Excellent! ROSHI has found 32 Overseas Spending cards for you.

Revolut Metal Debit Card

4.5Good to Excellent

S$19.99Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

  • 1% cashback in any supported currency on all your spending abroad
Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – no monthly limit
  • No fee on international ATM withdrawals, up to S$1,050 per month
  • Global medical and dental insurance
  • Baggage delay insurance
  • Loss or damaged items insurance
  • Free and instant P2P transfers to other Revolut users (in Singapore, as well as in Europe)
  • Premium Add ons : Premium card with three exclusive designs, Global express delivery of card, Priority customer service, Disposable virtual cards for online transactions that protect you against online card fraud, LougeKey Pass access and free lounge passes if flight is delayed by >1 hour
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Principle Annual Fee$239.88

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

ICBC Horoscope Credit Card

3.8Good to Excellent

2%Cash Back on Selected Shopping and Dining

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all overseas spending
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2019
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationUnionPay

  • Wireless PaymentQuickPass

UOB YOLO Credit Card

3.5Good to Excellent

Up to 8%on Online, Grab, Dining and Entertainment spend

Up to S$80Cash Back Cap per month

S$600Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 8% cash back on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
  • Up to 28% off at ZALORA, Lazada and more
  • Up to 18% off at Expedia, Agoda and more
  • Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
  • 0.3% cash back on all other spend
  • Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
  • Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

KrisFlyer UOB Credit Card

3.5Good to Excellent

S$1 = 3 Mileson Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Mileson dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Mileson all other spend

  • Earn up to 3 KrisFlyer Miles per S$1 on everyday spend
Apply Now

On UOB's website

Card Features

  • $1 = 3 KrisFlyer Miles for spend on everyday spend categories with S$500 min. annual spend on Singapore Airlines Group
  • $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
  • $1 = 1.8 KrisFlyer Miles on Dining, Online Shopping and Travel, and Transport Card Transactions with a min sum of S$500 charged on Singapore Airlines Related Card Transactions in a year
  • $1 = 1.2 KrisFlyer Miles on all other spend

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee96.3

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentApple Pay, Samsung Pay

UOB PRVI Miles Card

4.3Good to Excellent

S$1 = 1.4 MilesLocal Spend

S$1 = 2.4 MilesOverseas Spend

S$1 = 10 MilesSelected Online Hotel and Flight bookings

  • Earn up to 3miles per S$1 spend on Klook (Exclusive to UOB Prvi Miles Cards only)
Apply Now

On UOB's website

Card Features

  • S$1 = 1.4 miles (Local spend)
  • S$1 = 2.4 miles (Overseas spend)
  • S$1 = 6 miles for spends on major airlines and hotels booked through Agoda, Expedia and UOB Travel
  • No minimum spend and no cap on earned miles
  • Earn up to 4.4 Miles on bus and train rides via mobile contactless; spending cap at S$80 per month

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$257

  • Supplementary Annual Fee128.4

  • Fee Waiver1 year fee waiver, free first 2 supplementary cards

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMasterCard, Visa, American Express

  • Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Standard Chartered Visa Infinite Credit Card

3.6Good to Excellent

S$1 = 1.4 MilesLocal Spend

S$1 = 3 MilesOverseas Spend

35,000 MilesWelcome Gift

Apply Now

On Standard Chartered's website

Card Features

  • Get 35,000 Miles when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • $1 = 1.4 miles (Local)
  • $1 = 3 miles (Overseas)
  • Up to six complimentary visits each year with the Priority Pass lounge programme
  • Complimentary Travel Accident Insurance coverage of up to S$1,000,000

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$589

  • Fee WaiverNot Available

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period22 days

Minimum Income Requirements

  • Singaporean$150,000.00

  • Foreigner$150,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

Standard Chartered Rewards+ Credit Card

3.5Good to Excellent

S$1= 10X Pointson Foreign Currency Spend

S$1= 5X Pointson Local Dining Spend

1 Point = 0.29 MilesRewards to Miles Conversion

  • Up to S$80 cashback sign up gift
Apply Now

On Standard Chartered's website

Card Features

  • Annual Fees waived for the first two years
  • 10X Rewards Points per S$1 spent in foreign currency, including online spends
  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
  • 1X Rewards Points per S$1 on all other spends
  • Rewards Points capped at 20,000 points per year
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless Payment Visa payWave, Apple Pay, Samsung Pay, Google Pay

Revolut Standard Debit Card

4.5Good to Excellent

S$0Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – up to S$9000 per month
  • No fee on international ATM withdrawals, up to S$350 per month
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

Standard Chartered Spree Credit Card

4.3Good to Excellent

3%Cash Back on Online Spends in Foreign Currency

S$60Cash Back Cap per month

S$0Min. Spend per month

  • New-To-Bank customers: Get up to S$100 Cashback
Apply Now

On Standard Chartered's website

Card Features

  • New-To-Bank customers: Get up to S$100 Cashback when you apply for SCB Rewards
  • Existing customers: Get up to S$20 Cashback when you apply for SCB Rewards
  • No minimum spend and up to S$60 cashback/month
  • 3% cashback on all online spends in foreign currency and vPost spends
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 1% cashback on all other retail transactions

Annual Interest Rate and Fees

  • Anual Interest Rate26.88%

  • Principle Annual Fee$193

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

Standard Chartered X Credit Card

3.6Good to Excellent

S$1 = 1.2 Mileson Local Spend

S$1 = 2 Mileson Overseas Spend

60,000 MilesPromotional Gift

  • Get 30,000 air miles upon payment of annual fees
  • Additional 100,000 air miles with Priority Banking sign-up*
Apply Now

On Standard Chartered's website

Card Features

  • S$1 = 1.2 miles (or 1.2% cashback) for local spending
  • S$1 = 2 miles (or 2% cashback) for overseas spending
  • Get instant Digital Card + Approval when you apply via MyInfo
  • 2 Complementary Access to Priority Pass Lounges around the world
  • Complimentary travel insurance coverage of up to S$1,000,000 when you charge your full fare to your card before you go abroad

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$696

  • Supplementary Annual Fee$107

  • Fee WaiverNot Available

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period22 days

Minimum Income Requirements

  • Singaporean$80,000.00

  • Foreigner$80,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

  • Overseas Spending Basics

  • FAQs

  • Ask Away

How Exactly Does an Overseas Credit Card Work?

Overseas credit cards provide you with far greater rewards for overseas purchases than other cards. While you will need to pay certain fees for foreign charges, the rewards you gain will more than make up for them.

What Requirements Must be Met in Order to Activate My Card for Overseas Use?

So long as you get your card activated before going abroad, you shouldn’t have any trouble. You will need to provide the dates in which you will be traveling. The card will then be activated for that period and deactivated at the end date.

Best Overseas Spending Cards in Singapore (2020)

Credit Card NameEarn RateReward Category
OCBC 90°N CardS$1 = 4 milesRewards Points Apply Now
UOB Visa Signature CardS$1 = 4 milesRewards Points Apply Now
UOB PRVI MilesS$1 = 2.4 milesRewards Points Apply Now
Maybank Friends & Family Card8% rebate on dining,
groceries, petrol and taxi rides in Malaysia
CashbackApply Now
UOB YOLO Card8% cashback on weekend dining,
entertainment and Grab
CashbackApply Now

How Does Overseas Rebate Work?

Overseas rebate works the same as any other cashback option. When you make a purchase overseas, you will gain a small portion of it back at the end of the month in the form of a rebate. Typically, you will get between 2% and 8% at best. Make sure to hit the minimum spend or else you will get nothing.

What is a Credit Card Foreign Transaction Fee?

Every time you purchase something overseas, you will be charged the item’s actual price plus a small foreign currency transaction fee. These fees include both non-SGD purchases and SGD purchases via a foreign bank.

The transaction fee is divided between your card network and the issuer. Between the two, you will likely end up spending an extra 2.5-3.25% of the value of the item.

These fees may seem quite high. However, since you will likely be earning cashback rewards of up to 8%, you will still end up saving more than you lost. This way you have the convenience of using your own credit card without the worry of losing money exchanging your cash.

Does My Credit Card Work Overseas?

Yes, you can use your credit card overseas so long as you’ve enabled it to do so. When using your card overseas, you will be charged the exchange rate with every foreign transaction.

Will My Card Require OTP When Used Overseas?

Your card will only request an OTP when you activate it for foreign travel. Following this, you will not need to worry about OTPs.

How can I Check Foreign Exchange Rates and Charges?

Most banks follow the VISAS Mastercard rates. Check their websites for live rates. You can also take a look at your terms & conditions in case your card provider uses different rates.

How can I Activate My Credit Card for Overseas Purposes?
You can use any of the following methods:

  • SMS banking
    Virtual Assistance
    Digibank Mobile
    Digibank Online
    DBS Lifestyle App
    An ATM

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