Back in June 2023, Revolut launched Ultra in Europe and the UK, its top-tier membership that stacks additional lifestyle and travel benefits on top of Revolut’s core functions, such as better FX rates and fee-free ATM withdrawals.
Three years later, it looks like Ultra is being readied for launch in Singapore. While there’s no official announcement yet, new FAQs and T&Cs have been uploaded to the Revolut Singapore website, and the Revolut app is already accepting applications for Ultra.
At S$899 a year, this will be the most expensive debit card in Singapore by far, but with perks like unlimited lounge access, complimentary data roaming, subscriptions to ChatGPT, Financial Times, Foodpanda, NordVPN and ClassPass/WeWork credits, it’s certainly able to give premium credit cards a run for their money.
Overview: Revolut Ultra
The platinum-plated Revolut Ultra sits at the pinnacle of Revolut’s four-tier hierarchy.
| Tier | Monthly Price | Annual Price |
 Ultra |
S$89.99 (S$80.99 for first 3 months) |
S$899 |
 Metal |
S$21.99 | S$219 |
 Premium |
S$10.99 | S$109 |
 Standard |
Free | Free |
Like all tiers, Ultra customers can choose between a monthly or annual subscription. The monthly plan costs S$1,053 in the first year (thanks to the introductory discount for the first three months), and S$1,080 thereafter, so the S$899 annual plan offers significant savings.
This is an interesting price point, as it places the Revolut Ultra between the S$120K and S$200K card segments — more expensive than a DBS Vantage (S$599.50) or Citi Prestige (S$651.82), but not as pricey as a StanChart Beyond Card (S$1,635) or AMEX Platinum Charge (S$1,712). This is worth keeping in mind, because it helps calibrate our expectations regarding benefits.
The option of monthly fees also gives the Revolut Ultra a key advantage over traditional credit cards, in the sense that you can subscribe when you need the benefits, and downgrade when you don’t.
| ⚠️ Early cancellation fees |
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A one-month early cancellation fee (S$89.99) applies if you cancel within the first six months. There is no fee if you cancel after six months. In case you were thinking of pulling a fast one by getting an Ultra, using its lounge benefits and cancelling within the 14-day free look period, think again — you’ll be charged for the lounge visits you use during this period. |
Ultra cardholders also enjoy the highest interest with Flexible Accounts (up to 3.86% APY) and lowest exchange fees for crypto (0.49%), if that sort of thing interests you.
1.5% cashback
Revolut Ultra cardholders earn 1.5% cashback on all spending, capped at S$89.99 per month (equivalent to just under S$6,000 of spending). The usual reward exclusions apply, such as charitable donations, education, insurance premiums, government services and utilities bills.
In any case, it isn’t very competitive for local spending, given that other cashback cards offer 1.6-2% — but you probably won’t be using the Revolut as your daily driver in Singapore anyway.
It’s significantly better for overseas spend, though it shouldn’t be a primary motivation for getting an Ultra.
| 💳 General Spending Cashback Cards (Without Min. Spends) |
||
| Card | Annual Fee | FCY Spend Net of FCY fee |
| Revolut Ultra |
S$899 | 1.5% Max S$89.99 cashback per c. month |
 Mari Credit CardApply via app with code 7KZX22QY |
None | 1.5% Max S$22.50 cashback per c. month Ends 31 Dec 26 |
 UOB EVOL CardApply |
None | 0.5-1% Ends 31 Dec 26 |
 ICBC Global Travel MastercardApply |
S$150 (First 3 Years Waived) |
0.5% |
 Trust Freedom CardApply via app with code 2GQEAM81 |
None | 0.5% |
Unfortunately, RevPoints haven’t made their way to Singapore yet, so there’s no option to earn miles with the Revolut.
Unlimited airport lounge access
Revolut Ultra cardholders enjoy unlimited access to LoungeKey lounges worldwide (LoungeKey and Priority Pass are basically the same). However:
- There is no guest allowance
- Cardholders are limited to one visit utilisation per two-hour period
- Non-lounge experiences like restaurants and spas are not included
Now, it’s worth noting that unlimited lounge access has largely disappeared from the S$120K segment — only the OCBC VOYAGE still offers it, but who knows how long that will last? Therefore, if this is a perk you value, and you don’t want to go into four-digit territory with the StanChart Beyond Card or AMEX Platinum Charge, the Revolut Ultra would be the next best alternative.
| Card | Annual Fee | Lounge Access |
| Revolut Ultra |
S$899 | Unlimited |
 OCBC VOYAGEApply |
S$488 | Unlimited Does not include restaurants |
 Citi Prestige CardApply |
S$651.82 | 12 CY Share |
 UOB Visa Infinite Metal CardApply |
S$654 | 12 MY Share |
 DBS Vantage CardApply |
S$599.50 | 10 MY Share |
 StanChart Visa InfiniteApply |
S$599.50 | 6 MY Share |
 Maybank Visa InfiniteApply |
S$654 | 4 MY No Share |
Unlimited airport fast track
Revolut Ultra cardholders enjoy unlimited complimentary DragonPass airport fast track passes for their own use. There is no need to purchase your air ticket with the Revolut card to enjoy this benefit.
The full list of participating airports can be found on the Revolut app, but some of the major ones which caught my eye are:
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How useful this is really boils down to where you’re travelling, and whether you have any “preferred traveller” privileges like the APEC Business Travel Card. Some airports you can basically waltz through, others can be Kafkaesque nightmares.
Monthly 5GB roaming data
Revolut Ultra cardholders receive an eSIM with 5GB of roaming data each month, which can be used in more than 100 countries.
It’s a useful perk for sure, though keep in mind that roaming data has become cheap and plentiful these days, and your local mobile plan might offer it anyway.
S$3,500 of fee-free ATM withdrawals each month
Revolut Ultra cardholders enjoy up to S$3,500 of fee-free ATM withdrawals each month, a significant step up from Metal (S$1,050), Premium (S$700) and Standard (S$350 or five withdrawals, whichever comes first).
A 2% fee (with a minimum of S$1.49) applies after the monthly limit has been reached.
Partner benefits
Revolut Ultra cardholders receive the following subscriptions included in the cost of their membership.
| Partner | Privilege | Monthly Price* |
| ChatGPT | 12 months of Go for 2 users | S$11 |
| ClassPass | 20 credits per month | ~S$2.20 per credit |
| Duolingo | Super | S$13.98 |
| Financial Times | Premium Digital | S$99 |
| Flo | Premium | S$11.99 |
| Foodpanda | Pandapro | S$5.99 |
| Freeletics | Coach | S$26.16 |
| Headspace | Premium | US$12.99 |
| Headway | Premium | S$17.98 |
| Laundryheap | S$15 credit per month | S$15 |
| Lovable | Lite | US$25 |
| Masterclass | Full access | S$16.05^ |
| NordVPN | Complete | S$5.79 |
| Picsart | Pro | US$15 |
| Sleep Cycle | Premium | S$10.99 |
| The Athletic | Subscription | US$2 |
| Tinder | Gold | S$56 |
| WeWork | 3 passes per month | Day passes in SG range from S$60 to S$75 |
| *Many of these plans offer additional savings if you commit to a year’s subscription ^I couldn’t find a monthly plan for this one, so I’m using the Plus tier as an illustration |
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While I’ve listed the monthly prices to give an idea of how much these would cost if you subscribed separately, you should only be considering the value of services you’d otherwise pay for. If you’re already paying for the Financial Times, for example, then Revolut would offer pure savings.
Mastercard World Elite benefits
The Revolut Ultra is notable for being the only Mastercard in Revolut’s Singapore line-up (the rest are all Visas) — and not just any Mastercard, but a World Elite Mastercard.
This includes the following benefits:
| 🏨 Hotel Elite Status | |
| 🚗 Rental Car Elite Status | |
| 👍Other Perks |
Revolut cardholders in Europe have long complained that despite their cards showing the World Elite badge, they’ve not been able to enjoy the associated perks (because apparently Revolut doesn’t want to pay for them).
The good news is that doesn’t appear to be the case in Singapore, as cardholders have confirmed they can register for World Elite benefits as per normal.
Revolut is planning its own lounges
Here’s another perk worth watching: Revolut recently teased the opening of the first Revolut Lounge in 2027, in the Schengen area of Copenhagen Airport.
There aren’t a lot of details yet, other than the fact that it’ll be run by the Plaza Premium Group. I would assume that Revolut Ultra cardholders get unlimited visits, with a limited number of free visits for Metal and paid access for all other tiers.
It won’t stop at just Copenhagen — Revolut is talking about a Revolut Lounge network with a “premium design” that will be rolled out to other major international airports. I wouldn’t hold my breath for one in Changi, however, given how space-constrained the airport already is. It’s more likely we’ll see them popping up in Europe, at least in the near term.
Conclusion
Revolut Ultra is set to launch in Singapore, giving customers a premium debit card alternative to traditional credit cards.
The way I see it, Ultra easily outperforms any of the S$120K cards — as it should, given its price point — but the make-or-break question is how much you value those subscriptions. I personally find ChatGPT, ClassPass, Financial Times, Foodpanda, NordVPN, Tinder and WeWork to be some of the biggest perks, though I probably still wouldn’t go for the Ultra tier, given that I already have unlimited lounge access and more than enough roaming data.
Revolut Ultra — yay or nay?
Dead on arrival IMHO
Nay
nay the biggest disadvantage it has no miles rewarded .. But for those who dont want to pay the extra 3 percent foreign currency charges seem like a good card for them
Even use for lounge access, it still not worth the price
If there is any bank or Card issuer lounge to be launched in Changi, the Centurion will be the top of the list given the number of members they have. I’m secretly hoping that someone in SG does what Capital One and Chase does in the USA given the absurd annual fee our equivalent card gets charged.
i doubt we’ll see a centurion lounge in SG till t5
What are the transfer limits for Revolut in Singapore now? I had an account when they launched here but due to the licensing limits with MAS the limits were tiny and basically
made it unusable.
100K per year, with a 20K limit, ie. you cannot “keep” more than the latter amount on the card, even if you spend less than 100K per year. One positive thing about Revolut compared to Wise/Youtrip is that you can easily see how much you spent in a given period, giving you a better overview on what is left in the MAS approved 100K yearly limit. With Wise for instance, you need to manually calculate by extracting monthly spreadsheets, which is cumbersome.
Cashback cap is slightly incorrect.
2.1. Revolut reserves the right to amend the rate of cashback payable generated through Revolut Transactions at any time. The maximum Metal cashback you are entitled to is capped at S$21.99, the maximum Ultra cashback you are entitled to is capped at $89.99.
They must have just updated that, this morning it was 19.99. Will update the post, thanks!
fyi Revolut has a weekend FX surcharge, 1.5% I believe.
yeah quite common among the wallet-based cards like amaze + youtrip as well, though i believe 1% is the benchmark
Free plan is 1%, paid plans are all 0%.
Not at all interested at this price point….even if some of the apps may appeal to me.
FT subscriptions can be had for much, MUCH less than SGD99 per month. I have an annual subscription, which sets me back SGD459 per year.
Not too impressed with the other “features” either, as I know I would not use most of them, and I think the same would be true for most people.
just using FT + classpass credits for food will breakeven already.
Looks like a card for digital nomads
According to the “Airport Lounge Passes” page of Revolut, you can buy a pass for a guest and enter the lounge together. It doesn’t say guests, so not clear if it’s 1 or more guests.
But if you can have unlimited visits with a family, that increases the value significant IMHO.
Wishful thinking…
Given that it’s not too hard to get a 1% cashback card with no forex, it means that holders will need to spend almost 150k a year just to breakeven on the AF. Even if we value the perks so much to discount AF to 2/3, it’s still 100k a year to breakeven.
LOL nay.
Hope you will review the 120k showdown 2026
LoungeKey with Revolut Ultra doesn’t include restaurants, unfortunately. Or any of the non-lounge options (eg. those arcade/gaming places at LAX, and spas)… it’s only for lounges shown in the app.