The best travel credit card in Singapore depends on which part of the trip you want it to pay for. For booking flights and hotels, HSBC Revolution and the UOB Lady’s Card (Travel category) pay 4 miles per dollar, but only on about S$1,000 a month. For lounge visits, UOB PRVI Miles and HSBC TravelOne list four a year and DBS Vantage ten. Abroad, the foreign currency fee matters more than any perk.
No card leads on all three. This guide sets booking rates and travel perks side by side with the fees that pay for them, using the banks’ own pages as at November 2026. We are not paid by any issuer.
How We Compared
We read the card pages of the main Singapore issuers and kept cards that state at least one standing travel benefit: a bonus rate on airline and hotel bookings, complimentary lounge visits, complimentary travel insurance, a higher rate on foreign currency spend, or a lower foreign currency fee.
Sign-up gifts and dated offers are ignored. Citibank and UOB list bonus rates for bookings made through specific partner links, with end dates; those change, so we do not quote them.
Two specialist pages go deeper. Our air miles credit card comparison ranks cards on miles per dollar, conversion fees and expiry, and includes the OCBC 90°N Card, left out here because we could not confirm a current lounge or insurance benefit on OCBC’s page. Our guide to the best credit cards for overseas spending works out what the foreign currency fee costs you per mile.
Credit Cards for Flights and Hotels Booked in Singapore Dollars
Flights and hotels are large single charges, so the monthly cap matters more than the headline rate. None of these rates needs a minimum spend.
| Card | Rate on flights and hotels | Cap | Annual fee | Minimum income |
|---|---|---|---|---|
| HSBC Revolution | Up to 4 miles per $1, online or contactless | 9,000 bonus points a month (about $1,000) | Waived | $30,000 or $65,000* |
| UOB Lady’s (Travel category) | 4 miles per $1 | $1,000 of spend a month | $196.20, first year waived | $30,000 |
| UOB PRVI Miles | 1.4 miles per $1 | None stated | $261.60, first year waived | $30,000 |
| DBS Altitude | Up to 1.3 miles per $1 | None stated | $196.20, first year waived | $30,000 |
| Citi PremierMiles | 1.2 miles per $1 | None | $196.20, first year waived | $30,000 |
| HSBC TravelOne | Up to 1.2 miles per $1 | None stated | $196.20 | $30,000 or $65,000* |
| Standard Chartered Journey | 1.2 miles per $1 | None | $196.20, first year waived | $30,000 |
*HSBC lists $30,000 for salaried existing customers who hold at least $50,000 with the bank, and $65,000 otherwise.
HSBC Revolution pays the bonus on airlines (MCCs 3000 to 3350 and 4511), lodging (3501 to 3999 and 7011), car rental and cruise lines. Travel agencies and tour operators are excluded. The 4 miles assumes a partner that converts 25,000 points to 10,000 miles, such as Asia Miles; HSBC lists 30,000 points for 10,000 KrisFlyer miles. See the HSBC Revolution Card review.
UOB Lady’s Card covers airlines, hotel and resort bookings and duty-free stores on its Travel category. You hold one category a quarter, so Travel displaces dining or groceries, and UNI$ expire two years from the end of the quarter they were earned. See the UOB Lady’s Card review.
Citi Rewards is often assumed to work because it earns 10X points online, but Citi’s page says travel-related transactions may not qualify. The Citi Rewards Card review covers what does.
If a hotel charges in foreign currency, the card’s overseas rate and its foreign currency fee apply instead. DBS, for instance, states a total fee of 3.25% on the converted amount.
A Worked Example: Two $2,000 Bookings
Illustration only. An illustrative couple spends $4,000 a year on flights and hotels in Singapore dollars, as two $2,000 bookings in different months.
- Capped card (HSBC Revolution or UOB Lady’s): each booking earns 4,000 miles on the first $1,000 and 400 on the rest. That is 8,800 miles a year, a blended 2.2 miles per dollar.
- Uncapped card: UOB PRVI Miles earns 5,600 miles, DBS Altitude 5,200, and the 1.2 cards 4,800.
As four $1,000 charges in four months, the capped card would earn 16,000 miles. As one $4,000 booking, it earns 5,200, the same as DBS Altitude.
The short version: For bookings, a 4 miles per dollar card wins on spend up to about $1,000 a month. For perks, count only the lounge visits and insurance you would otherwise pay for. Abroad, the foreign currency fee outweighs both.
Travel Perks Compared: Lounges, Insurance and Fees
Annual fees include GST. Income is for Singaporeans and PRs aged 55 and below.
| Card | Overseas rate | Foreign currency fee | Lounge visits a year | Insurance stated | Annual fee | Minimum income |
|---|---|---|---|---|---|---|
| UOB PRVI Miles | 2.4 miles (3 in four ASEAN countries) | 3.25% | 4 | Yes | $261.60, first year waived | $30,000 |
| HSBC TravelOne | 2.4 miles | 2.25% + up to 1% | 4 | Yes | $196.20 | $65,000* |
| DBS Altitude | 2.2 miles | 3.25% | 2 (Visa Signature) | Not stated | $196.20, first year waived | $30,000 |
| Citi PremierMiles | 2.2 miles | Up to 3.25% | 2 | One card version only | $196.20, first year waived | $30,000 |
| Standard Chartered Journey | 2 miles | 3.5% | 2 (period not stated on the card page) | Yes | $196.20, first year waived | $30,000 |
| DBS Vantage | 2.2 miles | 3.25% | 10 | Not stated | $599.50 | $120,000 |
| UOB EVOL | Cashback card | 0% | None | Not stated | None | $30,000 |
*See the note under the bookings table.
UOB PRVI Miles lists four lounge visits a calendar year for the principal cardholder, plus personal accident cover of $500,000 on public conveyances and emergency medical assistance of up to $50,000. Its fee is the highest among the standard cards.
HSBC TravelOne matches the four visits and states cover of up to $150,000 for overseas medical expenses when the full air ticket is charged to the card. The fee is waived from year two only above $25,000 of yearly spend.
DBS Altitude gives two visits each membership year on the Visa Signature version; DBS’s page does not describe travel insurance. See the DBS Altitude review.
Citi PremierMiles gives two visits a calendar year, and a guest counts as one of them. Citibank says insurance applies only to the World Select Mastercard version and needs registration before departure. See the Citi PremierMiles review.
Standard Chartered Journey states the largest insurance figure, up to $500,000, with two lounge visits, but the lowest overseas rate and the highest foreign currency charge here.
DBS Vantage gives ten lounge visits and credits 25,000 miles when the $599.50 fee is charged, which prices each mile at about 2.4 cents before counting the visits.
UOB EVOL has no miles, lounge or insurance. It is here because UOB lists 0% foreign currency fees on overseas spend, with no annual fee and no minimum spend needed for the 0%. A 1% fee still applies to Singapore dollar charges processed overseas.
What the perks are worth depends on use. PRVI Miles at $261.60 buys four lounge visits; at the US$35 a visit UOB charges for guests, that is US$140, and only if you would have paid for them.
How to Choose the Best Travel Credit Card for Your Trips
- Booking flights and hotels in Singapore dollars: compare your usual booking with the $1,000 cap. Check how your airline, hotel or booking site appears on a past statement; that hints at its merchant category.
- Two or more trips a year, and you use lounges: count the visits you will really take and compare them with the annual fee.
- Relying on card insurance: check that the fare must be charged to the card, the medical limit and the exclusions, and compare with a standalone policy in our travel insurance comparison.
- Mostly shopping and dining abroad: the foreign currency fee matters more than the perks; see the overseas spending card guide.
- Collecting towards one airline programme: earn rates, transfer partners and conversion fees are in the air miles card comparison.
When a Travel Card Is the Wrong Tool
If you travel once a year and book in a single charge, the cap makes the bonus cards ordinary, and a fee of $196.20 or more is hard to earn back from two lounge visits. A no-fee card and a standalone travel policy may cost less.
A trip is also a large sum to carry. The banks here charge 27.8% to 27.9% a year on unpaid balances, as MoneySense explains. One month’s interest on a $2,000 booking is about $46, more than the 4,400 miles it earned are likely to be worth. The debt payoff calculator shows the cost of paying a trip off slowly.
What To Do Next
- Count last year’s bookings, lounge visits and foreign currency spend. Those numbers decide which perk matters.
- Check the bank’s page for the current lounge allowance, insurance terms and any promotion. Promotions change often and are not counted here.
- Put a value on your miles with the cashback vs miles calculator.
- Compare all card types on the best credit cards in Singapore page, or by issuer: UOB, HSBC, DBS, Citibank and Standard Chartered.
