Foreign Currency

Most banks consider foreign currency transactions to be any transaction carried out in foreign currency. The exception is UOB, which adds the requirement that the transaction be processed by a payment processor located outside of Singapore. For example, if you book a Hotel on Hotels.com.sg and are charged in USD, you may still only earn miles on the UOB PRVI Miles at the local rate (1.4 mpd) if Hotels.com.sg processes your payment in Singapore. In practice it is difficult to know ex-ante where the processing takes place. 




Min Income
Annual Fee

$150,000

$588.50

Standard Chartered Visa Infinite

A high end card that can earn significant bonuses for overseas spending
  • Earn up to 1.4 mpd on local spend and 3.0 mpd on overseas spend with a minimum spend of $2,000 in a month (1.0 for both otherwise)
  • Earn 35,000 welcome miles when you pay the annual fee of $588.50
  • 6 free lounge visits per membership year and 10% rebate on Uber rides

more details

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Min Income
Annual Fee

$50,000

$214

UOB Visa Signature

The highest miles earned of all cards on overseas spending
  • Earn 4 mpd on overseas currency transactions with a minimum of $1,000 overseas spending in a statement period (may not be calendar month), capped at $2,000 per month
  • Also earn 4 mpd on petrol, contactless and online foreign currency payments
  • Remember that UOB's definition of foreign currency/overseas spending requires the transaction to be processed outside of Singapore

more details

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Min Income
Annual Fee

$30,000

$192.60

DBS Altitude AMEX

Good general spending card with low income requirement and special bonus on flights and hotels.
  • Earn 1.2 mpd on local spending, 2 mpd on overseas spending and 3 mpd for the first $5,000 spent each month on online hotels and flights,
  • Get upsized miles with Expedia (6 mpd) and Kaligo (10 mpd), capped at $5,000 of spend each month
  • DBS points earned through this card never expire (once transferred to Krisflyer they have 3 year validity)
  • Complimentary travel insurance when you charge your airfares to this card

more details

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Min Income
Annual Fee

$30,000

$192.60

DBS Altitude Visa

A good general spending card with a low income requirement, 2 free airport lounge visits and a bonus on hotel and airline purchases.
  • Earn 1.2 mpd on local spending, 2 mpd on overseas spending and 3 mpd for the first $5,000 spent each month on online hotels and flights,
  • Get upsized miles with Expedia (6 mpd) and Kaligo (10 mpd), capped at $5,000 of spend each month
  • Get 2 complimentary annual visits to any of the thousands of Priority Pass lounges around the world
  • DBS points earned through this card never expire (once transferred to Krisflyer they have 3 year validity)

more details

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Min Income
Annual Fee

$50,000

$256.80 (First Year Free)




UOB PRVI Miles AMEX

An excellent general spending card with complimentary airport transfers and up to 20,000 bonus miles a year
  • From now till 28 Feb 2018, get an $80 activation gift by being among the first 400 successful applicants to spend $600 within 30 days of approval. New UOB cardholders only, T&C apply
  • Earn 1.4 mpd on local spending and 2.4 mpd on overseas spending, without cap, 6 mpd at Expedia, Agoda and UOB Travel (selected airlines), and 10 mpd on Kaligo
  • Spend $50,000 within a membership year and earn 20,000 bonus miles
  • Enjoy up to 8 complimentary transfers to Changi Airport each calendar year, each with a minimum $1,000 overseas spend within a quarter

more details

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Min Income
Annual Fee

$50,000

$256.80 (First Year Free)

UOB PRVI Miles Mastercard

One of the best general spending cards for local and overseas use.
  • From now till 28 Feb 2018, get an $80 activation gift by being among the first 400 successful applicants to spend $600 within 30 days of approval. New UOB cardholders only, T&C apply
  • Earn 1.4 mpd on local spending and 2.4 mpd on overseas spending, without cap, 6 mpd at Expedia, Agoda and UOB Travel (selected airlines), and 10 mpd on Kaligo
  • This is a World Mastercard, so you get to enjoy special privileges like the fourth night free with selected SPG resorts and a US$100 hotel credit among other things

more details

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Min Income
Annual Fee

$120,000

$535



Citi Prestige Card

A high end card that features an excellent host of benefits such as unlimited lounge access, airport transfers and the fourth night free at any hotel around the world
  • Earn 1.3 mpd on local spending, 2.0 mpd on overseas spending, 10 mpd on Kaligo. A 5-30% bonus is applied to your annual spending to derive additional bonus points, depending on your tenure with Citibank
  • A host of other perks await- unlimited Priority Pass lounge access for you and a guest, 8 airport transfers, fourth night free at any hotel around the world and unlimited WiFi access worldwide via Boingo and a 24 hour concierge for example
  • Also get ad-hoc exclusive Citibank promotions such as the 1 for 1 $100 Gourmet
  • I did a recent comparison of premium credit cards in Singapore and the Citi Prestige came out on top. Have a read of that post here

more details

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Min Income
Annual Fee

$50,000

$192.60 (First Year Free Option)

Citibank Premiermiles Visa

A great sign up offer and the widest range of airline partners of any bank in Singapore
  • New Citibank cardholders can earn 42,000 miles when they spend $10,000 in the first 3 months after approval and pay the annual fee of $192.60
  • Earn 1.2 mpd on local spending, 2 mpd on overseas spending (boosted to 3.5 mpd until 31 Jan 2018), 3 mpd on Expedia, 6 mpd on Agoda and 10 mpd on Kaligo
  • Most banks offer just Krisflyer and Asiamiles- Citibank offers those plus the chance to earn miles with Qantas, Qatar Airways, Etihad, Thai, EVA, Garuda, Malaysia Airlines, British Airways, Air France, and KLM
  • Citibank doesn't forget about existing cardmembers either- in June 2017 they ran a promotion allowing members to buy miles at 0.76 cents each, an unheard of price
  • Note that Citibank points do not pool. If you earn points across different Citibank cards you'll need to pay separate conversion fees when you convert them to miles

more details

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Min Income
Annual Fee

$80,000

$256.80 (First Year Free)

UOB PRVI Miles Visa

Excellent local and overseas general spending card, and it's a Visa Infinite in disguise too.
  • From now till 28 Feb 2018, get an $80 activation gift by being among the first 400 successful applicants to spend $600 within 30 days of approval. New UOB cardholders only, T&C apply
  • Earn 1.4 mpd on local spending and 2.4 mpd on overseas spending, without cap, 6 mpd at Expedia, Agoda and UOB Travel (selected airlines), and 10 mpd on Kaligo
  • Although not marketed as such, this card is actually a Visa Infinite which gives access to special privileges such as accelerated Hilton status and the Visa Luxury Hotels Collection
  • If your income isn't high enough for this card, try the UOB PRVI Miles AMEX or PRVI Miles Visa instead ($50,000)

more details



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