Credit cards for travel

Credit card with travel perks and waive fees can save you money on your next vacation.

Last updated:

Whether you’re a regular traveller or planning a rare getaway, you need to find the right credit card for hotel, flight purchases and everything else. But you’re in danger of spending too much of your budget on currency conversion and foreign transaction fees.

This guide compares credit cards that are the best for travel and why you should find the right one for your next vacation.

Compare travel credit cards

Name Product Reward Annual Fee Min Income - Singaporean and PR
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee. Ends 31 July 2019.
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.

Compare up to 4 providers

Compare different types of travel credit cards


Credit cards for travel

How a credit card is useful for travel

  • Live exchange rates. You could benefit from fluctuating exchange rates that change daily when USD depreciates against the currency of your destination.
  • Travel now, pay later. Some credit cards can provide up to 23 days interest-free on purchases and 0% introductory interest rates when you open a new card. So you can spend, but save on interest and fees.
  • Rewards. Earn points for flights and cash back with rewards programs.

Things to note when using credit cards for travel.

  • Avoid cash advances. Using your credit card to get cash from an ATM can cost your high fees and interest rates. There is usually no interest-free days on cash advances.

Credit cards with travel benefits

Cards with travel rewards are designed with the traveller in mind can make you feel better about using your credit card for big purchases on your trip. There are many cards that offer 2x or 3x points on hotels, flights and other adventures on your trip. Use your points for cash back, your next flight or hotel stay and so much more.

High-end cards can get you access to exclusive airport lounges and hotel and flight upgrades. These cards often have high annual fees, so be sure you can make it worth it.

You’ll also find cards with travel insurance, covering you for missed flights, accidents or illnesses while you’re away. But credit cards are the best option for travel insurance. Find out more about the benefits of travel insurance with our guide.

Name Product Reward Annual Fee Min Income - Singaporean and PR
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee. Ends 31 July 2019.
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.

Compare up to 4 providers

Instalment plans

Credit cards that offer interest-free instalment plans are great to get right before your trip. It makes the idea of “buy now, pay later” really work for you. Often credit cards offer 3 to 6 months of 0% EIR, giving you the chance to pay down your balances after a big trip. But be careful — once your period is up, you’ll pay the high EIR on your remaining balance.

No annual fee credit cards

These no-frills cards don’t cost anything to have. If you only use your card for emergencies and small purchases no annual fee cards are a great pick. These cards often offer no-interest days when you open an account, and you can find cards with low EIRs. You won’t find travel benefits — like no foreign transaction fees — or rewards that other cards offer.

Name Product Reward Annual Fee Min Income - Singaporean and PR
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Get up to S$60 CapitaVouchers upon S$500 minimum spend in the first month. Ends 31 July 2019.
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
Up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Earn up to 8% cash back on dining, groceries and petrol.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
10X Rewards on your shopping spend (local and overseas) and online purchases (except travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 30 September 2019.
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee. Ends 31 July 2019.
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
1.6% unlimited cash rebate on all local spend
S$120 annual fee
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.

Compare up to 4 providers

Black and Platinum credit cards

Find you use your credit card for most purchases? Black and platinum credit cards offer greater perks like higher credit limits, rewards and complimentary insurance. If finding exclusive airport lounges and hotel upgrades are important to you, the high annual fees could be worth it. Annual fees for these cards range from S$150 to S$500 a year, and often you need a stellar credit score to qualify.

Name Product Reward Annual Fee Min Income - Singaporean and PR
Up to 5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 3 years - S$160.50 thereafter
S$30,000
Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive S$100 cash credit upon S$800 minimum spend charged to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 July 2019.

Compare up to 4 providers

Bottom line

Choosing a credit card for your vacation depends much on your spending habits and how much you plan to use your cards. You’ll find the most savings with cards that waive foreign transaction fees. Always compare credit cards to find the best deal before opening a credit card.

Frequently asked questions about travel credit cards

Back to top
Was this content helpful to you? No  Yes
Go to site