Best credit cards for golf

Whether you’re a part-time golfer or an expert player, getting the right credit card for golf-related privileges could save you a considerable sum and allow you to enjoy a range of other perks. Read on to discover some of the best credit cards for golf, including complimentary green fees.

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Name	Product	Golf Privileges	Annual Fee	Min Income - Singaporean and PR
American Express Platinum Credit Card		Receive complimentary green fees at premier golf and country clubs across Singapore, Cambodia, Indonesia, Malaysia, Philippines, Thailand and Vietnam. T&Cs apply.	$321	$80,000	Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 30 Sep 2022.	Go to site More Info	Compare	loading Fetching your data...
Citi Prestige Card		Receive six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia, and China. T&Cs apply.	$535	$120,000	Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Oct 2022.	Go to site More Info	Compare	loading Fetching your data...
DBS Altitude Card		Enjoy 30% off green fees at participating golf clubs in Asia Pacific region. T&Cs apply.	$0 annual fee for 1 year - $192.60 thereafter	$30,000	More Info	Compare	loading Fetching your data...
DBS Live Fresh Card		Holey Moley Golf Club Clarke Quay $8 mini golf deal & more	$0 annual fee for 1 year - $192.60 thereafter	$30,000	More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Credit Card		Receive complimentary Green Fees all year round at 100 participating golf clubs in 23 countries. Exclusive package and return-ferry rebate promotions to the Els Club Malaysia, a golfing paradise.	$0 annual fee for 1 year - $600 thereafter	$150,000	Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.	More Info	Compare	loading Fetching your data...
Standard Chartered Visa Infinite X Credit Card			$695.50	$80,000	Receive 30,000 miles (in the form of 75,000 360° Reward Points) when you apply. T&Cs apply.	More Info	Compare	loading Fetching your data...
Maybank World Mastercard		Receive complimentary Green Fees all year round at 100 participating golf clubs in 23 countries.	$0 annual fee for 1 year - $240 thereafter	$80,000	Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.	More Info	Compare	loading Fetching your data...

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What is a golf credit card?

Most card issuers in Singapore offer credit cards that come with golf-related privileges to help golf fans cut costs when they tee-off. These are generally prestige credit cards that, along with other luxurious benefits, provide complimentary green fees and access to premium golf clubs located in Singapore and abroad.

Here are some of the golfing perks that may be offered:

• Discounts or waiver for green fees
• VIP golf concierge services
• Golf insurance – read more about golf trip add ons
• Golf resort perks
• Exclusive invites to golf tournaments
• Worldwide golf club access.

Who should consider a golf credit card?

Designed for golfing enthusiasts and frequent golfers, credit cards with golfing perks are typically prestige or top-tier travel cards. These cards are also meant for high-net-worth individuals, which means that they also tend to come with high costs and other premium features that you may not utilise frequently.

So before you leap at the opportunity to sign up for a golf credit card, consider the benefits and drawbacks of these cards.

How to find the best golf credit cards

Once you’ve narrowed your choice down to those credit cards that provide golf-related perks, compare the other features the cards offer to find one that is a cut above the rest.

These are some of the common features you should pay attention to:

• The number of green fee waivers. Pay attention to the maximum number of times you can enjoy free green fees in a year. Some cards cap your allowance by year, others by quarter and others by month. If the card offers discounts on green fees instead of a complete waiver, make sure to find out how much of a discount you can get and how many times you can utilise the privilege.
• Golf-related benefits. Check if the card comes with other golfing privileges such as VIP golf concierge service and golf resort deals.
• Card features. If you’re after a certain feature besides golf benefits, check that the card you want offers it. Some popular features to look out for may include complimentary airport lounge access, free travel insurance, global ATM access, exclusive deals and more. For example, the American Express Platinum Credit Card also comes with a host of dining and shopping benefits.
• Fees. Check for all the fees and charges associated with the card, such as annual fees, cash advance fees, late payment penalties and overdraft fees. Always read the terms and conditions attached to your credit card before committing.
• Reward type. Credit cards generally come with rewards schemes to incentivise cardholders to spend. Reward types can come in various forms including air miles, cash rebates, points or a combination. Be sure to compare your options and pick a card that provides you with the types of rewards that suit your lifestyle.

Additional options

If you enjoy a round of golf once in a while but don’t necessarily need a card with uber-luxe golf perks, you may want to consider other top-tier alternatives that come with a multitude of enhanced benefits. Many of these prestigious alternatives also come with complimentary green fees.

Here are some examples of credits cards tailored to meet the lifestyle needs of high earners that enjoy the finer things in life:

• Air miles credit cards. Specifically for frequent travellers, air miles credit cards typically come with a wide array of travel benefits such as complimentary insurance, airport lounge access, accelerated rewards earn on overseas spend and global dining deals.
• Credit cards for high-income earners. If you indulge in VIP treatments, top-tier dining, lifestyle perks, travel benefits and other premium privileges, it’s worthwhile to consider prestige credit cards designed for high-net-worth individuals.
• Invitation-only credit cards. These elite credit cards come with lavish perks that almost seem unreal. Although these prestigious cards are on an invite-only basis, you can always express your interest with the card issuer if you think you qualify.

Bottom line

If you’re an avid golfer looking to save a little cash when indulging in your favourite sport in Singapore (or overseas), then the perk of having complimentary green fees can add up to significant savings. There are some fantastic golf perks out there that can help keep the cost of teeing off down to a minimum.

As with all credit cards, it’s important to scrutinise the fine print associated with a card before signing up. If you want a credit card that offers golf privileges, start comparing your card options now.

Questions you still might have

Which credit card offers the best golf discounts?

American Express Platinum Card, Citi Prestige Card, HSBC Platinum and Maybank World MasterCard offer some of the most attractive golf benefits. However, a card that’s most ideal for one individual may not necessarily be the best for another as each card comes with different eligibility criteria and offers different perks. So, be sure to compare all the available options as well as consider your personal circumstances before making a decision.

Why get a credit card with golf privileges?

If you enjoy frequent golf sessions, a credit card offering golf perks can help you save on the green fees. In addition, you may also get access to exclusive deals, discounts and rewards.

Is it worth paying high annual fees for golf credit cards?

The answer depends on how frequently you utilise the card for its golf privileges. Golf is an expensive sport in Singapore and green fees can easily cost more than S$150 per game. If your credit card offers complimentary green fees, the value you get will offset the high annual fee with just a few games. Along with other golfing perks, discounts and rewards, golf credit cards are definitely worth it for the avid golfer. Also, club memberships can be eye-wateringly high in Singapore.

What is a green fee?

A “green fee” is what a golf course charges golfers for one round of golf, which typically costs from S$100 to S$650. A handful of prestige or travel credit cards come with complimentary green fees for a selection of partner golf clubs, which can help you save a considerable sum if you golf frequently.

How much does it cost to play golf?

With golf club memberships in Singapore typically costing six figures and up, it is no wonder golf is perceived as a luxury sport. While there are some more affordable options, such as public golf courses that don’t require a membership to access, they are generally crowded. Examples of other costs that you should be prepared to fork out for are golf club rentals, buggy rides and coaching sessions. These costs are generally excluded from green fees.