Updated May 18, 2023
Excellent! ROSHI has found 32 Overseas Spending cards for you.
Revolut Metal Debit Card
S$19.99Monthly Subscription
Real-time FXat mid-market fees
150+Supported Currencies
On Revolut's website
Card Features
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
2%Cash Back on Selected Shopping and Dining
3%Cash Back on Overseas Spend
3 yearsAnnual Fee Waiver
On ICBC's website
Card Features
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
Up to 8%on Online, Grab, Dining and Entertainment spend
Up to S$80Cash Back Cap per month
S$600Min. Spend per month
On UOB's website
Card Features
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
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
On UOB's website
Card Features
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
S$1 = 1.4 MilesLocal Spend
S$1 = 2.4 MilesOverseas Spend
S$1 = 10 MilesSelected Online Hotel and Flight bookings
On UOB's website
Card Features
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
S$1 = 1.4 MilesLocal Spend
S$1 = 3 MilesOverseas Spend
35,000 MilesWelcome Gift
On Standard Chartered's website
Card Features
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
S$1= 10X Pointson Foreign Currency Spend
S$1= 5X Pointson Local Dining Spend
1 Point = 0.29 MilesRewards to Miles Conversion
On Standard Chartered's website
Card Features
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
S$0Monthly Subscription
Real-time FXat mid-market fees
150+Supported Currencies
On Revolut's website
Card Features
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
3%Cash Back on Online Spends in Foreign Currency
S$60Cash Back Cap per month
S$0Min. Spend per month
On Standard Chartered's website
Card Features
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
S$1 = 1.2 Mileson Local Spend
S$1 = 2 Mileson Overseas Spend
60,000 MilesPromotional Gift
On Standard Chartered's website
Card Features
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 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.
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.
| Credit Card Name | Earn Rate | Reward Category | |
|---|---|---|---|
| OCBC 90°N Card | S$1 = 4 miles | Rewards Points | |
| UOB Visa Signature Card | S$1 = 4 miles | Rewards Points | |
| UOB PRVI Miles | S$1 = 2.4 miles | Rewards Points | |
| Maybank Friends & Family Card | 8% rebate on dining, groceries, petrol and taxi rides in Malaysia | Cashback | |
| UOB YOLO Card | 8% cashback on weekend dining, entertainment and Grab | Cashback |
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.
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.
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.
Your card will only request an OTP when you activate it for foreign travel. Following this, you will not need to worry about OTPs.
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:
Have a question? Ask us about anything!
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