Best Credit Cards to Pay Insurance Premium

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    Do we all know about credit cards that give travel insurance privileges? Yes? Fantastic. Let’s turn our eyes towards certain credit cards in Singapore that give insurance privileges of other kinds, such as purchase protection, lost card protection, special discounts on insurance premium payments and the like. We have curated a list to make it easier for you to know which card to choose if insurance discounts and offers are some of the things you’re looking for.

    Insurance Discounts & Offers Cards in Sinagpore

    Standard Chartered Bank PruPrestige Visa Signature Credit Card:

    Insurance perk: You can use the reward points garnered on Standard chartred PruPresige Visa Signature card to pay your Prudential insurance premiums.

    Other benefits:

    • 1.5 points for every $1 spent.
    • Anytime access to Concierge Services.
    • Access to Visa Signature rebates and special deals.
    • Discounts and special offers under The Good Life programme which covers dining, shopping, leisure, travel and other expenses.

    UOB Lady’s Cards:

    Insurance perk: Both the UOB Lady’s Card and the UOB Lady’s Solitaire Card come with e-commerce protection. The UOB Lady’s Card offers MasterCard protection for your online purchases up to US$200 in case of incomplete or wrong delivery, damaged items, or purchase delays of 30 days or more. The UOB Lady’s Solitaire Card offers e-commerce protection to the tune of US$1,000, wallet guard against theft and for replacement of cards and identity documents up to US$500, purchase protection on items bought with the credit card up to US$20,000 annually, extended warranty on products up to S$2,000, against fraudulent usage of credit card by others up to US$4,000, and Collision Damage Waiver up to US$50,000.

    Other benefits:

    • 5 UNI$ (UOB Lady’s Card) and 10 UNI$ (UOB Lady’s Solitaire Card) for every S$5 spent on retail clothes shopping at local department stores, overseas shopping and online shopping in foreign currencies.
    • 5 UNI$ (UOB Lady’s Card) and 10 UNI$ (UOB Lady’s Solitaire Card) for every S$5 spent on taxi rides in Singapore.
    • Free MyUS premium membership and 30% discount on shipping for 1 year.
    • Complimentary drinks at selected bars during Lady’s Weeknights.
    • Exclusive perks at Thomson Well Women Clinic.
    • Free bottle of wine at selected restaurants and bars in Singapore, Hong Kong and China.
    • Free 2-hour weekend parking at Forum The Shopping Mall, Paragon, Scotts Square and 313@somerset.
    • SMART$ rebates at Cold Storage, Market Place, Jasons, Giant and Guardian.

    Citi Cash Back Card:

    Insurance perk: You get exclusive discounts on SmartDrive Motor Insurance policies using Citi cash back card. These policies give you: Instant Motor Insurance coverage, full market value reimbursement of car in case of total loss due to theft or severe damage, 24x7 AXA Claims and Emergency Assistance Hotline, and 3 plan choices.

    Other benefits:

    • You can pay your Electronic Road Pricing (ERP) charges through your credit card directly through EZ-Pay without any service fee.
    • 8% cashback on grocery shopping and dining.
    • 20.88% cashback on petrol at Esso, 20.8% discount at Shell, and 8% rebate at other petrol stations.
    • 0.25% cashback for all other retail purchases.
    • Exclusive promotions in dining, shopping and leisure activities.

    American Express Gold Card:

    Insurance perk: American Express Gold Card offers a 90-day Purchase Protection Scheme and Refund Guarantee. Theft or unintentional damage to selected purchases are covered under this, allowing you to repair the item, or get a refund or replacement for it. The maximum refund available is S$8,000 per item. If a local store refuses to refund or replace an eligible product, American Express will pay up to S$800 to you as per the value of the product. You also get extended warranty of up to 2 years on items bought by you.

    Other benefits:

    • No pre-set spending limit.
    • Charter Membership giving you access to Charter Customer Assist – your personalized concierge services – and extended warranty.
    • Access to American Express dining and travel privileges and promotional offers.

    UOB Delight Credit Card:

    Insurance perk: You get 3% cash rebate on payment of Prudential Insurance and United Overseas Insurance premiums using UOB Delight Card.

    Other benefits:

    • 8% cash rebate at major grocery stores and health & beauty section.
    • 10% cash rebate on house brands at cold Storage, Giant and Guardian stores.
    • 3% cash rebate on recurring bills, contactless payments and NETS FlashPay Auto Top-up.
    • 0.3% cash rebate on all other purchases.
    • Up to S$10 SMART$ rebate at over 900 merchants via the UOB SMART$ rebate programme.
    • Up to 20% savings on fuel purchase at SPC stations and 13.6% discount on fuel purchases at Shell.

    Other UOB credit cards:

    Insurance perk: Most UOB credit cards offer a CardSecure plan on payment of an additional annual premium – S$52.43 for an individual policy and S$93.63 for a family policy. This insures you against fraudulent use of card; reimburses you for card, wallet and identity document replacements; gives you overseas emergency travel assistance including cash advances, hotel and travel ticket expenses; and 24x7 assistance from multi-lingual executives.

    UOB credit cards that have SMART$ privileges gives you 5% rebate on premium payments for United Overseas Insurance policies and EQ Insurance policies.

    OCBC credit cards:

    Insurance perk: Almost all OCBC credit cards give dual protection for your credit card, at a small annual or monthly premium:

    1. CreditWise – This plan provides a coverage of up to S$60,000 to your family if you die or are permanently disabled. The premium is S$0.40 per S$100 of your outstanding credit card bill every month.
    2. CardSecure – This scheme protects you against fraudulent transactions on the card. The insurance covers fraud protection (up to S$3,000), reimbursement or cost of replacement of identity, cash and valuable documents (up to S$1,000), and replacement cost of personal belongings such as bags and wallets (up to S$200). This also gives you access to emergency cash advance of up to S$10,000 abroad. Annual premium for this policy is S$52.43 for the primary cardholder and S$93.63 for 4 family members + primary cardholder.

    While we have listed some of the best insurance-related offers on credit card, there are several other credit cards that give you similar perks. Check with your credit card issuer on every benefit that your card carries, before choosing a credit card.

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