hrs+), and up to S$500 for loss of luggage. It’s worth mentioning, however, that many exclusions apply to baggage loss–perishables/consumables, luxury pieces like art & jewellery, household effects & more are not covered. However, cardholders also receive up to S$300 for trip cancellations due to injuries, civil unrest in the planned destination, natural disasters at home, and even jury service. Few cards offer such flexible cancellation coverage in their plans.

                                                                                                              Furthermore, CIMB Visa Signature Card is free forever. Essentially, you can earn top rates for food & online spend–and receive great travel insurance–without ever paying a fee. For this reason, CIMB Visa Signature Card is definitely one of the best options for cashback cards on the market, especially if you’re a traveller.

                                                                                                              Read Our Full Review

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

                                                                                                              Best Card for Business Travellers: Standard Chartered Visa Infinite Card

                                                                                                              Use our link to get the latest promotion from SingSaver & SCB!
                                                                                                              Standard Chartered Visa Infinite Credit Card
                                                                                                              Standard Chartered Visa Infinite Credit Card
                                                                                                              Consider this if you travel frequently for business
                                                                                                              • Pros
                                                                                                                • Great rewards for high overseas spend
                                                                                                                • Rewards banking activity
                                                                                                                • Cons
                                                                                                                  • Not suitable for average spenders who mostly buy local essentials
                                                                                                                  • Annual fee
                                                                                                                  Promotions:
                                                                                                                  • Click on our link to get the latest promotion from SingSaver & Standard Chartered!

                                                                                                                  If you travel frequently and have a high overseas budget, look no further than Standard Chartered Visa Infinite Card–not only does it offer the highest overseas rewards rate on the market, it also provides one of the most comprehensive travel insurance plans on the market. Cardholders earn 1.4 miles per S$1 locally and 3 miles overseas, and even earn rewards for their income tax payments (excluded by most other cards).

                                                                                                                  In terms of travel insurance, cardholders & their legal spouse receive S$1,000,000 personal accident coverage up to age 69 (S$500,000 for ages 70+). Cardholders also receive up to S$50,000 coverage for medical expenses, which is one of the highest amounts on the market. Cardmembers & spouses receive S$200 per 6hrs of baggage delay (up to S$1,000) and S$1,000/article of lost baggage (up to S$5,000). Again, these coverage rates lead the market.

                                                                                                                  It’s also worth featuring a unique benefit within SC Visa Infinite Card’s travel insurance plan–coverage for a “compassionate visit.” If the cardholder becomes too ill to return to Singapore and has been hospitalized overseas for 7+ days, and is unaccompanied by family, insurance will cover economy travel costs and hotel expenses for 1 relative to come and visit. The plan offers S$200/day, up to S$5,000 per insured person. Other plans do not offer this benefit, which makes SC Visa Infinite Card stand out all the more.

                                                                                                                  Finally, cardholders also enjoy perks like 6 free lounge visits/year, a free yacht hire, Hertz Asia Privileges and golfing privileges. While there’s a S$588.5 fee, it’s offset by 35,000 welcome miles (worth S$350). Ultimately, SC Visa Infinite Card is the best option for high overseas spenders and offers the absolute best free travel insurance plan on the market.

                                                                                                                  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 offering Travel Insurance 2021

                                                                                                                  Below, we've prepared a summary of our picks for the best credit cards with travel insurance in 2021.

                                                                                                                  CardBest for...Annual Fee
                                                                                                                  UOB PRVI MilesRapid MilesS$256.8 (waiver)
                                                                                                                  Maybank HorizonMiles for Local SpendS$180.0 (waiver)
                                                                                                                  DBS AltitudeMiles + Annual Fee WaiverS$192.6 (waiver)
                                                                                                                  HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
                                                                                                                  OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
                                                                                                                  UOB OneBest Flat RebateS$192.6
                                                                                                                  Amex True CashbackUnlimited + Amex BenefitsS$171.2
                                                                                                                  CardBest for...Annual Fee
                                                                                                                  UOB PRVI MilesRapid MilesS$256.8 (waiver)
                                                                                                                  Maybank HorizonMiles for Local SpendS$180.0 (waiver)
                                                                                                                  DBS AltitudeMiles + Annual Fee WaiverS$192.6 (waiver)
                                                                                                                  HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
                                                                                                                  OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
                                                                                                                  UOB OneBest Flat RebateS$192.6
                                                                                                                  Amex True CashbackUnlimited + Amex BenefitsS$171.2

                                                                                                                  Compare the Best Credit Cards with Free Travel Insurance by Dollar Value

                                                                                                                  To help you find the best credit card with free travel insurance, 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 free travel insurance compare to one another in terms of their rewards
                                                                                                                  Best Credit Cards with Free Travel Insurance By Estimated 2-Year Dollar Value

                                                                                                                  Buying a Travel Insurance vs Getting a Credit Card with Complimentary Insurance

                                                                                                                  To benefit from your credit card's complimentary travel insurance, you have to book your entire trip (especially the flights) on the card that provides this coverage. While this could be sufficient in covering your flight, these insurance policies typically don't provide any more protection. If you are looking for a more thorough coverage for lodging, activity bookings or even sports injuries, you should consider buying a travel insurance policy, which tends to be quite affordable to begin with.

                                                                                                                  Zoryana Melesh

                                                                                                                  Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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