Best Travel Credit Cards in Singapore for Overseas Spending: 3 Compared for 2026
DBS Altitude, UOB PRVI Miles and Citi PremierMiles all charge a 3.25% foreign currency fee on overseas spending as of October 2026, so the real difference between them is miles earned per dollar, annual fees and lounge access. UOB PRVI Miles earns the highest overseas rate for most Southeast Asian trips, while the other two earn a flat 2.2 miles per S$1.
DBS Altitude: Best Overall Flat Earn Rate
Quick facts: Annual fee S$196.20 (first year waived) · 2.2 miles per S$1 on foreign currency spend · 3.25% FX fee · 2 lounge visits per year (Visa version only)
Per the DBS Altitude card page, the card covers both Visa and Amex versions. DBS raised the Amex foreign currency fee from 3% to 3.25% effective 10 May 2026, as The Milelion reported. DBS also ended the automatic annual fee waiver for S$25,000 of yearly spending from 1 August 2026, so budget for the fee from year two, as this 2026 review notes.
UOB PRVI Miles: Best for Malaysia, Indonesia, Thailand and Vietnam
Quick facts: Annual fee S$261.60 (first year waived) · 3 miles per S$1 in Malaysia, Indonesia, Thailand and Vietnam, 2.4 elsewhere overseas · 3.25% FX fee
The UOB travel cards page confirms the 3 mpd rate in those four markets and 2.4 mpd on all other overseas spend. Watch the fine print: overseas merchants that bill in Singapore dollars earn only 1.4 mpd, and the Visa and Mastercard variants add a 1% fee, according to SuiteSmile's August 2026 review.
Citi PremierMiles: Best for Priority Pass Access
Quick facts: Annual fee S$196.20 (first year waived) · 2.2 Citi Miles per S$1 on foreign currency spend · 3.25% FX fee · 2 complimentary Priority Pass visits per year
Citi's PremierMiles product summary lists the same 2.2 mpd overseas rate as DBS Altitude, plus two Priority Pass visits a year at participating lounges. A March 2026 review gives a conflicting 2.0 mpd figure in its introduction, so confirm the rate on Citi's site before you apply.
When a Debit Card Beats All Three
If avoiding fees matters more than miles, the UOB FX+ Debit Card is the only option on UOB's travel page with 0% FX fees worldwide. It earns no miles, so it suits lighter overseas spenders rather than frequent flyers.
People also ask
Which Singapore credit card has the lowest foreign transaction fee?
The three credit cards in this comparison all charge 3.25% on foreign currency spending. If you want zero foreign transaction fees, UOB's FX+ Debit Card lists 0% FX fees worldwide, but it is a debit card and earns no miles. Check the UOB travel page for current terms before applying.
Is DBS Altitude still worth its annual fee in 2026?
It depends on how much you spend overseas. The card earns 2.2 miles per S$1 on foreign currency spend, but the 3.25% FX fee on each purchase can outweigh those miles at lower spending levels. DBS also ended its S$25,000 annual spend waiver from 1 August 2026, so the S$196.20 fee applies from year two.
Which travel card earns the most miles overseas in Singapore?
UOB PRVI Miles earns the highest rate for most trips, at 3 miles per S$1 in Malaysia, Indonesia, Thailand and Vietnam and 2.4 miles elsewhere overseas. DBS Altitude and Citi PremierMiles both earn 2.2 miles per S$1. Overseas merchants billing in Singapore dollars earn UOB's lower 1.4 mpd rate, so check how a merchant bills before you pay.
Do Singapore travel cards include airport lounge access?
Some do, but the benefits differ. DBS Altitude includes two lounge visits a year on the Visa version only, while Citi PremierMiles includes two complimentary Priority Pass visits a year at participating lounges. Benefits change over time, so confirm eligibility with the issuer before relying on a lounge visit.
Facts were checked against official issuer pages and recent reviews as of 27 October 2026. Confirm current fees, miles rates and terms on each bank's website before you apply.