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Using a credit card in Singapore

Save money on purchases and cash withdrawals abroad.

Singapore is one of the more technologically and financially advanced countries in Asia. This means credit cards such as Visa, Mastercard and American Express are widely accepted. Still, it’s always a good idea to carry some cash for smaller establishments that may not accept plastic.

If you’re taking along a variety of cards, debit cards and cash, read our full guide on spending money while traveling in Singapore.

Which credit card issuers are accepted in Singapore?

American Express cards are likely accepted as widely as Visa and Mastercard in Singapore. Discover cards, less so. But you can still find places with the Diners Club logo where you could pay with your Discover card.

If you’re looking to make cash withdrawals, Citibank and DBS take Discover, while DBS and many smaller banks’ ATMs accept Amex cards.

Merchant acceptanceATM acceptance
Visacheck mark iconHighcheck mark iconHigh
Mastercardcheck mark iconHighcheck mark iconHigh
American Expresscheck mark iconHighcheck mark iconHigh
Discoverexclamation point iconMediumexclamation point iconMedium

Potential credit card fees in Singapore

Using your credit card in Singapore could come with two kinds of fees:

  • Foreign transaction fees. Depending on your card, you could pay up to a 3% fee on your transactions.
  • Currency conversion fees. You can incur a Dynamic Currency Conversion (DCC) if you pay a merchant in US dollars. This means the local bank will make the conversion, which comes with a poor conversion rate.

Can I incur both fees?

Yes. You should decline DCC if offered and instead pay with local currency or use a credit card without foreign transaction fees.

Compare cards for use in Singapore

All cards in the table below have no foreign transaction fees. This means you’ll avoid paying up to a 3% fee on every transaction made abroad.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
American Express® Gold Card
See Pay Over Time APR

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
See Pay Over Time APR

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Luxury Card Mastercard® Titanium Card™
14.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

Save money with the following cards if you often travel to Singapore:

United Airlines and Singapore Airlines fly between the US and Singapore. Both are members of the Star Alliance, so you earn and redeem miles on both airlines with a United credit card.

On the other hand, China Eastern Airlines has some of the cheapest flights to Singapore. But you need a Delta credit card to earn and redeem miles on this airline.

Chip-and-PIN credit cards

Chip-and-PIN cards and chip-and-signature cards are most common in Singapore. For ATM withdrawals, having a PIN works best. Ask your bank for a four-digit PIN before your travel.

Is it safe to use my credit card in Singapore?

Singapore is one of the safest countries for credit card use. However, exercising caution is wise. For example:

  • Select ATMs with care. ATMs associated with a bank are generally safer. It’s also easier to call for assistance if the machine eats your card.
  • Take two cards. A backup card could be a lifesaver should something happen to your primary one.
  • Keep your card in sight. Keep an eye on your card to prevent card misuse.

How to prepare before traveling to Singapore

  • Get a credit card without foreign transaction fees. That way, you’ll save up to 3% on all purchases made abroad.
  • Visa and Mastercard are universally accepted. American Express is also widely accepted in Singapore. Discover lags behind the three, but you can find places with the Diners Club logo that accept the card.
  • Notify your bank before you travel. As a general rule, always inform your bank when traveling abroad. Otherwise, they may interpret charges made abroad as fraudulent and block your card.
  • Get your bank’s phone number. Resolve any issues with your card with a phone call.
  • Get a backup card. You shouldn’t rely on a single credit card, as it may get lost or be declined. Having a second card could put your mind at ease.
  • Get some cash. Small shops and restaurants may not accept credit cards. Taxis widely accept credit cards but add a surcharge. Having cash in your pocket for incidentals would be wise.

Should I use my credit card to get cash in Singapore

Singapore has high credit card acceptance, but you would also need cash for smaller purchases or for visiting an open-air market, for example.

ATMs are widely available across Singapore. If you use a credit card, however, you’ll incur a cash advance fee and a cash advance APR. Debit cards are more ideal for cash withdrawals abroad, as they don’t incur these fees.

Check out our travel money guide: Singapore to learn more.

Do taxis in Singapore accept credit cards?

Yes, a large number of taxis in Singapore accept credit cards. However, they also charge an additional 10% for credit card payments.

Bottom line

Singapore is a credit card friendly country. Visa, Mastercard and American Express are widely accepted, but it’s wise to carry cash as well.

You’ll find ATMs across Singapore, but consider using a debit card. For all other purchases, a travel credit card without foreign transaction fees is the best option.
See more guides on using a credit card in other countries.

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