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Having a credit or debit card on hand when you’re away is a must-have travel convenience. With credit cards, you can access a wide array of deals and complimentary extras that cut the cost of your travel. Expect perks such as travel insurance, flight and accommodation discounts, lower foreign currency conversion fees and more.
So if you’re planning for your next trip, use this guide to compare credit cards with travel promotions and learn about the different card features and perks available.
If you’re a globetrotter who travels frequently for business or pleasure, owning a travel card can help you score free travel perks. Some of the benefits and privileges you can expect from owning a travel credit card include:
Keeping these details in mind can help you avoid extra charges and hassles when you’re using a credit card overseas.
There are a lot of credit cards available in Singapore that offer many travel-related perks, ranging from free travel to achieving elite member status with hotels and airlines. However, every traveller has unique reward goals, so consider your priorities when choosing a travel rewards card. Here are some tips to consider:
When you’re overseas, it’s always a good rule of thumb to have more than one travel money option for extra flexibility and security. Some other options you can consider include:
Following these precautions should help ensure your trip runs smoothly:
Taking a little time to choose your travel money options – including any credit card travel promotions – before you leave can help you avoid extra costs and unforeseen issues, meaning you can spend more time enjoying your trip with peace of mind.
Are there requirements I need to meet to get complimentary credit card travel insurance?
This depends on the card and the complimentary insurance policy. Check your credit card’s complimentary insurance policy document or contact your issuer directly to find out exactly what’s required and the type of cover available. Plus, you’ll want to be aware of exactly how much cover you’ll actually get – as you may find a free travel insurance deal won’t offer you full coverage against the risks you may face on your trip.
Is there any catch for credit card welcome bonuses?
Yes, credit card welcome bonuses are typically reserved for new sign-ups only. This means that you either never owned a card from that bank, or have cancelled your card at least 12 months ago. Some credit card issuers also require you to hit a minimum spend (for example, S$500 in the first month) before you’re qualified for the freebies. If you’re unsure about your eligibility for the credit card’s introductory freebies, be sure to check the terms and conditions before applying.
Is there a drawback to signing up for more credit cards?
Many cardholders are tempted to sign up for extra credit cards just for the welcome bonuses without considering that having too many cards may bring unintended consequences. With any additional credit cards that you don’t utilise, you may find yourself not having the time to keep track of them, causing you to be more susceptible to credit card fraud and incurring an annual fee if you forget to cancel them after the first year. Also, having too many unused credit cards may also affect your credit score.Back to top
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