# Compare Travel Credit Cards in Singapore

Whether you want a travel card that earns miles quickly, unlocks luxury perks, or waives annual fees, our tool instantly analyses Singapore's 100+ credit card options to show you which ones can maximise the rewards you earn on your trips and flights.

### Great Maximum Cashback for Stable Budgets

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
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Overall Rewards Rate | 5.22% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

- Annual fee: S$192.60 (first year- waived)
- 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
- Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% 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)
- 0.03% rebate on all spend if no rebate earned for calendar year
- Up to 21.15% savings at Shell and 22.66% at SPC

If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

- Annual fee: S$192.60 (first year- waived)
- 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
- Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% 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)
- 0.03% rebate on all spend if no rebate earned for calendar year
- Up to 21.15% savings at Shell and 22.66% at SPC

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
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Overall Rewards Rate | 5.22% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 4.83% |

Annual Fee | S$180.00 |

Annual Fee Waiver Amount | S$12,000 |

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

- Annual fee: S$180 (3 years fee waiver)
- Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
- Up to S$125 cashback per month with S$800 min spend
- 0.3% rebate all other spend

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

- Annual fee: S$180 (3 years fee waiver)
- Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
- Up to S$125 cashback per month with S$800 min spend
- 0.3% rebate all other spend

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 4.83% |

Annual Fee | S$180.00 |

Annual Fee Waiver Amount | S$12,000 |

### Great High Flat-Rate Cashback for Low Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 3.76% |

Annual Fee | S$80.00 |

Annual Fee Waiver Amount | none |

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

- Annual fee: S$80 (3 years fee waiver)
- Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
- Up to 3.33% on all local and foreign currency spend
- $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

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

- Annual fee: S$80 (3 years fee waiver)
- Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
- Up to 3.33% on all local and foreign currency spend
- $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

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 3.76% |

Annual Fee | S$80.00 |

Annual Fee Waiver Amount | none |

### Great Unlimited Cashback for High Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.67% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend. Best option for affluent spenders with a monthly budget of S$7,000, with this card you can also enjoy 21% fuel savings at Caltex.

- Annual fee waived for two years
- Unlimited 1.5% cashback on all spend
- Caltex petrol discounts up to 21%

Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend. Best option for affluent spenders with a monthly budget of S$7,000, with this card you can also enjoy 21% fuel savings at Caltex.

- Annual fee waived for two years
- Unlimited 1.5% cashback on all spend
- Caltex petrol discounts up to 21%

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.67% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: N/A |
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Overall Rewards Rate | 2.63% |

Annual Fee | S$0.00 |

Annual Fee Waiver Amount | none |

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

- Annual fee: free for life
- 10% cashback on groceries, online shopping, beauty, petcare & cruises
- Unlimited 0.2% cashback on all other retail purchases
- Free travel insurance & global concierge
- CIMB 0% Interest i.Pay Instalment Plan

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

- Annual fee: free for life
- 10% cashback on groceries, online shopping, beauty, petcare & cruises
- Unlimited 0.2% cashback on all other retail purchases
- Free travel insurance & global concierge
- CIMB 0% Interest i.Pay Instalment Plan

Annual Income Needed | Citizen: S$30,000 Foreign: N/A |
---|---|

Overall Rewards Rate | 2.63% |

Annual Fee | S$0.00 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 2.6% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

- Annual fee: S$192.60 (first year- waived)
- 8% cashback on online and mobile contactless spend
- 0.3% cashback on all other spend
- S$600 min spend, S$60 cashback cap
- Southeast Asia’s first bio-sourced card

UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

- Annual fee: S$192.60 (first year- waived)
- 8% cashback on online and mobile contactless spend
- 0.3% cashback on all other spend
- S$600 min spend, S$60 cashback cap
- Southeast Asia’s first bio-sourced card

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 2.6% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

### Best for Getting Cashback on Everyday Purchases

Annual Income Needed | Citizen: S$30,000 Foreign: S$42,000 |
---|---|

Overall Rewards Rate | 2.56% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.

- Annual fee: S$194.40 (first year- waived)
- 8% cashback on groceries
- 6% cashback on dining
- Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
- 0.25% cashback on all other purchases
- Min. monthly spend of S$800 required to earn bonus cashback
- Cashback capped at S$80/month

The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.

- Annual fee: S$194.40 (first year- waived)
- 8% cashback on groceries
- 6% cashback on dining
- Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
- 0.25% cashback on all other purchases
- Min. monthly spend of S$800 required to earn bonus cashback
- Cashback capped at S$80/month

Annual Income Needed | Citizen: S$30,000 Foreign: S$42,000 |
---|---|

Overall Rewards Rate | 2.56% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

### Great Unlimited Cashback for Affluent Local Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 2.41% |

Annual Fee | S$120.00 |

Annual Fee Waiver Amount | S$10,000 |

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, 5% Discount in FCBotiga official store in Camp Nou, and a fee waiver with annual spend above S$10,000.

- Annual fee: S$120
- Unlimited 1.6% rebate on local spend
- 2 Pts (0.8 miles) per S$1 on foreign currency transactions
- 5% Discount in FCBotiga official store in Camp Nou
- Free travel insurance

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, 5% Discount in FCBotiga official store in Camp Nou, and a fee waiver with annual spend above S$10,000.

- Annual fee: S$120
- Unlimited 1.6% rebate on local spend
- 2 Pts (0.8 miles) per S$1 on foreign currency transactions
- 5% Discount in FCBotiga official store in Camp Nou
- Free travel insurance

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
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Overall Rewards Rate | 2.41% |

Annual Fee | S$120.00 |

Annual Fee Waiver Amount | S$10,000 |

Annual Income Needed | Citizen: S$30,000 Foreign: S$45,000 |
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Overall Rewards Rate | 2.41% |

Annual Fee | S$176.55 |

Annual Fee Waiver Amount | none |

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

- Annual fee: S$176.55 (first year- waived)
- 1.1 miles per S$1 local & overseas spend, 2 mi 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

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

- Annual fee: S$176.55 (first year- waived)
- 1.1 miles per S$1 local & overseas spend, 2 mi 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 Income Needed | Citizen: S$30,000 Foreign: S$45,000 |
---|---|

Overall Rewards Rate | 2.41% |

Annual Fee | S$176.55 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.18% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

With monthly rewards capped at 8,000 miles/year, SC Rewards+ Card is a good fit for people with S$250-350/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining.

- Annual fee: S$192.60 (first 2 years - waived)
- 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
- Up to 16% fuel savings with Caltex

With monthly rewards capped at 8,000 miles/year, SC Rewards+ Card is a good fit for people with S$250-350/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining.

- Annual fee: S$192.60 (first 2 years - waived)
- 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
- Up to 16% fuel savings with Caltex

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.18% |

Annual Fee | S$194.40 |

Annual Fee Waiver Amount | none |

Load More

If you want to see a more in-depth analysis of travel credit cards, take a look at our hand-picked list of the best choices in several different categories.

**Best Credit Cards for Miles Overall:**

- DBS Altitude: Earn 5 miles per S$1 spend on online flight & hotel transactions (capped at S$5,000 per month) and overseas spend (at point-of-sale), earn S$1 = 2 miles on overseas spend (online transactions), earn S$1 = 1.2 miles on local spend. All miles earned through this card is via DBS Points and thus will never expire.
- Citi PMV: 45,000 Welcome Citi Miles with S$9,000 spend in 3 mo
- KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel
- UOB PRVI Miles: Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas
- Amex SIA KrisFlyer: Directly earn KrisFlyer miles, S$150 SIA credit
- OCBC 90°N: Unlimited miles and cashback

**Best Miles Credit Cards for Bonus Miles:**

- Amex SIA KrisFlyer Ascend: Elite perks inc. hotel & flight upgrades
- SC Visa Infinite X: Bonus S$6,000 w/ S$200k fund placement

**Best Miles Credit Cards with No Annual Fee:**

- HSBC Revolution: 4 miles per S$1 spent online and on contactless payments
- Maybank Horizon: Market-leading 3.2 miles per S$1 select local spend

**Best Miles Credit Cards for Luxury Perks:**

- Citi Prestige: Unlimited lounge access, bonus hotel nights & more
- SC Visa Infinite: 3 miles per S$1 overseas, rewards for tax-pay
- OCBC Voyage: Flexible miles redemption, boosted rewards for overseas spend

## How Do I Choose the Best Travel Credit Card For Me?

In order to pick the "best" credit card for your travel spending, start by answering three questions:

- Do you want to earn airline miles, rewards points, or direct cashback on your spending?
- Do you want perks such as airport lounge access, limo transfers, or free travel insurance?
- How much are you willing to spend in order to avoid an annual fee (or can you accept paying the fee)?

Your answer to each of these questions will lead into additional choices, such as which airline's miles program to join and what sort of points transfer options you need. Another key factor to think about is the effect of monthly rewards caps on your overall earnings. For example, a bank might cap the points you can earn to 5,000 per month. Even if you're earning 5 points per dollar spent, that means only the first $1,000 of credit card spending will earn any rewards for you.

Because caps can vary based on the category of spend or based on the merchant codes of the companies you pay, you may find that the credit card with the highest upfront rewards rate isn't actually the most valuable choice in your situation. That's why we recommend saving time by using our calculator, which accounts for caps and categories on every card.

## Frequently Asked Questions

The answer depends on the value you want from the card. Some cards like the DBS Altitude Visa help you rack up air miles, while others like Citi Prestige offer unrivaled luxury perks. There are also cards such as HSBC Revolution, which work well for people who want to avoid annual card fees.

Unless you already have a general purpose credit card that earns strong rewards for travel spend, it's often a good strategy to get a separate card for your travel expenses. This is because most travel credit cards come with rewards and perks that are specifically packaged to benefit travel spending.

The best credit card options for global travellers should offer strong rewards for dining and shopping in other countries. Some examples include the HSBC Advance and the UOB PRVI Miles American Express card.

While every airline sets its own rates based on distance and time of year, you typically need at least 40,000 Krisflyer miles in order to cover the cost of a round-trip economy flight from Singapore to other countries in Asia. For economy round trips to other continents, expect to spend 80,000 miles or more.