The Best Travel Credit Cards in Singapore (2024/2025) - Updated
Photo: Unsplash/ @christiannkoepke
Travel enthusiasts and savvy shoppers alike often turn to travel credit cards to maximize rewards, save on foreign currency transactions, and enjoy exclusive perks. With numerous options in Singapore, finding the best card to suit your needs can feel overwhelming. Whether you're a frequent flyer, an avid shopper, or someone looking for the best exchange rates, this guide compares the top five travel credit cards in Singapore in 2024.
Why Choose a Travel Credit Card?
Travel credit cards are designed to offer benefits like air miles, cashback on overseas spending, and travel insurance. For frequent travelers, these cards can offset costs associated with flights, accommodation, and shopping while offering convenience and security abroad.
1. Citi PremierMiles Card
Key Features:
Earn Rates:
1.2 miles per S$1 spent locally.
2.2 miles per S$1 on foreign currency spending.
Bonuses: Up to 10 miles per S$1 on selected hotel and flight bookings.
Additional Perks:
Two complimentary visits annually to Priority Pass lounges.
Ideal For:
Frequent flyers who value a straightforward way to accumulate miles and access premium travel benefits.
Pros:
High mileage for foreign spending.
Broad range of airline partners for miles redemption.
Lounge access adds comfort to your travel experience.
Cons:
High annual fee (S$196.20) unless waived.
Redemption rates can be complex for beginners.
2. DBS Altitude Visa Signature Card
Key Features:
Earn Rates:
1.2 miles per S$1 on local spending.
2 miles per S$1 for overseas purchases.
Bonuses: Double miles for online flight and hotel bookings.
Additional Perks:
Complimentary travel insurance.
Flexible miles redemption via DBS Travel Marketplace.
Ideal For:
Travelers who want flexible redemption options for air tickets, hotels, or even cashback.
Pros:
Low minimum spend for competitive earn rates.
Versatile redemption choices.
Cons:
Annual fee (S$192.60) only waived for high spenders.
Limited travel perks compared to premium cards.
3. UOB PRVI Miles Visa Card
Key Features:
Earn Rates:
3 miles per S$1 on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
2.4 miles per S$1 for foreign transactions.
Bonuses: Up to 6.6 miles per S$1 on selected hotel and flight bookings.
Additional Perks:
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Four complimentary lounge visits for principal cardholders.
Ideal For:
Big spenders who frequently travel or shop overseas.
Pros:
Highest mileage accrual for overseas spending.
Cons:
High annual fee (S$261.60).
Rewards heavily depend on frequent overseas usage.
4. AMEX KrisFlyer Credit Card
Key Features:
Earn Rates:
1.1 miles per S$1 locally.
2 miles per S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop. purchases, with no cap.
Additional Perks:
Up to S$1 million Travel Inconvenience and Travel Accident Benefits.
No conversion fee for all KrisFlyer miles earned.
Ideal For:
Loyal Singapore Airlines travellers seeking to maximize KrisFlyer miles.
Pros:
Tailored perks for Singapore Airlines flyers.
Straightforward miles conversion.
Cons:
Limited benefits for non-KrisFlyer users.
Fewer redemption partners compared to other cards.
5. HSBC TravelOne Card
Key Features:
Earn Rates:
1.2 miles per S$1 on local spending.
2.4 miles per S$1 for overseas purchases.
Bonuses: Instant reward redemption with selected airline and hotel partners via HSBC mobile app.
Additional Perks:
Four complimentary lounge visits for principal cardholders and guests of primary cardholders.
Complimentary travel insurance coverage (including Covid-19).
Complimentary access to ENTERTAINER with HSBC app, with over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel.
Ideal For:
Occasional travelers and seamlessly paired with current HSBC policyholders.
Pros:
Excellent rewards for dining, lifestyle and travel with ENTERTAINER app.
Cons:
High annual fee (S$196.20) unless waived.
Recommendations
Best for Overseas Spending & Shopping:
UOB PRVI Miles Visa Card
With 2.4 miles per S$1 spent abroad, this card is perfect for high spenders who frequently travel or shop overseas.
Best for Currency Conversion Rates:
Citi PremierMiles Card
Competitive conversion rates combined with generous rewards for hotel and flight bookings make it a top choice.
Conclusion
Choosing the right travel credit card depends on your spending habits and travel goals. Frequent flyers might prefer the Citi PremierMiles or AMEX KrisFlyer cards, while casual travelers may find value in the HSBC TravelOne card. For those prioritizing high mileage, the UOB PRVI Miles card stands out.
Explore the full details of these cards on MoneySmart
