For some, golf isn’t just a game. Ask any golf enthusiast and they will tell you that it’s one of the best ways to relax and unwind even though it’s not a very casual game. However, it’s also one of the most expensive sports you’ll ever indulge in. Golf clubs charge a green fee for allowing you to use the golf course. This fee can be really expensive depending on the golf club and the time of the week you choose to play. For instance, Sentosa Golf Club in Singapore charges S$350-S$480 as green fee, if you are a visitor. For members, this fee varies from S$220-S$300. There are other charges as well, such as buggy fees.
True, golf being such a cool sport shouldn’t burn a hole in your pocket. Fortunately, many credit card issuers understand this. That’s why they are supporting your love for this game by offering exclusive golf-related benefits and discounts. Perks include complimentary green fees, complimentary golfers’ insurance, access to exclusive golf clubs, entry to major golf tournaments, and much more. We have listed out some such cards in Singapore that any golfer, experienced or beginner, would want to have in their wallet. It’s an expensive game, so make the most of what these cards have to offer. Find out everything that you need to know about these cards. Take a look at some of the credit cards that offer golf privileges in Singapore and also find out what these cards are best suited for.
|Card Name||Best For|
|American Express Platinum Credit Card||Complimentary green fees on weekdays and weekends at 40 premier golf/country clubs|
|Standard Chartered Visa Infinite Credit Card||Green fees discount at select golf clubs across Asia Pacific|
|Maybank World Mastercard||Complimentary green fees for the cardholder and special discounts for guests across 18 countries|
|CIMB World Mastercard||Complimentary green fees at participating clubs in Southeast Asia|
|UOB Visa Infinite Credit Card||Complimentary green fees at Sentosa Golf Club and discounted green fees across select clubs in Southeast Asia|
|American Express Platinum Reserve Credit Card||Complimentary green fees on weekdays and weekends at 40 premier golf/country clubs|
|HSBC Premier Mastercard Credit Card||Green fees discount at 16 golf courses and complimentary golfers’ insurance|
|HSBC Visa Infinite Credit Card||Complimentary green fees rounds at Sentosa Club on weekdays|
|OCBC VOYAGE Card||Discount on green fees|
|BOC Travel Card||Weekend and weekday discounts on green fees|
|Citi Prestige Card||Up to six complimentary green fee rounds|
|Standard Chartered Priority Banking Visa Infinite Credit Card||Green fees discount at participating clubs across Asia Pacific|
A Quick Comparison of Golf Cards in Singapore
With so many cards available in the market, sometimes it may become a challenging task to choose the right card that maximises your savings and rewards. This comparison table below can help you with that. Take a quick look and compare the annual fee and other rewards offered by various golf cards in Singapore.
|Card Name||Annual Fee||Earning Rate||Minimum Spend Requirement (Per Month)|
|American Express Platinum Credit Card||S$321||Up to 10 Membership Rewards Points for every S$1.6 spent on eligible transactions.||-|
|Standard Chartered Visa Infinite Credit Card||S$588.50||Up to 3 miles for every S$1 spent.||S$2,000 on eligible transactions.|
|Maybank World Mastercard||S$240||10x TREATS Points (equivalent to 4 miles) for every S$1 spent at participating dining, retail outlets, and petrol stations.||-|
|CIMB World Mastercard||S$0||Unlimited 1% cash rebate on all eligible transactions – locally and overseas.||-|
|UOB Visa Infinite Credit Card||S$1,926||2 miles for every S$1 spent on overseas dining and shopping and local luxury shopping. 1.2 miles for every S$1 spent on all other spend.||-|
|American Express Platinum Reserve Credit Card||S$535||Up to 10 Membership Rewards Points for every S$1.6 spent on eligible transactions.||-|
|HSBC Premier Mastercard Credit Card||Perpetual fee waiver||Up to 5% rebate on recurring TV, internet, and mobile bills and on grocery shopping. Up to 6% rebate on fuel. Up to 2% rebate on food/beverage outlets.||S$400|
|HSBC Visa Infinite Credit Card||S$650||Up to 2.25 miles for every S$1 spent.||-|
|OCBC VOYAGE Card||S$488- S$10,000||2.3 VOYAGE Miles for every S$1 spent overseas. Up to 1.6 VOYAGE Miles for every S$1 spent locally.||-|
|BOC Travel Card||S$190||2x Bonus Points on all overseas spend.||-|
|Citi Prestige Card||S$535||5 Citi Dollars (equivalent to 2 miles) for every S$1 spent overseas. 3.25 Citi Dollars (equivalent to 1.3 miles) for every S$1 spent locally.||-|
|Standard Chartered Priority Banking Visa Infinite Credit Card||S$321||2.5 points (1 mile) for every S$1 spent.||-|
As you compare these cards, you might as well want to know other benefits as well. If you are a traveller, you should consider benefits like free airport lounge access, complimentary travel insurance, discount on hotel bookings, etc. In other words, you should first understand your lifestyle requirements and spending habits. That will obviously help you compare the right cards. Most importantly, since you are looking for a golf card, make sure to check the list of golf clubs where you can enjoy these special privileges. Choosing a card that offers benefits at your favourite club will be more useful.
- Earn 2.3 VOYAGE Miles for every S$1 spent in any foreign currency.
- Earn 1.6 VOYAGE Miles for every S$1 spent on dining in Singapore.
- Earn 1.2 VOYAGE Miles for every S$1 spent locally on other retail transactions.
- Exclusive deals on shopping, entertainment, travel, and dining in China, Macau, and Hong Kong.
- 30% discount on remittance fees to China.
- 2x Bonus Points rewards for all your overseas transactions.
- Earn 5 Citi Dollars (equivalent to 2 Citi Miles) for every S$1 spent overseas.
- Earn 3.25 Citi Dollars (equivalent to 1.3 Citi Miles) for every S$1 spent in Singapore.
- Annual membership renewal bonus of 62,500 Citi Dollars (worth 25,000 miles).
- Earn 1 air mile (equivalent to 2.5 points) for every S$1 charged to this card.
- You will qualify for 360o Rewards Programme that rewards you for your overall relationship with the bank.
- Get complimentary travel insurance and 24/7 concierge service.
- Earn 2 miles for every S$1 spent overseas.
- Earn 1.4 miles for every S$1 spent locally.
- 24/7 concierge service.
- Earn up to 10 Membership Rewards points for every S$1.6 spent at participating merchants in Singapore.
- Enjoy exclusive dining deals with Love Dining by Platinum and American Express Global Dining programmes.
- Complimentary entry to members-only Tower Club in Singapore.
- Earn up to 2.25 miles for every S$1 spent on eligible transactions.
- Enjoy unlimited complimentary access to more than 1,000 VIP airport lounges across the world and expedited immigration clearance.
- Get a welcome gift of 35,000 miles that you can redeem with more than 40 airlines.
- Earn up to 10 Membership Rewards points for every S$1.6 spent on eligible transactions.
- Enjoy exclusive dining deals with Love Dining by Platinum and American Express Global Dining programmes.
- Special wellness privileges including discounts on select spa outlets.
- Earn 3 miles for every S$1 spent on eligible transactions.
- Get up to six complimentary visits to airport lounges with the Priority Pass Lounge programme.
- Enjoy complimentary travel insurance of up to S$1 million.
- Earn 10x TREATS Points for every S$1 spent on participating dining, retail, and fuel outlets.
- Complimentary airport lounge access.
- Complimentary travel insurance of up to S$1 million.
- Earn 1% rebate on all retail purchases, locally and overseas, with no limit on the rebate you can earn in a month.
- The card is free for life.
- Up to 50% discount on dining outlets.
- Earn cash rebate of 5% on recurring mobile, cable TV, and internet bills.
- Earn up to 5% cash rebate on groceries.
- Earn up to 6% cash rebate on petrol.
How to Get the Most Out of Your Golf Card
In the game of golf, hitting an albatross is a very rare event. Albatross represents hitting 3 strokes under par on a single hole. Most golfers believe that hitting an albatross requires not just technique and precision but also some luck. Fortunately, making the most of out of your golf card isn’t like that at all. It is easy, simple, has got nothing to do with your luck, and can be achieved by keeping the following things in mind:
- Know about participating golf clubs: Many banks have partnered with certain golf clubs to offer you special privileges. These golf clubs could be in Singapore or outside Singapore. Make sure you know about these golf clubs. If you don’t know already, get in touch with your card issuer. Choosing the right golf club will help you save more with your card.
- Check weekday/weekend offers: Some cards offer discounts on green fees only on weekdays, while others offer discounts throughout the week. Make sure you book the golf course keeping in mind your card’s offer.
- Know the number of complimentary green fees rounds: Some cards limit the number of complimentary green fees rounds you can enjoy in a calendar year. Make sure you know that limit and use all the complimentary rounds within a year.
- Book the golf club the right way: Make sure you book the golf club as directed by your card issuer to be able to enjoy the benefits. In case of Visa cards, usually a booking must be made through Visa Concierge to qualify as an eligible booking for discounts/benefits. If you are not sure, check with your bank to learn more.
- Book well in advance: Most cards require you book a few days in advance to be able to enjoy the benefits. Make sure you know such requirements to be able to enjoy a smooth, hassle-free golfing experience.
Why Should You Use Golf Cards?
Golf is an expensive sport. Depending on the golf club you play at, the cost of a single round of golf can cost you about S$300. If you are not a member of that club and are going as a visitor, this fee can go up to S$500 or even higher. But that’s not all. There will be an extra buggy fee. Also, if you don’t have your own golf set, you will have to pay another S$80 approximately, for renting the set. If you add all these costs, you will know why using a golf card is the right decision. If you need more reasons, here’s one more: Some cards also offer complimentary golfers’ insurance to protect you from injuries while playing golf. This can be really useful when you wish to play at a club where golfers’ insurance is mandatory.
How Does It Work in Singapore?
- Book in advance: In Singapore, card issuers require you to make the booking a certain minimum number of days in advance. This also depends on whether you are booking for a weekday or for a weekend. For instance, HSBC Visa Infinite Card requires you to book at least 4 days in advance for weekdays and at least 7 days in advance for weekends.
- Book through your concierge: Most cards would require you to make the booking through your dedicated, 24/7 concierge to be able to enjoy the discount.
- Charge your booking to the card: You must charge your golf club booking to your credit card to be able to enjoy the privileges.
Things to Consider Before Getting a Golf Card
Make sure you know these things before you get your new golf card:
- Golfers’ insurance: There are certain individual golf clubs in Singapore that require you to have golfers’ insurance before you can start playing. You can either buy this insurance from a private insurance company or you can choose a card that offers complimentary golfers’ insurance. Make sure you know all such requirements before you choose a card.
- Other fees and charges applicable: Usually, in cases where green fees is complimentary, you are still required to pay for buggy, turf mate, caddie, locker fee, insurance, taxes, and other miscellaneous charges as fixed by the golf clubs. Consider all such fees and charges that will be applicable to you as well as to your paying guest.
- Paying guest: Read your card’s terms and conditions carefully to check guidelines related to paying guests. For instance, some cards require you to bring at least one paying guest when you book a complimentary green fee round at a certain participating club. In such a case, you will be able to enjoy the benefits only when there is at least one paying guest accompanying you.
- Booking limits: Most cards limit the number of bookings you can make in a certain period of time. For instance, HSBC Visa Infinite allows you to make up to 10 bookings in a week at Sentosa Golf Club. Check such limits before you sign up for a card.
- Weekday or weekend bookings: Make sure to check whether the privilege that a card is offering is valid throughout the week or just on weekdays/weekends. For instance, with Citi Prestige Card, you get six complimentary rounds that are valid on both weekdays and weekends. However, in case of HSBC Visa Infinite Card, the privilege is valid only on weekdays.
- Booking cancellation: Usually card issuers require you to cancel your booking a certain number of days in advance. In case you fail to cancel the booking well in advance, you will be subjected to charges as fixed by the golf clubs. Also, if you wish to amend your booking, you may have to pay administrative charges.
Choosing the Right Golf Card
Choosing the right card can be tough at times, considering the wide range of options available in the market. Each card promises to offer something different from the others. So, how do you choose the one that meets your requirements? Check out some things that you could help you choose the right card:
- Compare golfing privileges: Since you are looking for a golf card, this should be the first thing you must compare. Find out what these cards have to offer and figure out what suits you the most. If you are someone who plays golf only on weekends, consider a card that lets you enjoy golfing privileges on weekends.
- Check the annual fee: Once you have shortlisted the cards that suit your golfing requirements, compare the annual fee of all the cards. Also, when you compare the annual fee, make sure to check if there is any fee waiver. You may find some cards that offer to waive your annual fee for a year or two.
- Compare card rewards: All cards are designed to offer some unique rewards. It could be rewards on shopping, dining, entertainment, travel, daily expenses, and so on. Choose a card that suits your spending habits; it will help you get the most out of your card. For instance, if you are a frequent traveller, choose a card that offers miles on your spending.
Ready to hit an ace? Choose your card wisely because as you know it’s not a cheap sport. With the right card, you can save hundreds of dollars every year.