Credit & Loan

Best Credit Cards for Travel

Best Credit Card For Travel (Photo Credit: Sean MacEntee)

School holidays are just around the corner and while you wait patiently for December to arrive, you rush to clear all your outstanding work looking forward to flip your calender. December is a month where most of us go for a short getaway from Singapore. We would bring our family members and our loved ones, including your well-behaved kid who had been diligent in class to another country to celebrate one year of hard work. Finally!

You may have already made your travel plans, booked your air tickets and probably changed your foreign currency but in case you forget – bring along your credit card. This plastic will comes in handy when you need to make big purchases and don’t want to run out of cash, not to forget that it also help you accumulate reward points and rebates which amounts to huge saving.

The question is which is the best credit card to have when you travel? What are the ones available?

Let us examine and find out the best credit card for travel after scouring all the bank websites. (Scroll down to the end to see a skip and see a roundup of the miles)

1. DBS Altitude Visa/AMEX Signature Card

DBS-Visa-AltitudeDBS-Altitude-AMEX

Rewards Description
Miles ✓ Earn up to 2 miles per S$1 spent overseas and 1.2 miles per S$1 spent locally
Jet-Setter Privileges ✓ 2 Complimentary Global Airport Lounge Access visits within each 12-month period of Priority Pass™ Membership
Free travel insurance ✓ S$1million travel accident insurance coverage for you and your family members
Shopping & Dining ✓ Use your DBS Points for DBS Rewards and DBS Indulge
Butler Service ✓ Call DBS Butler Service at 1800 732 1000 anytime (AMEX Card only)
Free Miles ✓ Get bonus 10,000 air miles if you pay your annual fee when your annual spend does not exceed $25,000

2. DBS Treasures Black Elite Card

DBS-Treasures-Black-Elite-Card

Rewards Description
Miles ✓ 6X DBS Points (=2.4miles) per S$1 spent overseas and 3X DBS Points (=1.2miles) per S$1 spent
Free travel insurance ✓ S$1million travel accident insurance coverage for you and your family members
Premium Concierge Service ✓ Call DBS anytime to help you with anything from reservation to recommendations
American Express Selects® ✓ Enjoy shopping, dining travel privileges with AMEX global privileges

3. UOB PRVI Miles Platinum Card

UOB-PRIVI-Miles-Platinum-Card

Rewards Description
Miles ✓ Earn 2.5 Miles for every S$1 spent overseas or 1.6 miles for every S$1 spent locally
Bonus Miles ✓ Get bonus 20,000 miles when you spend $50,000 a year (equivalent to UNI$10,000)
Free travel insurance ✓ S$1million travel accident insurance coverage, travel inconvenience, overseas purchase protection and home protection
Complimentary Airport Transfer ✓ Enjoy a complimentary one-way limousine transfer from your home to Singapore Changi Airport when you charge a prior travel-related transaction (limited to air ticket bookings, hotel bookings or any travel packages from a travel or tour agency) of a minimum amount of S$500 in a single receipt; and posted to your UOB PRVI Miles Platinum American Express Card in advance, within 3 months prior to the date of travel.
Concierge Service ✓ For dinner reservations, gift suggestions, medical assistance and more, call their dedicated hotline at 1800 352 5222 for local assistance, or (65) 6352 5222 while you are overseas.
American Express Selects® ✓ Enjoy shopping, dining travel privileges with AMEX global privileges

4. OCBC Titanium Credit Card

OCBC-Titanium

Rewards Description
Miles ✓ Earn 2.5 Miles for every S$1 spent overseas and at local clubs such as The Butter Factory, The Pump Room, Timbre or 1.2 miles for every S$1 spent locally with min total spend of $1,500/month (Otherwise 3x OCBC$ for your overseas spend or 1x OCBC$ for your local spend)
Free travel insurance ✓ S$100,000 travel accident insurance coverage when you charge your airfare, travel or cruise package to your card
Rewards ✓ Redeem OCBC$ for travel deals
Priority ✓ Priority Entry at The Butter Factory, exclusive discounts at Peach Garden, Paradise Group and more. Priority booking for the biggest concerts
Limousine Service ✓ Complimentary use of Departure Limousine Service when you charge $1,500 a month

5. HSBC’s Revolution Credit Card

HSBC-Revolution-Card

Rewards Description
Rewards Point ✓ 5X rewards point for online, dining and entertainment transactions redeemable for HSBC's Vacation Vouchers
Discounts ✓ 9% off bookings on hotels, land packages tours and attractions. 6% cash rebate on your other travel bookings
Free gifts ✓ Charge at least $1,500 to redeem a American Tourister 2-way magic pillow, $2,500 for a 20 travel luggage or $3 000 for a 24" travel luggage"

6. Citi Premier Miles American Express®/VISA Card

Citi-PremierMiles-Card

Rewards Description
Miles ✓ Earn 2.5 Citi Miles with every S$1 spent on Singapore Airlines and Silk Air, 2 Citi Miles with every S$1 spent overseas or 1.4 Citi Miles with every S$1 spent locally (1.2 Citi Miles/S$1 Local for VISA)
Bonus Miles ✓ 15,000 Citi Miles when you renew your membership (10,000 for VISA)
Never Expired ✓ Citi Miles Never Expires
Hotel ✓ 7% off all bookings on Agoda
VIP Access ✓ Complimentary access to 600 VIP lounges twice a year
Global Recognition ✓ Offers at over 40,000 establishments worldwide
Travel Protection ✓ Up to $1,000,000 travel insurance for yourself ($50,000 for your child), Travel inconvenience, Medical Assistance Program, Travel Guard
American Express Selects® ✓ Enjoy shopping, dining travel privileges with AMEX global privileges (or VISA Signature privileges for VISA Card)
Worldwide Cash Withdrawal ✓ Use your Citi PremierMiles Visa Card to get instant cash advances (of up to 100% of your credit limit), from over 500,000 Visa PLUS ATMs worldwide

7. Citi Prestige Card

Citi-Prestige-Card

Rewards Description
Miles ✓ Earn 5 Citi Dollars (=2 Miles) for every S$1 spent overseas, and 3.5 Citi Dollars (=1.4 Miles) for every S$1 spent locally.
Relationship Bonus ✓ Be rewarded with additional Citi Dollars for your relationship with Citibank.
Welcome and Renewal Bonus ✓ Apply now and get 62,500 Citi Dollars (=25,000 miles)
Unlimited Airport Lounge Access ✓ Enjoy complimentary access to over hundreds of VIP airport lounges in cities around the world through Priority PassTM. No membership fees, no lounge pass fees – just present your Priority Pass membership card at the desk.
Special benefits at luxury hotel ✓ Receive special benefits and amenities at all Ritz-Carlton and Four Seasons hotels around the world. You will enjoy benefits such as complimentary breakfast for two daily,room upgrades (based on availability), early check-in and late check-out (based on availability), dining and spa credits* and a welcome amenity**
Golf Privilege ✓ 3 game per course per year in Singapore, Malaysia and China and complimentary green fees in Mexico, USA, Canada, Caribbean, Europe and Africa
Airport Limousine Service ✓ Enjoy complimentary one-way airport limousine transfers four times a year (with minimum spend)
Travel Protection ✓ Up to $1,000,000 coverage, overseas medical benefit, travel inconvenience benefits, purchase protection

8. Citibank Rewards Card

Citibank-Rewards-Card

Rewards Description
Miles ✓ Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites.
Rewards ✓ Get 15X Rewards (15 Rewards Points or 6 Miles for every $1 spend) for flight and hotel booking with Expedia
Travel Privileges ✓ Exclusive offers from Agoda, Emirates, Hotels.com and more.
Free Travel Insurance ✓ Enjoy complimentary travel insurance and hence peace of mind for you and your loved ones when you charge your airfare to your Citibank Rewards Card

9. SCB Tigerair Platinum Credit Card

SCB-TigerAir

Rewards Description
Free Air Tickets ✓ Get 2x one-way tickets from Tigerair
Travel Privileges ✓ Advance Seat Selection, Priority boarding, Free upgrade for baggage check in, Early access to hot deal fares for Tigerair

10. SCB Priority Banking Visa Infinite Credit Card

SCB-Priority-Infinite

Rewards Description
Miles ✓ 1 Air Miles for every S$1 spent
Travel Privileges ✓ Unlimited access to 600 Priority Pass airport lounges worldwide
Free Travel Insurance ✓ Enjoy complimentary travel insurance of $50,000 for you and your wife. Simply charge at least once when overseas
Lifestyle privileges ✓ Golf, travel, lifestyle, entertainment and private club access privileges

11. ANZ Travel Visa Signature Card

ANZ-Travel-Visa

Rewards Description
Miles ✓ Earn 1.4 air miles for every S$1 spent locally or 2.8 miles for every S$1 spent on direct flight booking with Qantas and Jetstar airlines or retail spend in Australia and New Zealand (1 Travel$ = 1 Air Mile)
Bonus Mile ✓ 10,000 bonus mile upon renewal
Limousine and Airport Lounge ✓ Complimentary airport limousine departure transfers and unlimited complimentary access to airport lounges around the world.
Free Travel Insurance ✓ Enjoy complimentary travel insurance of up to $1,000,000 for yourself and $100,000 for your spouse and child and travel inconvenience coverage
Global Privileges ✓ Enjoy dining, travel and shopping privileges in selected countries with ANZSpot

12. Maybank World MasterCard

Maybank-World-MasterCard

Rewards Description
Miles ✓ Earn 10X Treat Points (= 4 air miles) for every S$1 spent on selected retail, dining establishments and petrol stations islandwide
Privileges ✓ VIP Access to JetQuay, 5-star private terminal at Changi Airport
Golf ✓ Complimentary Green Fees at golf courses in the region and beyond
Points ✓ Treat Points never expire

13. Maybank Horizon Platinum VISA Card

Maybank-Horizon

Rewards Description
Miles ✓ Earn 5X Treat Points (= 2 air miles) for every S$1 spent on travel-related expenses
Privileges ✓ VIP Access to selected airport lounges
Free insurance cover ✓ Up to $1,000,000 travel insurance cover when you charge your air ticket or travel packages to your credit card
Discounts ✓ Exclusive savings at HotelClub.Com and Six Senses Hotel Resorts and Spas

14. CIMB VISA Infinite Card

CIMB-VISA-Infinite

Rewards Description
Priority Pass Membership ✓ Access to over 600 airport VIP lounges worldwide
Free insurance cover ✓ Get $1,000,000 travel insurance cover

15. American Express KrisFlyer Gold Card

American-Express-Krisflyer-Gold

Rewards Description
Miles ✓ Earn 1 Krisflyer point for every S$1.60 spent
Bonus Miles ✓ Earn 2 KrisFlyer miles* for every S$1.60 spent on selected Singapore Airlines tickets purchased at singaporeair.com and when you shop at KrisShop, in-flight or online
Welcome Bonus ✓ Get 5,000 KrisFlyer Miles for the first time you charge your card
Accelerator ✓ Get Bonus 50%+50% when you spent at least $5,000 and $12,000 in a year
Discount ✓ Enjoy up to 50% savings* with American Express Selects at a wide selection of restaurants in Singapore and around the world
Free insurance cover ✓ Up to $350,000 travel insurance cover when you charge your air ticket or travel packages to your credit card
Interest-free ✓ Get up to 51 days interest free purchase

16. American Express KrisFlyer Ascend Card

American-Express-KrisFlyer-Ascend

Rewards Description
Miles ✓ Earn 1 Krisflyer point for every S$1.20 spent
Bonus Miles ✓ Earn 2 KrisFlyer miles* for every S$1.20 spent on selected Singapore Airlines tickets purchased at singaporeair.com and when you shop at KrisShop, in-flight or online
Welcome Bonus ✓ Get 5,000 KrisFlyer Miles for the first time you charge your card
Additional Bonus ✓ Get up to 35,000 Bonus KrisFlyer Miles when you spent certain amount on your card
Accelerator ✓ Spend a minimum of S$1,000 in a calendar month, and receive a bonus of 300 KrisFlyer miles* for every additional S$500 you spend in the same month, with no cap to what you can earn!
Airport Lounge Access ✓ 4 complimentary access each year to any participating SATS Premier Lounge in Singapore and Plaza Premium Lounge around the world
Hotel Stay ✓ Complimentary night with Millennium Hotels and Resorts worldwide
Free insurance cover ✓ Up to $1,000,000 travel insurance cover when you charge your air ticket or travel packages to your credit card plus Travel Inconvenience

That is a long list of credit cards available for frequent travellers.

Summary of the best credit card for travel

For those who don’t want to go through each and every of them, heres’s a roundup of the miles:

Miles Bonus Miles
DBS Altitude 2M=S$1 (O/S), 1.2M=S$1 (L) 10,000M if you pay annual fees
DBS Treasures Gold Elite 2.4M=S$1 (O/S), 1.2M=S$1 (L)
UOB PRIVI Miles Platinum 2.5M=S$1 (O/S), 1.6M=S$1 (L) 20,000M when spent $50,000/year
OCBC Titanium 2.5M=S$1 (O/S and local clubs), 1.2M=S$1 (L)
Citi Premier AMEX/VISA 2.5M=S$1 (Singapore Airlines/SilkAir Expenses), 2M=S$1 (O/S), 1.4M/1.2M=S$1(L) 15,000M/10,000M when you renew
Citi Prestige Card 2M=S$1 (O/S), 1.4M=S$1 (L) Relationship bonus + 25,000M Welcome Bonus
Citibank Rewards Card 4M=S$1 (Bags/Clothes/Shoe/Shopping), 6M=S$1 (Expedia Booking)
SCB Priority Banking VISA Infinite 1M=S$1
ANZ Travel VISA Signature 2.8M=S$1 (Qantas,Jetstar, AUS/NZL Spend), 1.4M=S$1 (Local) 10,000 upon renewal
Maybank World MasterCard 4M=S$1 (Selected retail stores)
Maybank Horizon Platinum VISA Card 2M=S$1 (Travel-related expenses)
AMEX Krisflyer Gold 1M=S$1.6, 2M=$1.6 (SQ Ticket/Krisflyer store) 5000M upon sign up, 50%+50% on spend
AMEX Krisflyer Ascend 1M=S$1.2, 2M=$1.2 (SQ Ticket/Krisflyer store) 5000M upon sign up + 35,000M on spend + 300M/$500 spend

UOB PRIVI gave you the most miles for local spending while Citibank’s series of cards is equally as attractive with bonus miles on top of the usual rate.

AMEX KrisFlyer Ascend, on the other hand, offers the most enticing benefits with its free hotel stay, AMEX Selects® benefits, and additional bonus miles when you meet certain spending requirements. You need to be earning at least $50,000 a year to be eligible.

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