Best credit card for overseas spending in Singapore (Oct 2026)

Spending in foreign currency, on holiday or abroad. Most cards charge a fee of around 3.25% here, which can wipe out the reward.

Quick answer. For miles with no minimum spend: UOB Preferred Visa at 4 mpd. For cashback with no minimum spend: Trust Freedom · Stockback at 3%.

Checked against each bank's own terms, 8 October 2026. Rates assume you're paying with your physical card in a foreign currency. Ranked by what you keep after the card's foreign currency fee, with miles valued at 1.5 cents each. Cards that need a minimum spend are only ranked first when they earn more than 10% more than an easy card, and cards with many hurdles are listed separately. The label on each card shows how much work its bonus takes.

Best miles cards for overseas spending

1. 4 mpdUOB Preferred VisaEasy
   In-store with Apple Pay / Google Pay / Samsung Pay · about 2.8% back after the fee
   Min spend: noneCap: S$600 per bucket, a monthFee S$196.20, 1st yr freeForeign currency fee: 3.25%
2. 4 mpdMaybank XL RewardsSome effort
   Foreign currency spend · about 2.8% back after the fee
   Min spend: S$500 a monthCap: S$1,000 a monthFee S$87.20, 2 yrs freeForeign currency fee: 3.25%
3. 1.3 mpdTrust Freedom · MilesEasy
   Base rate (no bonus here) · about 1.9% back after the fee
   Min spend: noneCap: No capNo annual feeForeign currency fee: none
4. 2.8 mpdBOC Elite MilesEasy
   Base rate (no bonus here) · about 1.2% back after the fee
   Min spend: noneCap: No capFee: see termsForeign currency fee: 3%
5. 2.8 mpdMaybank Horizon Visa SignatureSome effort
   Foreign currency spend (with S$800 retail spend in the month) · about 1.0% back after the fee
   Min spend: S$800 a monthCap: No capFee S$196.20, 3 yrs freeForeign currency fee: 3.25%

No minimum spend

If you don't want to chase a monthly minimum:

1. 4 mpdUOB Preferred VisaEasy
   In-store with Apple Pay / Google Pay / Samsung Pay · about 2.8% back after the fee
   Min spend: noneCap: S$600 per bucket, a monthFee S$196.20, 1st yr freeForeign currency fee: 3.25%
2. 1.3 mpdTrust Freedom · MilesEasy
   Base rate (no bonus here) · about 1.9% back after the fee
   Min spend: noneCap: No capNo annual feeForeign currency fee: none
3. 2.8 mpdBOC Elite MilesEasy
   Base rate (no bonus here) · about 1.2% back after the fee
   Min spend: noneCap: No capFee: see termsForeign currency fee: 3%

Best cashback cards for overseas spending

1. 3%Trust Freedom · StockbackEasy
   Stockback on foreign spend (3% promo until 31 Dec 2026) · about 3.0% back after the fee
   Min spend: noneCap: S$500 cashback a quarterNo annual feeForeign currency fee: none
2. 1.5%Mari Credit CardEasy
   Foreign currency (overseas and online) · about 1.5% back after the fee
   Min spend: noneCap: S$1,500 a monthNo annual feeForeign currency fee: none
3. 0.5%Trust Freedom · Unlimited CashbackEasy
   Base rate (no bonus here) · about 0.5% back after the fee
   Min spend: noneCap: No capNo annual feeForeign currency fee: none

What the labels mean

Easy no minimum spend or extra conditions. Some effort a minimum spend to reach. Many hurdles a minimum plus other conditions, like a number of transactions or small caps, so the headline rate is harder to get.

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