Last updated on 1 April 2026
Did you know that regular Agoda credit card promotions in Singapore offer a 15% to 30% instant discount on hotels worldwide, on top of credit card miles and cashback?
Similar deals from other Online Travel Agencies (OTAs) like Expedia and booking.com are also listed on this page, if available.
Things to note about Agoda credit card promos
- Book through each partner’s dedicated links below
- Agoda rates via these promo links may be marked up (compare against the rates in the plain agoda.com website)
- Signing in to your Agoda account may result in higher rates (compare against the rates without signing in and/or via an incognito window)
- Discounts are applied instantly (excl. taxes/fees)
- Payment has to be made through the OTA; “pay at hotel” room types do not qualify
- Pay with an eligible bank card (where applicable)
- Discount caps apply per booking; split your bookings to get around this
- No registration required
- No minimum spending
- No minimum nights (unless otherwise stated)
Most of these promotions are applicable to debit and credit cardholders of the respective banks.
Don’t have an eligible card? Check out existing sign-up promos to receive cash, miles and other gifts when you apply.
Latest Agoda credit card promos
Although each offer has a “book by” date, there may be limited redemptions available, offered on a first-come, first-served basis. Most of the promos can be enjoyed through the direct links, without an Agoda or Expedia promo code.
Here’s a quick summary of the OTA partnerships offering at least 15% discount on hotel bookings right now:
P.S. Suitesmile earns absolutely nothing from these links. I constantly keep this list updated for my personal travel needs and to help fellow travellers in Singapore save on hotel stays. ✌️
| Booking Link | Instant Discount | Discount Cap (per booking) | Book by |
|---|---|---|---|
| DBS Agoda | 20% | S$50 | 31 May 2026 |
| Citibank Mastercard Expedia | 20% use code: CITI2026 | S$120 | 15 Apr 2026 |
| HSBC Premier Agoda | 20% | S$130 | 31 Aug 2026 |
| Trust Agoda | 18% | S$50 | 31 Dec 2026 |
| OCBC Agoda | 18% | S$40 | 30 Jun 2026 |
| Maybank Agoda | 18% (Malaysia, Indonesia only) | S$40 | 31 Dec 2026 |
| HSBC Expedia | 16% use code: HSBCSG16 | S$55 | 30 Jun 2026 |
| Atome Agoda | 15% | S$30 | 30 Apr 2026 |
Don’t have any eligible cards for the above promos? Consider the following ones, available to Mastercard and/or Visa debit and credit cardholders.
| Visa Infinite Agoda | 33.34% (3-night stays, 4-star & above) | US$150 | 31 Dec 2026 |
| Mastercard World Elite Agoda | 16% (min. US$250) | US$60 | 31 Mar 2027 |
| Mastercard World Agoda | 12% (min. US$200) | US$45 | 31 Mar 2027 |
| Mastercard Agoda | 8% (min. US$150) | US$25 | 31 Mar 2027 |
Eligible hotels
Most non-chain hotels are eligible for these offers. Click here to view the list of hotel brands that are typically excluded from these offers.
If you are looking to book a chain hotel, you can usually receive around 5 to 10% cashback when clicking through shopping portals like ShopBack or TopCashback to the chain’s official website (e.g. ihg.com, marriott.com). Besides, if you hold an elite status with a hotel loyalty program, you can only receive status benefits when booking directly through official booking channels.
What about credit cards with bonus earn rates?
When booking a chain hotel, travellers may also receive bonus earn rates of up to 8 miles per dollar with some Singapore credit cards, through the dedicated links below.
However, these deals should be treated only as a last resort, if you can’t take advantage of other offers shared above. This is due to inflated hotel rates found on these links, and, as frequently shared in Suitesmile Chat, bonus miles may not get credited automatically.
Cardholders should monitor if the bonus miles are awarded correctly and call the bank to “investigate” each transaction; wayyyy too much work for just an okay value, if you ask me.
I only recommend this method for hotels that are excluded from receiving the instant discounts shared above (mostly chain hotels). But also keep in mind that chain hotels are often cheaper when booked directly with the loyalty program; plus, indirect bookings do not get to enjoy loyalty perks and hotel points.
| Booking Link | Earn Rate |
|---|---|
| UOB PRVI Miles Agoda | 8 mpd (excl. Japan hotels) |
| Citi PremierMiles Agoda | 7.2 mpd |
| UOB PRVI Miles Expedia | 8 mpd |
| OCBC 90°N Agoda | 6 mpd (SGD) 7 mpd (FCY) |
How to find eligible hotels
Eligible hotels on Agoda are clearly marked with a “Coupon applicable” label, as shown in the screenshot below. Discounts will be automatically applied in the payment page when you have entered your card details.
On Expedia, there is no easy way to view eligible hotels from the search results, but travellers can check if the hotel is eligible by entering the promo code at the booking page.
Best credit cards for online hotel bookings
It’s great to have over 15% instant discount on hotel bookings, and it’s even better to enjoy high earn rates to stack with the discount.
However, not all banks offer credit cards that come with good earn rates for online hotel bookings in SGD.
Here are your best options:
Earn 4 mpd on online hotel bookings, up to S$1,000 per calendar month. Minimum card spend of S$500 per calendar month required.
More information
Key details of the Maybank XL Rewards Card
Ease of use :
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)
Earn 4 mpd on five bonus categories, up to S$1,000 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparels, departmental stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)
⚠️ Only available to those aged 21 – 39 years
⚠️ Minimum card spend of S$500 per calendar month required for bonus earn rate
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 1-year miles expiry term (no expiry with Maybank’s Rewards Infinite Programme)
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Get 5% cashback on online hotel bookings, up to S$1,600 per calendar month. Minimum card spend of S$500 per calendar month required.
More information
Key details of the Maybank XL Cashback Card
Ease of use :
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)
Get 5% cashback on five bonus categories, up to S$1,600 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparels, departmental stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)
⚠️ Only available to those aged 21 – 39 years
⚠️ Minimum card spend of S$500 per calendar month required for bonus earn rate
⚠️ 0.2% cashback on non-bonus spending
⚠️ 3.25% foreign transaction fee
More information
Key details of the DBS Woman’s World Card
Ease of use :
Minimum annual income: S$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)
Earn 4 mpd on online spending, up to S$1,000 per calendar month
No minimum spending
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 1-year miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 4 mpd on online hotel bookings, up to S$1,000 per calendar month. Travel category must be pre-selected.
More information
Key details of the UOB Lady’s Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)
Earn 4 mpd on 1 chosen bonus category, up to S$1,000 per calendar month
No minimum spending
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Earn 4 mpd on online hotel bookings, up to S$750 per calendar month. Travel category must be pre-selected.
More information
Key details of the UOB Lady’s Solitaire Card
Ease of use :
Minimum annual income: S$120,000
Annual fee: S$414.20 (first year waived; request waiver every year)
Earn 4 mpd on two chosen bonus categories, up to S$750 per calendar month each (total S$1,500)
No minimum spending
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee
Best credit cards from each Singapore bank
Don’t have an eligible card to take advantage of the above offers? Find out the best cards from each bank (not necessarily for hotel bookings):
- Best Citibank credit cards
- Best UOB credit cards
- Best HSBC credit cards
- Best DBS credit cards
- Best Maybank credit cards
- Best Trust credit cards
- Best Standard Chartered credit cards
- Best AMEX credit cards
- Best OCBC credit cards
Can you find rates cheaper than these Bank x OTA deals?
Booking a hotel through one of the above offers gives you the best rates, in most cases. However, sometimes, travellers may find even lower rates elsewhere.
Once you’ve seen a hotel that you like, it’s a good idea to compare the hotel’s discounted rate on other platforms like Google Hotels and Trivago.
These deals are best for busy travellers who want to book their hotels quick, knowing that they would pay close to the lowest possible rates, if not the lowest.
WARNING: Avoid insane Agoda fees
When booking through Agoda, it’s best to:
- Pay immediately at the time of booking
Do NOT “pay later” or “pay at hotel” to avoid insane FX fees/markups of up to 15% - Pay in SGD
Avoid insane FX fees/markups of up to 15% - Bonus: Pay with a Visa card
Mastercards come with a 1% fee, as SGD payments are processed overseas
Read more about Agoda fees here.
Final thoughts
Getting a 15% to 30% discount plus credit card miles/cashback on hotels all year long is fantastic. These deals should be the first that you look at when booking a non-chain hotel. Plus, you can even apply these discounts to some apartments that are also listed on Airbnb.
Getting to apply a discount instantly makes these deals even sweeter, as you don’t have to wait for cashback or miles and pray that the hotel you’ve booked is “eligible”.
