Best Credit Cards for Travel Booking in Singapore

Pricing claim based on comparative data for select airports and passes. Live pricing is subject to exchange rate fluctuations.
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Booking travel usually means paying for flights, hotels, tours, transport or packages. Using a credit card for these payments is secure and convenient - plus, some credit cards offer miles, cashback, travel insurance or lounge perks. However, as fees, caps, exclusions and FX charges can reduce the value of these benefits, you’ll still need to weigh up different cards to pick the right ones for your spending.

This guide walks through the top credit cards for travel booking in Singapore. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

Best Credit Cards for Travel Booking in Singapore

*Details correct at time of research - 12th May 2026

Quick picks for different travel needs

Here’s a quick summary of our take on some of the best credit cards for travel booking in Singapore - there’s more detail on each coming right up:

• Best credit card for hotel booking: Citi PremierMiles, UOB PRVI Miles
• Best credit card for flight booking: KrisFlyer UOB, OCBC 90°N
• Best credit card for online travel booking: DBS Woman's World Credit Card
• Best credit card for overseas travel spend: HSBC Revolution
• Best credit card for flexible travel rewards: HSBC TravelOne
• Best credit card for Singapore Airlines booking: KrisFlyer UOB
• Best credit card for category-based travel spend: UOB Lady’s Card
• Best alternative for foreign currency spending: Wise card

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Citi PremierMiles

Best for: Travel booking through Citi bank website

You can earn up to 10 Citi Miles for every dollar spent on Kaligo and 7.2 Citi Miles for every dollar on Agoda hotel bookings when using Citi’s website. You can also get other exclusive partner deals and pay for travel using your miles and reward points if you choose to. Foreign transaction fees apply to overseas spending, including digital spend.

Main features
Earn rate: 1.2 miles per dollar locally, 2.2 overseas
Additional perks: Up to 10 miles per dollar on travel bookings
Travel insurance: Included
Lounge access: 2x annually
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: Miles do not expire
Eligibility: 21 or older, income 30,000 SGD (Singaporean/PR) or 42,000 SGD (Foreigner) a year

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UOB PRVI Miles

Best for: Worldwide travel and overseas earning

The UOB PRVI Miles is a premium card which has attractive miles earning options for travel bookings, as well as partnerships with providers like Rakuten Travel, Trip.com, individual hotels and duty-free services for discounts and offers. A foreign transaction fee applies, including when you spend online in a foreign currency.

Main features
Earn rate: 1.3 miles per dollar locally, up to 3 overseas
Additional perks: Up to 8 miles per dollar on travel bookings
Travel insurance: Included
Lounge access: 4x annually
Annual fee: 261.60 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: 2 years from issue¹⁴
Eligibility: 21 or older, income 15,000 SGD - 30,000 SGD (Singaporean/PR) or 40,000 SGD (Foreigner) a year

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OCBC 90°N

Best for: Regional rewards and discounts

The OCBC 90°N card has options to earn unlimited rewards which do not expire, with partner deals with Agoda which allow you to get 7 miles per dollar spent. There are also variable cashback offers overseas, which at the time of writing cover spending in Japan, Korea and Hong Kong. Foreign transaction costs apply, including on online spend.

Main features
Earn rate: 1.3 miles per dollar locally, up to 2.1 overseas
Additional perks: Up to 7 miles per dollar on travel bookings
Travel insurance: Not included
Lounge access: Optional Dragon Pass, which may offer lounge access depending on card selected
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: No expiry
Eligibility: 21 or older, income 15,000 SGD - 30,000 SGD (Singaporean/PR) or 45,000 SGD (Foreigner) a year

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HSBC Revolution

Best for: HSBC customers looking to maximize rewards

The HSBC Revolution card is designed to allow you to earn more rewards if you use a broad range of HSBC products and services. Rewards can max out at 20x if you use several products and hold 50,000 SGD or more in savings or investments with HSBC. Foreign transaction fees apply to overseas spending, including digital spend.

Main features
Earn rate: Up to 10x rewards
Additional perks: Get additional rewards if you open other HSBC products
Travel insurance: Included
Lounge access: Not included
Annual fee: No annual fee
Foreign currency transaction fee: 2.25% foreign transaction fee
Rewards/miles expiry: 37 months after earning¹⁵
Eligibility: 21 or older, variable income for Singaporean/PR, depending on HSBC relationship balance or 65,000 SGD (Foreigner) a year

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👀 Looking for a travel card to maximise your overseas spending? See how Wise compares with other multi-currency cards like Revolut and Youtrip in Singapore.

💳 Click here to order a Wise card

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DBS Woman's World Credit Card

Best for: Hotel booking from Singapore

The DBS Woman's World Credit Card has discounts and partner offers with local stores, hotels and restaurants, and travel deals with Agoda, Emirates and Legoland Malaysia. You can earn high rewards for online spending in particular, but it’s important to note that foreign transaction fees apply if spending with an international retailer.

Main features
Earn rate: Up to 4 miles per dollar online, up to 1.2 overseas
Additional perks: Partner deals with Agoda and Emirates
Travel insurance: Not included
Lounge access: Not included
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: 12 months from issue¹⁶
Eligibility: 21 or older, income 15,000 SGD - 30,000 SGD (Singaporean/PR) or 45,000 SGD (Foreigner) a year

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KrisFlyer UOB

Best for: Flight booking with SIA

The KrisFlyer UOB card can be a good choice for people who use SIA services, including Singapore Airlines, Scoot, and KrisShop, frequently. There are high-mile rewards if you spend 1,000 SGD annually with SIA, as well as extra perks on travel spending.

Main features
Earn rate: 2.4 miles per dollar on dining, food delivery, online shopping, online travel and transport (minimum spend); and 1.2 miles on everything else
Additional perks: 3 miles per dollar on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago
Travel insurance: Included
Lounge access: Not included
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: 2 years from issue
Eligibility: 21 or older, income 15,000 SGD - 30,000 SGD (Singaporean/PR) or 40,000 SGD (Foreigner) a year

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HSBC TravelOne

Best for: Instant points usage

The HSBC TravelOne has instant redemption options to let you use your miles as and when you like. Travel perks include lounge access and insurance and higher point earning on overseas spend - foreign transaction fees apply on and offline.

Main features
Earn rate: 1.2 miles per dollar locally, up to 2.4 overseas
Additional perks: Instant points redemption on travel
Travel insurance: Included
Lounge access: 4x annually
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 2.25% foreign transaction fee
Rewards/miles expiry: 37 months after earning
Eligibility: 21 or older, variable income for Singaporean/PR, depending on HSBC relationship balance or 65,000 SGD (Foreigner) a year

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UOB Lady’s Card

Best for: Category based rewards

The UOB Lady’s Card lets you select categories every quarter to earn additional rewards on spending, with even more opportunity to earn if you also save with a UOB account. Overseas spending can be selected as a reward category - but a 3.25% foreign transaction fee still applies.

Main features
Earn rate: Up to 10 miles per dollar, if you also have a savings account
Additional perks: Overseas spend can be selected to earn extra rewards
Travel insurance: Not included
Lounge access: Not included
Annual fee: 196.20 SGD annual fee
Foreign currency transaction fee: 3.25% foreign transaction fee
Rewards/miles expiry: 2 years from issue
Eligibility: 21 or older, income 15,000 SGD - 30,000 SGD (Singaporean/PR) or 40,000 SGD (Foreigner) a year

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How to choose a credit card for travel booking

The best credit card for travel booking depends on what you’re booking and how you need to pay. Some cards offer extra rewards for payments on flights, hotels, packages, tours or transport, but you may need to book directly through the bank’s partners to benefit.

Once you’ve decided which card to use you’ll also want to check the reward and bonus eligibility - for example you might need to hit a minimum spend on a specific category, or be subject to reward caps.

Finally, you’ll also need to consider whether you’re paying in SGD or foreign currency, as overseas payments are likely to have a foreign transaction fee of around 3.25%. Weigh up these extra costs to decide whether the FX fees outweigh the rewards.

Miles, Cashback or Rewards: Which is better for travel booking?

Earning credit card miles for direct use on flights may suit frequent travellers, while cashback is simpler to value, and points may offer flexible redemptions, which makes them attractive to people unsure about which benefits they’ll want the most.

Bear in mind, though, that bonus rewards may have caps or conditions, such as a minimum spend amount, and annual card fees and FX fees on overseas spend can reduce the value of the perks you earn.

Fees to watch when booking travel with a credit card

Before booking your overseas travel with a credit card, check out foreign transaction costs which apply when spending overseas, both in person and online. These costs can be around 3.25% on top of your base spending - pushing up the price of your trip.

Credit Card vs Wise Card for Travel Booking and Overseas Spend

Instead of using your credit card for travel booking in Singapore, a Wise card can allow you to cut FX fees and pay upfront. Here’s a quick side-by-side comparison of each option:

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

Travel credit cards can help you earn miles, cashback and rewards when booking flights and hotels. But once you start spending overseas, foreign transaction fees of around 2.25% to 3.25% can quickly add up. Consider using your credit card smartly at home, and pop the Wise card in your wallet the next time you’re overseas.

The Wise card lets you spend in 40+ currencies at the mid-market rate including MYR, JPY, CNY, and USD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up SGD to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 8.50 SGD. Having a physical Wise card allows you to make chip and pin payments, as well as free ATM withdrawals up to the value of 100 SGD each month, before low fees start.

While abroad, you can choose to spend with directly in SGD and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.26%.

Plus, you can activate Wise Interest to earn returns* on your SGD and other currencies, meaning your travel money could be growing right up until you spend it.

*Growth is not guaranteed. Capital at risk.

💳 Get your Wise card

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Sources:

1. Citi PremierMiles
2. Citi cardmembers agreement
3. UOB PRVI Miles
4. UOB cardmembers agreement
5. OCBC 90°N
6. OCBC card fees
7. HSBC Revolution
8. HSBC fees
9. DBS Woman's World Credit Card
10. DBS card fees
11. KrisFlyer UOB
12. HSBC TravelOne
13. UOB Lady’s Card
14. UOB FAQ
15. HSBC rewards terms
16. DBS points expiry