Great Deal: Get 3% cashback on MYR spending with YouTrip card

YouTrip is running a limited-time offer for Malaysian Ringgit (MYR) spending on the card. This offer comes with YouTrip’s official announcement of its support for an MYR wallet, which I already shared about a couple of months back.

Key points to note

Unlike the previous offer, this one is

• Offer: Get 3% cashback on MYR spending:
  • Min. spend: S$200
  • Max. spend: S$300 (S$9 cashback cap)
  • Redemption Cap: First 5,000 cardholders who meet the min. spend
• Offer Period: 16 April till 17 Jun 2025
• Registration: In the YouTrip app, tap on Perks, tap on the promo banner, then tap on ‘Join Now‘ (see screenshot below)
• Qualified cardholders will receive cashback by 17 Jul 2025
• Offer page

Don’t have a YouTrip card? Sign up through my referral link to get a S$5 reward.

4Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.

YouTrip Card

No FX fees, free overseas ATM withdrawals

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Card details

Key details of the YouTrip Card

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Nil
Annual fee: No annual fee, ever

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 Free overseas ATM cash withdrawals, up to S$400 per calendar month
 No minimum spending
 No foreign transaction fees

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⚠️ Requires adequate funds in the YouTrip wallet
⚠️ 2% ATM withdrawal fee upon exceeding the monthly limit

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📄 Quick review

More information on the

YouTrip Card

Suitesmile rating:

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✍️ Short summary
The YouTrip Card 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 ATM cash withdrawals upon exceeding the monthly limit.

YouTrip top-ups that are made via PayNow or a linked bank account can be transferred back to you own bank account at no charge.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

🎁 Sign-up promoGet S$5 credited to your wallet, after your first top-up.

Is this better than using Miles cards?

With 3% cashback and zero FX fees, there is no doubt that this is better than any Miles card in Singapore (which mostly come with over 3% in FX fees). But keep in mind that this promo requires a minimum MYR spend of S$200 by 17 Jul, and the S$9 cashback cap means that you can earn the cashback on up to S$300 worth of spending at most.

Related: Best cards for Foreign Currency spending