A warrior is not complete without his weapon, just as a traveller should not be without his travel essentials. A travel credit card is a vital weapon to a frequent traveller, and picking the right weapon for oneself can put forth a huge advantage in a battle. Just like a warrior, one should pick a weapon to complement his strengths and personality so as to maximise the benefits and advantages.
If you’re a frequent traveller, whether for work or play, you should already own a travel focused credit card. But if you don’t, fret not! Cardable has compiled a list of travel credit cards in Singapore to help you in your selection process, identifying the key features and perks you should watch out for. Think about your spending habits, travel patterns and personality while you cruise through this discussion. Do you prefer using your card on overseas transactions? Are miles or cash back your preferred perk? Do other travel-related benefits like insurance and priority pass to airport lounges appeal to you?
Let us get down to the details with a summary of the travel credit cards we will cover.
|Credit Card||Key feature||Best for…|
|Citi PremierMiles VISA Credit Card||
||Points with no expiration date travel card|
|ANZ World Optimum MasterCard||
||Cashback travel card|
|AMEX Singapore Airlines KrisFlyer Card||
||No conversion travel card|
|HSBC VISA Infinite Card||
||Insurance travel card|
|Standard Chartered VISA Infinite Card||
||Priority pass travel card|
|DBS Altitude AMEX Card||
||Bonus air miles travel card (yearly bonus)|
|OCBC Titanium MasterCard||
||Easily convertible reward points travel card|
|UOB PRVI Miles VISA Credit Card||
||High air mile earn rate travel card|
Best for: Points with no expiration date travel card
Once your application for the Citi PremierMiles VISA Credit Card is approved, you can start earning as much as 42,000 Citi Miles – in just a few months’ time.
You can also earn 10 Citi Miles for every SGD $1 on online travel bookings! For every SGD $1 you spend, you’ll also get Citi Miles. That’s 1.2 Citi Miles (for local spend) and 2 Citi Miles (for overseas spend).
The most attractive factor with the Citi Premiemiles VISA credit card is that these miles come with no expiration date. If you make most of your travel bookings online and do not want to keep up with the expiration dates for your miles, this card may be a good fit.
2. ANZ World Optimum MasterCard
Best for: Cashback travel card
And, as a cardholder, you have the right to choose a cashback category. If you go with ‘Travel’, 5% cashback is yours!
Note: In light of the DBS ANZ transfer, all ANZ cards will be replaced by DBS/POSB cards. See DBS ANZ Transfer FAQ for more details. Read on to find out other great cards to consider!
Best for: No conversion travel card
If you often fly SilkAir and Singapore Airlines or they are your preferred choices when it comes to flights, the AMEX Singapore Airlines KrisFlyer Card is probably the best choice for you! For every SGD $1 of in-flight (or online) spending – at silkair.com, singaporeair.com, SilkAir SkyShop, and KrisShop, you’ll receive KrisFlyer Miles. These KrisFlyer Miles will also be auto-credited to your KrisFlyer account.
Another attractive factor about this card is the additional travel perks, such as discounted walk-in rates at Premium Plaza lounges, and travel insurance coverage. For every SGD $1, you’ll also get 2 KrisFlyer Miles for every SGD $1 (overseas spend) and 1.1 KrisFlyer Miles for every SGD $1 (local spend).
Best for: Insurance travel card
The appeal factor that makes the HSBC VISA Infinite Card one of the best travel credit cards is the insurance coverage it offers. It offers worldwide travel insurance that can go up as much as US $2 million!
You’ll get relatively high air miles, too. 2.25 air miles are yours for every SGD $1 on overseas spend. 1.25 air miles are yours for every SGD $1 on local spend.
If travel insurance is a top priority for you, you should definitely consider this card is one of your choices.
Best for: Priority Pass travel card
Travelling in comfort can be a very crucial factor to some frequent flyers, due to the amount of time they spend travelling to, from and at airports, and in flights. If you identify with this need, perhaps the Standard Chartered VISA Infinite Card is what you’re looking for.
As a Standard Chartered VISA Infinite Card holder, you’ll get to enjoy up to six complimentary visits to Priority Pass airport lounges annually! What’s more, you get to receive cash rebates on worldwide Uber rides as well.
The miles you can earn are pretty impressive too. You’ll get 1.4 air miles (local spend) and 3 air miles (overseas spend) for every SGD $1 spent.
Best for: Bonus air miles travel card (yearly bonus)
A traveller could really use bonus miles, right? With the DBS Altitude AMEX Card, you’ll receive 10,000 air miles as annual bonus if you choose to pay the annual membership fee.
The DBS Altitude AMEX Card also has partnerships with Expedia and Kaligo. If you frequently book through these sites, you’ll be glad to know that every S$1 spend at Expedia and Kaligo lets you earn 9 miles and 13 miles respectively!
Otherwise, earn 3 air miles for online flight and hotel transactions (for selected websites) with every S$1 spent, capped at S$5,000 monthly. You’ll also receive 2 air miles for every S$1 of overseas spend, and 1.2 air miles for every S$1 local spend.
ALSO READ: Expedia Credit Card Promotions in Singapore
Best for: Easily convertible reward points travel card
Did you know that you can easily convert OCBC$ into air miles – KrisFlyer Miles, to be exact? Signing up for the OCBC Titanium MasterCard is the first step. With the card, 10,000 OCBC$ is equal to a whopping 4,000 KrisFlyer Miles!
You’ll also receive 1 air mile for every S$1 local spend, and 2 air miles for every S$1 overseas spend.
Best for: High air mile earn rate travel card
Of course, if your main focus is still to earn as many miles as possible, this last card we want to talk about may just be The One. The UOB PRVI Miles VISA Credit Card is amazing in this aspect, with the simple, key feature that you earn 6 miles with every S$1 spent!
By using the UOB PRVI Miles VISA card when you spend on hotels and major airlines through selected sites (see T&Cs here) such as Agoda and Expedia, you’ll get 6 air miles. You’ll also receive 1.4 miles (for local spend) and 2.4 miles (for overseas spend) with every S$1 earned. Sounds like a pretty awesome deal to us!
Your choice of travel credit card
We hope this has helped you to decide, or at least narrow down your choices on an appropriate travel credit card. The card features and perks can be intimidating to tackle, so take your time to digest the information before you take the plunge.
Another tip to share, several cards offer miles in their own “currency” and will require a conversion to air miles for a particular Frequent Flyer programme (eg. KrisFlyer miles). These miles may or may not equate to the same number of miles in the Frequent Flyer programme of your choice, so do keep a lookout for that!
Let us know your choice of weapon if you do decide on one! If you feel like you need more help in visualising your spend and reward, take a look at our article on Comparison of Air Miles Credit Cards in Singapore as well.
Feel free to comment below to share your experiences with any of these travel credit cards.