• Best Credit Cards for Overseas Spending

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    Best Credit Cards for Overseas Spending

    When choosing a credit card for overseas spending take the below mentioned factors into consideration. Using your credit card overseas will result in various charges such as:

    Best Credit Cards For Overseas Spending
    • Foreign currency exchange rates charged by MasterCard, Visa and American Express
    • Fixed administrative fees charged by the credit card company
    • Conversion fees

    Some banks in Singapore offer conversion fee and administrative fee waivers on certain credit cards. In addition to charges and fees, there is also the convenience factor to consider when using your credit card overseas. Some banks offer cashback offers and airmile reward points for overseas spending. Ensure your credit card is accepted worldwide. Also, having a 24/7 customer service hotline number to resolve your credit card related queries can come in handy.

    Credit Card overseas spending promotions

    If you have a penchant for travelling, then you can certainly benefit from the following credit card promotional offers designed for overseas spending:

    Citibank credit card promotional offers:

    • Welcome offer for Citi PremierMiles Visa Card: New Citibank customers can apply for this card and earn up to 42,000 Citi Miles with a minimum spend limit and existing customers can get bonus miles and S$100 hotel vouchers. This promotional offer is valid until June 30th, 2017.
    • Welcome offer for Citi PremierMiles American Express Card: You can apply for this card and get up to S$120 cashback with a minimum spend limit.
    • Earn 3 Citi Miles for every S$1 spent at Expedia for flight and hotel bookings using your Citi PremierMiles Visa Card. This promotional offer is valid until May 31st, 2017.
    • Earn up to 8 Citi Miles for every S$1 spent at Agoda.com for flight and hotel bookings using your Citi PremierMiles Visa Card and Citi PremierMiles American Express Card. This promotional offer is valid until February 28th, 2018.
    • Earn 10 Citi Miles for every S$1 spent at Kaligo for flight and hotel bookings using your Citi PremierMiles Visa Card and Citi PremierMiles American Express Card. This promotional offer is valid until December 31st, 2017
    • Get 20% off on bookings at Airbnb using your Citi PremierMiles Visa Card. This promotional offer is valid until September 31st, 2017.
    • Get 5% off on regular flight ticket rates at EVA Air using your Citi PremierMiles Visa Card. This promotional offer is valid until June 30th, 2017.
    • Get 20% off on regular air fares at Oman Air using your Citi PremierMiles Visa Card. This promotional offer is valid until September 18th, 2017.
    • Get up to 35% off on standard rates and 30% off on international leisure rates at Avis using your Citi PremierMiles Visa Card. This promotional offer is valid until December 31st, 2017.
    • Get 10% off on self-drive car rentals in the US, Europe, New Zealand, Australia, and Canada with your Citi PremierMiles Visa Card at Hertz Asia. This promotional offer is valid until December 31st, 2017.

    DBS Credit Card Promotions:

    • Get up to 10 air miles per S$1 spent at Kaligo using your DBS Altitude American Express Signature Card and 13 air miles for every S$1 spend using your DBS Altitude Visa Signature Card. This promotional offer is valid until December 31st, 2017.
    • New customers can apply online for DBS Altitude Visa Signature Card and get up to 10,000 bonus miles with a minimum charge of S$1,000 per month. Existing customers can get up to 7,000 bonus miles. This promotional offer is valid until June 30th, 2017.

    UOB Credit Card promotions:

    • Earn 10 miles per S$1 spent on hotel bookings at Kaligo using your UOB PRVI Miles American Express Card. This promotional offer is valid until December 31st, 2017.
    • Enjoy 50% off at Airbnb using your UOB PRVI Miles American Express Card. Enter promocode 'AMEXSG'. This promotional offer is valid until September 30th, 2017.
    • Enjoy 8% off at Hotels.com using your UOB PRVI Miles World Mastercard Card. This promotional offer is valid until December 31st, 2017.

    Overseas Credit Card Activation

    For enhanced credit card protection, banks offer you the choice to activate and deactivate your credit card for overseas usage. You have to activate your credit card online or through SMS for overseas spending. Whether it is online transaction or cash withdrawal, a One Time Password (OTP) will be sent to your registered phone number to authenticate your overseas transaction. In most banks, the principal cardholder will have to activate the supplementary card for overseas spending. Ensure your credit card is activated for overseas usage before embarking on a trip abroad.

    Credit Cards with Cash Rebate and Reward Deals for Overseas Spending

    Listed below are the best credit cards with cashback offers and reward points for overseas spending:

    • Citi M1 Platinum Visa Card: Earn up to 5% Citi rebate on overseas retail purchases
    • Citi Rewards Card: Earn 20X reward points for overseas spending.
    • Citi Prestige Card: Earn 5 Citi Dollars per S$1 overseas spent. 5 Citi Dollars equals 2 Citi Miles.
    • DBS Woman's Card: Earn up to 10X DBS points on overseas and online shopping. Get up to 10 miles or 5X DBS points for every S$5 online spend.
    • UOB UnionPay Platinum Card: Earn 5X UNI$ on a minimum overseas spend of S$2,000. You can choose from over 1,000 reward items to redeem your points.

    Credit cards With Airmiles for Overseas Spending

    Listed below are the best credit cards with airmiles for overseas spending:

    • Citi PremierMiles Visa Card: Earn up to 2 Citi Miles for every S$1 overseas spend.
    • Citi PremierMiles American Express Card: Earn 2 Citi Miles per S$1 spent in foreign currency.
    • DBS Woman's World Card: Earn up to 3X DBS points or 6 miles per S$5 overseas spend and 10X DBS points or 20 miles per S$5 online spend.
    • DBS Altitude Visa Signature Card: With a minimum spend of S$2,500 in a month, get up to 6 air miles for every S$1 spend. This promotional offer is valid until July 31st, 2017.
    • UOB PRVI Miles American Express Card, UOB PRVI Miles World MasterCard Card, and UOB PRVI Miles Visa Card: Earn 2.4 miles for every S$1 overseas spend and 6 miles per S$1 spent on flight and hotel bookings.

    Credit Card Overseas Usage Charges(Bank Wise)

    Listed below are the fees and charges applicable to overseas spending for credit cards offered in Singapore:

    UOB Bank:

    The bank offers 3 best credit cards for overseas travel:

    UOB PRVI Miles American Express Card, UOB PRVI Miles World MasterCard Card, and UOB PRVI Miles Visa Card: In addition to air miles, get a free travel accident insurance coverage of S$1 million.

    • Foreign transaction charge:
      • Administrative fee: 2.5-3.25%
      • Processing fee: 1%
    • Hotline number: Call 1800 355 1212 for credit card related queries and to report lost or stolen credit card.

    DBS Bank:

    The bank offers 4 best credit cards for overseas spending:

    • DBS Woman’s Card and DBS Woman’s World Card: Get a free travel accident insurance. You can convert the accumulated DBS points into Krisflyer, Air Asia or Asia Miles big points and save up on airfare. DBS points never expire. New customers can apply for DBS Woman's Card online and get up to S$100 cashback, and S$70 cashback for existing customers. This promotional offer is valid until June 30th, 2017. It is valid only with a minimum spend of S$500 within the first month. The annual fee is waived for the first year.
      • Foreign transaction charge:
        • Administrative fee: 2.8-3.25%
        • Dynamic conversion fee: 1-2.8%
      • Hotline number: Call (65) 6339 6963 for credit card related queries and to report lost or stolen credit card.
    • DBS Altitude Visa Signature Card and DBS Altitude American Express Card: With a minimum spend of S$25,000 on your DBS Altitude Card this year, you can get annual fee waiver for next year. Or, you can pay the annual fee and get 10,000 bonus miles on membership renewal. Earn 3 air miles per S$1 spent on online flight and hotel bookings at agoda.com, expedia.com, airbnb.com, singaporeair.com, etc. Earn 2 miles on every S$1 overseas spend. Get free travel accident insurance coverage of up to S$1 million.
      • Foreign transaction charge:
        • Administrative fee: 2.8-3.25%
        • Dynamic conversion fee: 1-2.8%
      • Hotline number: Call 1800 732 1000 for any credit card related queries from anywhere in the world.

    Citibank:

    The bank offers 2 best travel credit cards:

    • Citi PremierMiles Visa Card: You can earn up to 10 Citi Miles for every S$1 spent on online travel bookings, 1 Citi Miles per S$1 local spend, and 2 Citi Miles per S$1 overseas spend. You can use the accumulated miles to pay for your flight tickets and hotel bookings. New Citibank customers can apply for this card and earn up to 42,000 Citi Miles with a minimum spend limit and existing customers can get bonus miles and S$100 hotel vouchers. You also get an annual fee waiver for the first year. Citi Miles don't have an expiry date. This promotion is valid until June 30th, 2017. Earn up to 10,000 Citi Miles on renewing your card membership. Enjoy free travel accident insurance coverage.
      • Foreign transaction charge:
        • Administrative fee: 2.8-3.3%
        • Dynamic conversion fee: 0.8-1%
        • Processing fee: 0.8-1%.
      • Hotline number: Call 6225 2727 for credit card related queries and to report lost or stolen credit card.
    • Citi PremierMiles American Express Card: You can earn 2 Citi Miles for every S$1 spent at SilkAir and Singapore Airlines, 2 Citi Miles for every S$1 spent using foreign currency, and 1.3 Citi Miles per S$1 local spend. You can use the accumulated miles to pay for your flight tickets and hotel bookings. You can apply for this card and get up to S$120 cashback with a minimum spend limit. Citi Miles don't have an expiry date. Earn up to 15,000 Citi Miles on renewing your card membership. Enjoy free travel accident insurance coverage. Get up to S$50 cash rebate for travel related purchases.
      • Foreign transaction charge:
        • Administrative fee: 2.8-3.3%
        • Dynamic conversion fee: 0.8-1%
        • Processing fee: 0.8-1%.
      • Hotline number: Call 6225 5225 for credit card related queries and to report lost or stolen credit card.

    How to Apply for Credit Cards for Overseas Spending?

    Pick a credit card that is suitable for overseas spending and apply for the card online or visit the nearest bank branch. Submit the duly filled application form along with the supporting documents. Opt for credit card activation for overseas usage during the application process.

    FAQs

    Why should you activate your credit card for overseas usage?

    To make overseas card transactions such as ATM cash withdrawals, Point of Sale transactions, and online shopping, you must activate your credit card. For enhanced credit card protection, banks usually send an OTP to your registered phone number which can be used to authenticate your card transactions.

    Should I notify the bank about my overseas travel?

    If you have opted for perpetual activation of your credit card for overseas usage, then you are not required to notify the bank. You can activate or deactivate your credit card for overseas usage via phone or online banking.

    What do I do if my credit card is not activated for overseas usage and am already on my travel?

    You can contact the bank’s 24/7 customer service hotline for any credit card related queries. All banks have a hotline number for overseas calls. You can check the status of your credit card activation with the bank’s customer service representative.

    What are the methods by which to activate DBS credit card for overseas usage?

    You can activate a DBS credit card for overseas usage via SMS banking, iBanking, Digibank, and DBS or POSB ATM in Singapore.

    Can I increase my credit limit for overseas usage?

    Some banks like DBS offers you the option to increase your credit limit on the credit card for overseas spending.

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