Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Find Best Golf Credit Card

    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.

    OCBC VOYAGE Card

    Get up to 30% discount on weekday green fees at 30 golf clubs in the Asia-Pacific region. If you love to tee off at Sentosa Golf Club’s Serapong and New Tanjong courses, you can enjoy complimentary weekday green fees throughout the year, capped at 10 bookings per week. Additionally, there are special discounts on various golf courses that you can enjoy when you make the reservation through Green Golf app and pay with your Visa card. Travelling to Mallorca? You can enjoy 10% discount at the popular T Golf & Country Club. Keep in mind that these are limited period offers and are subject to certain other terms and conditions, such as advance booking and compulsory paying guest requirement.

    Card highlights:

    • 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.

    BOC Travel Card

    If you travel frequently to China and love playing golf, this card could help you enjoy special discounts at certain golf clubs in the East Asian country. These golf clubs include Beijing Huatang International Golf Club, Beijing Willow Golf Club, Guangdong Long Island Golf & Country Club, Guangdong Shenzhen Mission Hills Golf Club, Shanghai Binhai Golf Club, and Shanghai International Golf Club. The privileges are available on both weekday and weekend bookings.

    Card highlights:

    • 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.

    Citi Prestige Card

    This card offers you three complimentary rounds at Sentosa Golf Club’s Serapong Course (weekday only), Orchid Country Club, and Sembawang Country Club – every calendar year. For Sentosa Golf Club, at least one paying guest is required. Additionally, you get three complimentary rounds at Mission Hills Golf Club, Tropicana Golf & Country Resort, Dongguan Hillview Golf Club, Ria Bintan Golf Club, Horizon Hills Golf & Country Club, Glenmarie Golf & Country Club, and Klub Golf Sukajadi – every calendar year. No paying guest required for any club. However, at Mission Hills Golf Club, you will have to stay for at least one night for every golf booking. The offer ends on 31 December 2018 and is subject to various other terms and conditions.

    Card highlights:

    • 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).

    Standard Chartered Priority Banking Visa Infinite Credit Card

    Enjoy 30% discount on your green fees at participating clubs across Asia Pacific. Additionally, you will enjoy various other benefits that apply to Visa Infinite cards. You will get complimentary green fee rounds on weekdays at Sentosa Golf Club. If you make a reservation through the Green Golf app, you will enjoy special prices for a range of golf clubs in countries like Singapore, Thailand, Indonesia, Myanmar, and more. If you are travelling to Mallorca and planning to tee off at T Golf & Country Club, you will enjoy 10% discount on the green fees. These offers are for a limited period and are subject to various terms and conditions.

    Card highlights:

    • 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.

    UOB Visa Infinite Metal Card

    Enjoy all the golfing privileges that come with a Visa Infinite card. It includes a discount of up to 30% on green fees at participating clubs across Southeast Asia and complimentary green fees rounds at Sentosa Golf Club (with 1 paying guest). Additionally, you will get a discount of 10% on green fees at Mallorca’s popular T Golf & Country Club. If you make golf club reservations through the Green Golf app, you can enjoy special discounts at various golf clubs in select countries. The offers are valid for a limited period and are subject to certain terms and conditions.

    Card highlights:

    • Earn 2 miles for every S$1 spent overseas.
    • Earn 1.4 miles for every S$1 spent locally.
    • 24/7 concierge service.

    American Express Platinum Reserve Credit Card

    This card gives you exclusive access to golf clubs in Singapore and overseas, with the same privileges also extending to the supplementary cards. Enjoy complimentary green fees at more than 40 participating clubs in Singapore, Thailand, Indonesia, Malaysia, and Philippines. You will have to bring at least one paying guest to enjoy the offer on weekdays and at least two paying guests to enjoy the offer on weekends. Other terms and conditions may apply.

    Card highlights:

    • 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.

    HSBC Visa Infinite Credit Card

    Enjoy all the Visa Infinite golf privileges with this card. Get 30% off green fees at various participating clubs in Southeast Asia. If you love to tee off at Sentosa Golf Club, you can enjoy complimentary green fees throughout the year. In addition to these privileges, HSBC offers you complimentary golfers’ insurance worth up to S$500,000 with this card. You must charge your green fees to this card to enjoy the coverage. There are certain terms and conditions that will be applicable to these privileges.

    Card highlights:

    • 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.

    American Express Platinum Credit Card

    With this card, you will enjoy complimentary green fees on weekdays and weekends at about 40 clubs in the region. Bring at least one paying companion on weekdays and at least two paying companions on weekends to enjoy complimentary green fees.

    Card highlights:

    • 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.

    Standard Chartered Visa Infinite Credit Card

    Enjoy up to 30% off green fees at participating clubs in Asia Pacific. Additionally, you will enjoy complimentary green fees rounds at Sentosa Golf Club on weekdays, if you bring along at least one paying guest. As part of other Visa Infinite privileges, you will get exclusive discounts at select clubs when you make the booking through the Green Golf app. These are limited period offers and are subject to various terms and conditions.

    Card highlights:

    • 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.

    Maybank World Mastercard

    With this Mastercard card, you will enjoy complimentary green fees at 86 participating clubs in 18 countries - with no paying guest requirement. Additionally, your guests will get a discount of 10% on walk-in prices. To enjoy these golfing privileges, your previous month spending on the card must be at least S$1,000. The offer is valid for a limited period.

    Card highlights:

    • 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.

    CIMB World Mastercard

    Enjoy complimentary green fees at a wide range of clubs in countries including Singapore, Malaysia, Indonesia, Thailand, Cambodia, Philippines, and Vietnam. Supplementary cardholders will enjoy complimentary green fees at participating clubs in Malaysia only. Reservation priority will be given to cardholders who have spent at least S$2,000 on the card in any of the last two statement months. The offer is for a limited period and is subject to certain other terms and conditions.

    Card highlights:

    • 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.

    HSBC Premier Mastercard Credit Card

    Get a discount of 50% on green fees (walk-in only) at select golf clubs in six Southeast Asian countries. You will also get to enjoy PGA TOUR Player Experience at certain TPC properties in the US. In addition to these benefits, you will enjoy complimentary golfers’ insurance worth S$500,000 from HSBC.

    Card highlights:

    • 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.

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