Last updated on 1 November 2024
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What are the Best Cards in Singapore for Foreign Currency Spending?
As each “player” of the Miles Game values their miles/points differently, this is always a difficult spending category to analyse.
However, no matter how you look at it, the facts remain:
- Most Singapore credit cards charge 3 – 3.5% in FX fees
- Multi-currency cards/wallets do not have any FX fees, but also, do not give you miles/cashback
- By linking a Mastercard to Amaze, one can save about 1% in FX fees, while still earning miles/cashback
- Using a Miles/Points credit card for foreign currency spending comes with an opportunity cost of 4 – 4.5% (as a card that offers 1% cashback + no FX fees exists), hence, you’re technically “paying” about 1 cent (SGD) per mile with a 4 mpd card, and 1.7 cents per mile with a 2.4 mpd card
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
| Amaze + Citi Rewards | 4 mpd • Non-travel spending only (i.e. no flight/hotel bookings) • Up to $1,000 per statement month • 2.5% FX loss (estimated) |
| Trust Cashback | No foreign currency fee + 1% cashback • No annual fee, ever |
| HSBC Revolution | 4 mpd • Online only • Up to $1,000 per calendar month • No annual fee, ever • 3.25% FX fee |
| UOB Preferred Platinum | 4 mpd • Online or Mobile Contactless only (G Pay, Apple Pay) • Up to $1,110 per calendar month • 3.25% FX fee |
| DBS Woman’s World | 4 mpd • Online only • Up to $1,500 per calendar month • 3.25% FX fee |
| Citi SMRT | 5% cashback • Online only (non-travel related) • Min. spend $500 per statement month • Up to $12,000 per membership year • 3.25% FX fee |
| UOB Visa Signature | 4 mpd • Min. spend $1,000 per statement month • Up to $2,000 per statement month • 3.25% FX fee |
| Citi PremierMiles | 2.2 mpd • 3.25% FX fee |
| HSBC TravelOne | 2.4 mpd • 3.25% FX fee |
| Maybank World | 2.8 – 3.2 mpd • Min. spend $800 per calendar month for 2.8 mpd • Min. spend $4,000 per calendar month for 3.2 mpd • 3.25% FX fee |
| Maybank Horizon | 2.8 mpd • Flights up to $10k per calendar month, others uncapped • Min. spend $800 per calendar month • 3.25% FX fee |
| UOB One | 3.33% cashback • Min. spend $500/$1,000/$2,000 per statement month • Up to $500/$1,000/$2,000 per statement month • Maintain spending tier monthly, in a qualifying quarter • 3.25% FX fee |
| Citi Prestige | 2 mpd • 3.25% FX fee • $545 annual fee (no waiver) |
| ICBC Global Travel | 3% cashback • 2.5% FX fee |
| UOB PRVI | 3 mpd (selected currencies) 2.4 mpd (others) • 3.25% FX fee |
| Trust Link | No foreign currency fee + 0.22% cashback • No annual fee, ever |
| YouTrip | No foreign currency fee • No annual fee, ever |
💡 Click on the + Card Summary buttons below to view the key details of each card.
Amaze
Turn offline transactions online and minimize foreign transaction fees
🎁 Sign-up bonusGet 225 InstaPoints (worth $2.25) when you sign up as a new cardholder.
More information on the
Amaze is an innovative Debit Card that does not require topping up of an e-wallet to reap great benefits. In fact, this card actually makes some credit cards better.
Good Amaze use cases:
- Link Citi Rewards to this card for in-person SGD spending on dining, groceries, general shopping and fuel, to turn offline transactions online and earn 4 mpd
- Link Citi Rewards to this card for online/offline foreign currency spending on dining, groceries, ride-hailing, food delivery and general shopping, to save ~1% on foreign currency fees while earning 4 mpd
- Link Citi Cash Back to this card to save ~1% on foreign currency fees while receiving 6-8% cashback on ride-hailing, petrol, groceries and dining
- Link OCBC Rewards to this card to save ~1% on foreign currency fees on online/offline shopping (e.g. clothing/shoes, toys, duty free, luggage etc.) while earning 4 mpd
- Link Maybank Family & Friends to this card to save ~1% on foreign currency fees on chosen categories while earning 8% cashback
Key points to note about the Amaze card:
- Link up to 5 Mastercards in the Instarem mobile app
- Choose 1 of those cards before your next Amaze transaction
- All Amaze transactions will be charged in SGD, directly to the linked card
- All Amaze transactions will be seen as online transactions by the linked card
- All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
- UOB, DBS/POSB and DCS cards do not award miles/points for Amaze transactions
- Avoid Dynamic Currency Conversion (DCC) fees (if any)
- Amazes foreign currency spread currently stands at around 2%
- When Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee
🔗 Great cards that can be linked to Amaze
Citi Rewards (4 mpd)
Citi Cash Back (6/8% cashback)
OCBC Rewards (4 mpd)
Maybank Family & Friends (8% cashback)
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than the Mastercard rate. This is about 1% lower than the ~3.25% fee that most credit cards charge.
⏰ Points expiry
1 year from transaction
💯 Conversion ratio
2,000 InstaPoints = $20
Citi Rewards
Earn 4 mpd on online spending, except travel-related
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.
Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.
Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.
Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).
Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Trust Cashback
No FX fees, 1% cashback and free overseas ATM cash withdrawals
🎁 Sign-up bonusUse code V1WB7T8A during the application to get a scratch card worth up to $1,000.
A one-time spend (any amount) is required. Pro Tip: Adding this card to your Grab app would trigger as first spend, due to the verification hold.
More information on the
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee!
The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.
To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:
- Apply for the Trust card with code V1WB7T8A
- Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
- Deposit enough money into your Trust Savings Account
- When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane
The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:
- Dining (e.g. restaurants, bakeries, food deliveries)
- Shopping (e.g. department, clothing, watch stores)
- Travel (e.g. airlines, hotels, travel agencies)
- Wellness (e.g. beauty shops, spas, gyms, pharmacies)
- Transport (e.g. ride-hailing, car rental, petrol)
- Entertainment (e.g. bars, movies, streaming services)
Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.
To summarize the cashback mechanics:
To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.
This also means that, to unlock the “15% cashback” on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, there’s a huge opportunity cost of not using other superior cards on this amount.
Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.
Cardholders can choose their preferred bonus category in the Trust mobile app.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
HSBC Revolution
Earn 4 mpd on selected online spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on selected online spending categories like:
- Online Shopping
- Ride-Hailing
The 4 mpd earn rate can be enjoyed for eligible spendings of up to $1,000 per calendar month (no minimum spend, foreign currency counts).
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions.
Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions other than Europe, Japan and South Korea.
Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories.
Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
3 years from transaction
(37 months to be exact)
🫱🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points
(10,000 miles)
💲Transfer fee
Free
🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.
❓How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online spending (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.
UOB Preferred Platinum
Earn 4 mpd on Mobile Contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online and mobile contactless spending (in foreign currency too!) on key spending categories like dining, groceries, hotels, online shopping, in-person shopping and food delivery, up to $1,110 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per calendar month. On top of that, cardholders will not earn any miles/points on SimplyGo transactions (i.e. bus or MRT), even when paid through mobile contactless.
“Mobile contactless” refers to Google Pay, Apply Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
DBS Woman’s World
Earn 4 mpd on online spending
More information on the
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.
The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above $80k, before uploading your actual proof of income that is under $80k.)
🤑 Foreign currency fee
3.25%
⏰ Points expiry
1 year from transaction
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer
💯 Transfer ratio
1 point = 2 miles
🧮 Transfer block
5,000 points (10,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.
❓How/When points are credited
Earn 1 base point per $5 dollar spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.
Citi SMRT
Get 5% cashback on online spending, groceries and transportation
More information on the
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.
Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!
Get just 0.3% cashback for all other spending categories.
💸 Annual fee
$196.20
(First 2 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).
UOB Visa Signature
Earn 4 mpd on foreign currency and/or contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.
A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.
Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.
💸 Annual fee
$218
(First year waived)
💼 Income requirement
$50,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Citi PremierMiles
Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency
More information on the
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.
This is a great backup card, if you have exhausted all your specialized cards with better earn rates.
Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend using this card over other General Spending cards with similar earn rates.
Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March this year, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.
💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass
⏰ Points expiry
Miles earned on this card do not expire!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
1 Citi mile = 1 mile
🧮 Transfer block
10,000 miles
💲 Transfer fee
$27.25 per transfer
🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.
HSBC TravelOne
Earn 1.2 mpd on local spend, 2.4 mpd on foreign currency
More information on the
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.4 miles per dollar on foreign currency spending.
This is a great backup card, if you have exhausted all your specialized cards with better earn rates.
Having many transfer partners gives you fantastic flexibility. For this reason, I recommend using this card over other General Spending cards with similar earn rates.
Cardholders are also entitled to 4 free airport lounge visits (via DragonPass) per calendar year! For example, if you apply for the card in March 2023, you will get 4 free visits for the current year, plus 4 more free visits from 1 January the following year.
Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.
💸 Annual fee
$196.20
(Get 25k points (10k miles) when you pay the annual fee from the 2nd year onwards. Get first-year waiver, if you don’t want the sign-up bonus.)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
3 years from transaction
(37 months to be exact)
🫱🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points
(10,000 miles)
💲Transfer fee
Free
🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.
❓How/When points are credited
Base points are credited immediately when the transaction is posted.
Maybank World
Earn uncapped 2.8 – 3.2 mpd on foreign currency spending
More information on the
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least $800 per calendar month on the card (in any currency).
Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least $4,000 per calendar month on the card (in any currency).
Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.
On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.
Cardholders also get 4 mpd at selected merchants.
All other transactions earn just 0.4 mpd.
Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned on all your other Maybank cards!
💸 Annual fee
$261.60
(First year waived)
💼 Income requirement
$80,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
Points earned on this card never expire!
🫱🫲 Transfer partners
Krisflyer, Asia Miles and Enrich
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)
💲Transfer fee
No transfer fee!
🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.
❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Maybank Horizon
Earn 2.8 mpd on flights and foreign currency spending
More information on the
Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least $800 per calendar month.
On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least $800 per calendar month. However, this bonus earn rate is capped at $10,000 per calendar month.
Other whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.24 mpd.
Miles earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, I recommend using this card only for school fees in foreign currency and more-expensive flight bookings in Singapore Dollars.
💸 Annual fee
$196.20
(First 3 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
1 year from transaction
🫱🫲 Transfer partners
Krisflyer, Asia Miles and Enrich
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer blocks
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.
❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 3.2 mpd in total).
UOB One
Earn up to 3.33% cashback on almost everything
More information on the
Most specialized cashback cards (offering over 1.7% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the UOB One card, in my opinion, are a little less complicated.
Cardholders can earn up to 3.33% cashback on a wide range of spending categories like online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.
Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of $50, $100 or $200 at the end of each quarter.
How to receive up to 3.33% cashback:
- Mandatory: Make at least 5 transactions per statement month
- Get $50 cashback when you spend at least $500 per month, for 3 consecutive statement months in a qualifying quarter
- Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive statement months in a qualifying quarter
- Get $200 cashback when you spend at least $2,000 per month, for 3 consecutive statement months in a qualifying quarter
In other words, you will only receive exactly 3.33% cashback when you spend exactly $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. For that reason, cardholders who spend $900/month in that same period would fall under the $500 band, and be rewarded with just $50 cashback (equivalent to 1.85%).
Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.
Citi Prestige
Unlimited free airport lounge visits for two, 4th night free on hotel bookings
More information on the
This card gives you an uncapped earn rate of 1.3 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.
Having many transfer partners and miles that do not expire gives you fantastic flexibility.
Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for the cardholder +1 guest and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.
💸 Annual fee
$545
(Strictly no waiver. Comes with 62,500 points, equivalent to 25,000 miles)
💼 Income requirement
$120,000/year
(Can’t meet the income requirement? Visit a Citibank branch to apply for a secured card with a $10,000 fixed deposit)
🤑 Foreign currency fee
3.25%
🛋️ Airport lounge access
Unlimited free visits per calendar year for 2 pax via Priority Pass
⏰ Points expiry
Points earned on this card never expires!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.
UOB PRVI Miles
Earn 6 mpd on selected airlines, 1.4 mpd on local spend
More information on the
This card gives you a strong earn rate of 6 miles per dollar on air tickets on selected airlines (e.g. Turkish Airlines, Finnair, Thai Airways and more) booked via the dedicated Expedia link.
Transactions made in the following currencies earn 3 miles per dollar, uncapped, with no minimum spend:
- Malaysian Ringgit (MYR)
- Indonesian Rupiah (IDR)
- Thai Baht (THB)
- Vietnamese Dong (VND)
All other local transactions earn 1.4 miles per dollar, while foreign currency transactions earn 2.4 miles per dollar.
Cardholders can also receive 4 free airport lounge visits per calendar year, regardless of the number of PRVI Miles card (Mastercard/Visa/AMEX) that you hold. Take note that this lounge entitlement can only be used for the main cardholder (guests chargeable at US$35 per visit). One-time enrollment is required at least 12 hours before first lounge entry.
As this card only has 2 transfer partners, expiring points and $5 earning blocks, it is barely useful for Singapore-based travellers, considering the other options that we have.
On top of that, this entry-level card has a higher annual fee that other General Spending miles cards, and, unlike those cards, cardholders who pay the annual fee of this card from the second year onwards will not receive any miles (except for the AMEX version).
Additional note: UOB tends to quietly deduct points (UNI$) from your account every card anniversary, as “annual fee payments”. Set a reminder to always ask for an annual fee waiver, as this card is not worth its annual fee.
💸 Annual fee
$261.60
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲 Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
❓ How/When points are credited
Base UNI$ are credited immediately when the transaction is posted; bonus UNI$ within 3 months.
Trust Link
No FX fees and unlimited free overseas ATM cash withdrawals
🎁 Sign-up bonusUse code V1WB7T8A during the application to get a scratch card worth up to $1,000.
A one-time spend (any amount) is required. Pro Tip: Adding this card to your Grab app would trigger as first spend, due to the verification hold.
More information on the
This card gives you great foreign exchange rates and unlimited free overseas ATM cash withdrawals with no cap; and it does not come with an annual fee!
To avoid interest charges on ATM cash withdrawals, follow these easy steps:
- Apply for the Trust Link card with code V1WB7T8A
- Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
- Deposit money into your Savings Account
- Pair your Trust Link card with your Savings Account before any ATM withdrawals. Withdrawn cash amount will be automatically deducted from your Savings Account
As an added benefit, money in the Trust Savings Account earns 0.75% interest p.a. (up to S$800,000) with no strings attached. Account holders can earn a further 0.4% if they make at least 5 transactions (min. $30 each) on the card each month.
The Trust Link card comes with other unappealing benefits like 0.22% cashback on general spending and 0.5% cashback on FairPrice Group spending.
Because of the poor earn rates, I recommend using this card only for overseas ATM withdrawals.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
YouTrip
Get great foreign exchange rates and free overseas ATM cash withdrawals
🎁 Sign-up bonusGet $5 credited to your wallet, after your first top up.
More information on the
YouTrip is a Debit Card and your spending limit is tied to the amount of money that you have in your YouTrip wallet.
Top-up your YouTrip wallet and withdraw cash from overseas ATMs for free, up to S$400 per calendar month. The exchange rates are usually better than what money changers are offering!
Take note that you will be charged a 2% fee for overseas cash withdrawals, upon exceeding the S$400 monthly limit.
YouTrip top-ups that are made via PayNow or a linked bank account can be transferred back to you own bank account.
Wallet top-ups made with Visa credit cards will incur a 1.5% fee.
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee