Last updated on 23 March 2026
Pick a category below to view the best cards
Are you still comparing money changer rates and carrying large amounts of cash overseas?
Aside from the convenience and safety factors, these cards give you great exchange rates, in most cases better than the best money changer near you.
Notes and pro tips:
- Always reject any currency conversion by the ATM (i.e. choose to be charged in the local currency, never 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:
- AEON Bank: Free for Mastercard and Visa
- Seven Bank: Free for Mastercard. For Visa cards, JPY 110 fee per withdrawal under JPY 10,000, JPY 220 fee if above JPY 10,000
Best Cards for Overseas ATM Withdrawals
Compare the best cards for overseas ATM withdrawals to carry only the cash you need while travelling.
(Apply with code: V1WB7T8A)
More information
Key details of the Trust Cashback Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$60,000Annual fee: No annual fee, ever
Get 0.5% cashback on foreign transactions
No minimum spending
Uncapped earn rates
No foreign transaction fees
Unlimited fee-free overseas ATM withdrawals (follow these steps)
⚠️ “15% cashback” claim for chosen category is impossible to achieve
⚠️ Low earn rate for local spending (spend with better cashback cards)
(Apply with code: V1WB7T8A)
More information
Key details of the Trust Link Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$60,000Annual fee: No annual fee, ever
No foreign transaction fees
Unlimited fee-free overseas ATM withdrawals
⚠️ “21% cashback” claim for FairPrice spending is impossible to achieve
⚠️ Low earn rate of 0.22% (spend with better cashback cards)
Get free overseas ATM withdrawals, up to S$400 per calendar month.
⚠️ 2% fee upon exceeding the monthly limit
More information
Key details of the YouTrip Card
Ease of use :
Minimum annual income: Nil
Annual fee: No annual fee, ever
Free overseas ATM cash withdrawals, up to S$400 per calendar month
No minimum spending
No foreign transaction fees
⚠️ Requires adequate funds in the YouTrip wallet
⚠️ 2% ATM withdrawal fee upon exceeding the monthly limit
🎁
Get free overseas ATM withdrawals, up to S$100 per calendar month.
⚠️ 1.75% fee upon exceeding the monthly limit
More information
Key details of the Wise Card
Ease of use :
Minimum annual income: Nil
Annual fee: No annual fee, ever
Free overseas ATM cash withdrawals, up to S$100 per calendar month
No minimum spending
No foreign transaction fees
⚠️ Requires adequate funds in the Wise account
⚠️ 1.75% fee on overseas ATM withdrawals upon exceeding the monthly limits
🎁
Get free overseas ATM withdrawals, on weekdays, up to S$350 and 5 times per rolling month.
⚠️ 2% fee (min. S$1.49) upon exceeding the monthly limits
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Key details of the Revolut Card
Ease of use :
Minimum annual income: Nil
Annual fee: No annual fee, ever
Free overseas ATM cash withdrawals, up to S$350 per calendar month, 5 times per rolling month, on weekdays
No minimum spending
No foreign transaction fees on weekdays
⚠️ Requires adequate funds in the Revolut account
⚠️ 1% fee on foreign currency card spend, overseas ATM withdrawals and exchanges on weekends
⚠️ 2% fee (min. S$1.49) on overseas ATM withdrawals upon exceeding the monthly limits
🎁
