If you’re planning to travel overseas, it’s important to have a credit card that suits your needs. With so many options available, it can be difficult to choose the right one. UOB credit cards are a popular choice for Singaporeans who want to maximise rewards and benefits when spending abroad.
Understanding UOB Credit Cards for Overseas Spending
UOB offers a range of credit cards that are designed for overseas spending. These cards come with features such as low foreign currency transaction fees, high rewards points for overseas spending, and travel insurance coverage. Some of the most popular UOB credit cards for overseas spending include the UOB PRVI Miles Card, the UOB Visa Signature Card, and the KrisFlyer UOB Credit Card.
Maximising Rewards and Benefits
If you’re looking to maximise rewards and benefits when using your UOB credit card overseas, there are a few things to keep in mind. First, make sure you’re using the right card for your needs. Some cards offer higher rewards points for certain types of spending, such as airfare or hotel bookings. Second, be aware of any promotions or deals that may be available. UOB often runs promotions for overseas spending, such as bonus rewards points or cashback offers.
Managing Fees and Charges
While UOB credit cards offer many benefits for overseas spending, it’s important to be aware of any fees and charges that may apply. These can include foreign currency transaction fees, ATM withdrawal fees, and annual fees. Make sure you understand these fees before using your card abroad, and consider using alternative payment methods if the fees are too high.
Key Takeaways
- UOB credit cards are a popular choice for Singaporeans who want to maximise rewards and benefits when spending abroad.
- To maximise rewards and benefits, make sure you’re using the right card for your needs and be aware of any promotions or deals.
- Be aware of any fees and charges that may apply when using your UOB credit card overseas, and consider using alternative payment methods if the fees are too high.
Understanding UOB Credit Cards for Overseas Spending
If you’re a frequent traveller, the UOB credit card is an excellent choice for overseas spending. The UOB credit card offers you a range of features that make it an ideal choice for travellers. In this section, we will discuss the UOB Credit Card Overseas Features and KrisFlyer UOB Credit Card Benefits.
UOB Credit Card Overseas Features
The UOB credit card offers a range of features that make it an ideal choice for overseas spending. The UOB PRVI Miles Card, for example, offers 2.4 miles per $1 spent overseas, which is a better deal than what other banks offer. This card also comes with a range of other benefits, such as travel insurance and airport lounge access.
Another great feature of the UOB credit card is that it allows you to earn KrisFlyer miles. This is especially useful if you’re a frequent flyer with Singapore Airlines. You can use your KrisFlyer miles to redeem flights, upgrades, and other travel-related benefits.
KrisFlyer UOB Credit Card Benefits
The KrisFlyer UOB Credit Card is an excellent choice for frequent flyers with Singapore Airlines. This card allows you to earn KrisFlyer miles on all your spending, including overseas spending. You can earn up to 3 KrisFlyer miles per $1 spent on Singapore Airlines, SilkAir, and Scoot. You can also earn 1.2 KrisFlyer miles per $1 spent on all other spending.
The KrisFlyer UOB Credit Card also comes with a range of other benefits, such as travel insurance, airport lounge access, and complimentary airport transfers. These benefits make it an ideal choice for frequent flyers who want to make the most out of their travels.
In conclusion, the UOB credit card is an excellent choice for overseas spending, especially if you’re a frequent traveller. With its range of features and benefits, it offers you a seamless and rewarding travel experience.
Maximising Rewards and Benefits
When it comes to using your UOB credit card for overseas spending in Singapore, there are a number of rewards and benefits that you can take advantage of. Here are some ways to get the most out of your card:
Earning Rewards on Foreign Transactions
One of the biggest advantages of using your UOB credit card for overseas spending is the rewards you can earn. For example, the KrisFlyer UOB Credit Card allows you to earn up to 3 KrisFlyer miles per $1 spent on dining, food delivery, online shopping and travel, and transport spend. You can also earn 1.2 KrisFlyer miles per $1 spent on all other spend.
If you prefer cashback rewards over air miles, consider the UOB Rewards+ Card. This card offers up to 10X UNI$ (or 4 miles) per $5 spent on overseas transactions, with no minimum spend required.
Exclusive Shopping and Dining Perks
In addition to earning rewards, your UOB credit card can also give you access to exclusive shopping and dining perks. For example, the Dining Advisor program offers up to 50% off dining at over 1,000 restaurants in Singapore and around the world. Meanwhile, The Travel Insider program offers exclusive travel deals and discounts on hotels, flights, and more.
If you’re looking for even more exclusive benefits, consider the KrisFlyer UOB Debit Card. This card gives you access to exclusive airport lounge access and priority check-in with Singapore Airlines, as well as a range of other travel benefits.
Overall, by using your UOB credit card for overseas spending in Singapore, you can earn rewards and benefits that can help you save money and enhance your travel experience. So the next time you’re planning a trip abroad, be sure to take advantage of everything your UOB credit card has to offer.
Managing Fees and Charges
When travelling abroad, using your UOB credit card can be a convenient and secure way to manage your expenses. However, it’s important to be aware of the fees and charges that may apply to your transactions. Here’s what you need to know to manage your fees and charges effectively.
Understanding Transaction Fees
UOB credit cards charge a foreign transaction fee of 3.25% on all overseas transactions. This fee is charged on top of the exchange rate and can add up quickly, especially if you’re using your card frequently. To avoid this fee, consider using a card that doesn’t charge foreign transaction fees, such as the UOB Visa Signature Credit Card.
Avoiding Dynamic Currency Conversion
Dynamic Currency Conversion (DCC) is a service offered by some merchants that allows you to pay in your home currency instead of the local currency. While this may seem convenient, it often comes with a high conversion fee and an unfavorable exchange rate. To avoid DCC, always choose to pay in the local currency and decline any offers to pay in your home currency.
To further manage your fees and charges, consider the following tips:
- Check your card’s cashback and rewards program to see if you can earn rewards on your overseas spending.
- Pay your balance in full each month to avoid interest charges.
- Keep an eye on the exchange rate and consider using a currency converter app to compare rates.
- Be aware of any annual fees or other charges that may apply to your card.
By understanding the fees and charges associated with your UOB credit card and taking steps to manage them effectively, you can make the most of your overseas spending and avoid any surprises on your bill.
Additional Features and Services
If you are planning to use your UOB credit card for overseas spending, you will be happy to know that it comes with a range of additional features and services that can make your experience even better. Here are some of the key features you can enjoy:
Travel Insurance and Protection
When you use your UOB credit card for overseas spending, you can enjoy complimentary travel insurance coverage of up to $500,000. This coverage includes medical expenses, personal accident insurance, and travel inconvenience benefits. You can activate this coverage simply by charging your travel expenses to your UOB credit card.
In addition to travel insurance, UOB also offers other forms of protection for your credit card. For example, you can sign up for TMRW by UOB, a mobile app that allows you to manage your credit card account and monitor your transactions in real-time. The app also offers verification services to help protect you against fraud and unauthorized transactions.
Convenient Mobile App Services
Speaking of mobile apps, UOB offers a range of convenient services that you can access through its app. For example, you can use the app to activate your credit card for overseas use, which can be done with just a few taps. You can also use the app to manage your KrisShop and Kris+ accounts, which allow you to earn additional rewards when you shop with UOB’s partners.
Overall, UOB credit cards offer a range of features and services that can make your overseas spending experience more convenient and rewarding. Whether you are looking for travel insurance coverage, mobile app services, or other forms of protection for your credit card, UOB has you covered.
Practical Tips for Card Usage Abroad
When travelling overseas, it’s essential to have a credit card that offers low foreign transaction fees and rewards for your purchases. UOB credit cards are a great choice for Singaporeans who frequently travel abroad. Here are some practical tips to help you make the most of your UOB credit card overseas.
Activating Your Card for Overseas Use
Before you leave Singapore, ensure that your UOB credit card is activated for overseas use. You can do this through UOB’s online banking portal or by calling their customer service hotline. It’s important to activate your card because some transactions may be blocked if your card is not enabled for overseas use.
Safe Spending Practices
When using your UOB credit card overseas, it’s important to practice safe spending habits to avoid fraud and unauthorised transactions. Here are some tips to help you stay safe:
- Keep your card in a secure place, such as a wallet or purse, and never leave it unattended.
- Check your card transactions regularly to ensure that there are no unauthorised charges.
- Use your card only at reputable merchants and avoid using it at unsecured locations, such as free Wi-Fi hotspots.
- If you lose your card or suspect that it has been stolen, report it to UOB immediately to prevent unauthorised transactions.
Other Tips
Here are some additional tips to help you make the most of your UOB credit card overseas:
- Use your UOB credit card to pay for utilities and food delivery services to earn rewards points.
- Use Grab to pay for local commuter transport and earn rewards points.
- When shopping online, use your UOB credit card to take advantage of their online shopping promotions.
- UOB credit cards are accepted worldwide, so you can use them wherever Mastercard or American Express cards are accepted.
With these practical tips, you can make the most of your UOB credit card overseas and enjoy a worry-free travel experience. Remember to always practice safe spending habits and keep your card activated for overseas use.
Frequently Asked Questions
How can I activate my UOB credit card for international spending?
Activating your UOB credit card for international spending is a simple process that can be done in a few steps. You can activate your card for overseas use via internet banking, mobile banking, or by calling the UOB customer service hotline. Once activated, you can use your UOB credit card to make purchases and withdraw cash overseas.
What perks come with using my UOB credit card abroad?
Using your UOB credit card abroad comes with several perks, including earning rewards points and cashback for every transaction made overseas. Additionally, UOB credit cards offer competitive foreign exchange rates, which means you can save money when making purchases in foreign currency.
Is there a limit to how much I can spend overseas with my UOB credit card?
Yes, there is a limit to how much you can spend overseas with your UOB credit card. The exact limit varies depending on the type of UOB credit card you have, so it’s important to check the terms and conditions of your card before traveling overseas.
How do I calculate the interest on overseas transactions with my UOB credit card?
Interest on overseas transactions with your UOB credit card is calculated based on the prevailing interest rate at the time of the transaction. To calculate the interest, you can refer to your credit card statement or contact UOB customer service for assistance.
What steps should I follow to deactivate overseas usage on my UOB credit card?
If you want to deactivate overseas usage on your UOB credit card, you can do so via internet banking, mobile banking, or by calling the UOB customer service hotline. Once deactivated, your UOB credit card will only be usable for transactions made in Singapore.
What charges will I incur for ATM withdrawals outside Singapore with my UOB card?
ATM withdrawals outside Singapore with your UOB card may incur a fee, which varies depending on the type of UOB credit card you have and the location of the ATM. To avoid incurring unnecessary fees, it’s important to check the terms and conditions of your card before traveling overseas.