Best Cards for Overseas ATM Withdrawals (Mar 2025)

Last updated on 7 February 2025

Pick a category below to view the best cards


What are the Best Cards in Singapore for Overseas ATM Cash Withdrawals?

Are you still comparing money changer rates and carrying large amounts of cash overseas? Use one of these cards to withdraw only the cash you need (for free) while travelling.

Aside from the convenience and safety factors, these cards give you great exchange rates, in most cases, better than what is offered by the best money changer that you can find.

Additional notes:

  • Always reject any currency conversion by the ATM (i.e. choose to be charged in the local currency, not in SGD)
  • ATMs in some countries charge a fee when withdrawing cash using a foreign-issued card, and there is no way to avoid this. This includes:
    • Thailand: THB 220 per withdrawal
    • Japan Visa cards: JPY 110 fee per withdrawal under JPY 10,000 at Seven Bank, JPY 220 fee if above JPY 10,000
    • Japan Mastercards: Free at Seven Bank
How are these cards chosen and ranked?
These cards are picked and ranked based on how they compare against other cards, based on these key factors:

1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits

Trust
Cashback
Unlimited free withdrawals
• No annual fee, ever
Trust LinkUnlimited free withdrawals
• No annual fee, ever
YouTripFree withdrawals
• No annual fee, ever
• Up to S$400 per calendar month
• 2% fee after exceeding S$400 limit
Citi DebitUnlimited free withdrawals
• No annual fee, ever
• Citibank ATMs only
WiseFree withdrawals
• No annual fee, ever
• Max. 2 withdrawals per calendar month
• Up to S$350 per calendar month
• S$1.50 fee from 3rd withdrawal
• 1.75% fee after exceeding S$350 limit
RevolutFree withdrawals
• No annual fee, ever
• Max. 5 withdrawals per rolling month
• Up to S$350 per rolling month
• 1% fee on weekends and public holidays
• 2% fee after exceeding S$350 limit

💡 Click on the + Card Summary buttons below to view the key details of each card.

Trust Cashback

1% cashback, no FX fees, free overseas ATM withdrawals

🎁 Sign-up bonus

+ Card Summary

Trust Link

No FX fees, free overseas ATM withdrawals

🎁 Sign-up bonus

+ Card Summary

YouTrip

Get great foreign exchange rates and free overseas ATM cash withdrawals

🎁 Sign-up bonus

+ Card Summary

Wise

Get great foreign exchange rates and free overseas ATM cash withdrawals

🎁 Sign-up bonus

+ Card Summary

Citi Debit

Get great rates, unlimited free cash withdrawals from Citibank ATMs

+ Card Summary

Revolut

Get great foreign exchange rates and free overseas ATM cash withdrawals

🎁 Sign-up bonus

+ Card Summary
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