Quick answer: For most overseas spenders, the UOB Visa Signature tops with 4 miles per dollar, while the DBS Altitude gives uncapped 2 mpd and miles that never expire. The Standard Chartered Visa Infinite suits big-ticket spenders at 3 mpd, and the Maybank Horizon’s 2.8 mpd kicks in with a lower S$800 minimum. If you prefer points flexibility, OCBC 90°N lets you transfer to multiple airlines, and the Amex KrisFlyer card sends miles straight to your Singapore Airlines account.
You’re not looking for a card that just converts currency. You’re looking for one that converts your spending into miles without those annoying admin fees eating your return. That’s the game with a foreign currency credit card in Singapore: you want the earn rate to make the transaction fees feel invisible, and you want the setup to be as straightforward as your trip plan. Here’s how the top cards stack up for the value-minded traveller.
Not sure this is the right list? Best Credit Cards in Singapore has 32 others alongside it.
UOB Visa Signature
You know that sinking feeling when your card bill lands after a trip and the foreign transaction fees have piled up? The UOB Visa Signature doesn’t quite erase them, but it rewards you so fast that you barely mind.
On foreign currency spend, you earn 4 miles per S$1, capped at S$2,000 a month, provided your total monthly card spend hits S$1,000. That includes dining, shopping, and any swipe processed outside Singapore. No foreign transaction fees apply on selected categories, and you get complimentary travel insurance. MileLion pegs the mile cost at just 0.81 cents, which makes racking up miles feel like a side mission.
Practical info
Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
Phone: 1800 222 2121
Hours: Mon–Fri 9.30am–4.30pm, Sat 9.30am–12.30pm
UOB Visa Signature on UOB website
If your overseas spending sits north of a grand a month without blinking, this card turns every trip into a fast-forward button for your next redemption. The high earn rate is the main draw – just keep that monthly minimum in mind so you don’t leave miles on the table.
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If you can consistently clear S$1,000 a month including your overseas transactions, this card makes foreign spending feel almost like a domestic reward category. The 4-mile earn rate on international swipes turns your Bangkok shopping and Tokyo dinners into your next flight without much effort. Just keep an eye on that S$2,000 foreign spend cap, then switch to a backup.
DBS Altitude Visa Signature
Some cards chase you with tiers and hoops. The DBS Altitude Visa Signature takes the other road – earn 2 miles per S$1 on every foreign currency transaction, no cap, and your miles don’t expire. It’s refreshingly uncomplicated.
You also pick up bonus miles when you book flights through Expedia, and no foreign transaction fees apply at selected partner merchants. Throw in complimentary lounge access, and those long layovers suddenly feel less sian. MoneySmart ranks this card highly for its straightforward earn rate and flexible redemptions.
Practical info
Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
Phone: 1800 111 1111
Hours: Mon–Fri 8.30am–4pm, Sat 8.30am–12.30pm
DBS Altitude Visa Signature on DBS website
This card suits the traveller who prefers to set and forget. No monthly minimum spend to chase, miles that sit tight until you need them, and lounge access that turns a jam-packed budget trip into something slightly more human.
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When you’d rather not monitor monthly spending tiers, this card’s no-cap, no-expiry approach is a relief. Every overseas swipe quietly adds to a growing mile balance that waits for your next big trip. The lounge access is a bonus, but the real win is knowing your miles won’t vanish while you plan that once-in-a-lifetime itinerary.
Standard Chartered Visa Infinite
When your idea of a light spending month still clears a few thousand dollars, the Standard Chartered Visa Infinite steps up with 3 miles per S$1 on foreign currency spend, and no cap after you cross the S$2,000 monthly minimum. Foreign transaction fees get waived in priority categories, and unlimited lounge visits come as standard.
MileLion calculates the mile cost at 1.17 cents, which is competitive for a card that also wraps in strong travel insurance and concierge services. It’s heavy-duty, but then so is the target user.
Practical info
Address: Marina Bay Financial Centre, Tower 1, 8 Marina Blvd, #01-01, Singapore 018981
Phone: +65 6747 7000
Hours: Mon–Fri 10am–5pm
Standard Chartered Visa Infinite on SC website
For the high-net-worth traveller who values lounge access and premium service as much as the miles themselves, this card rewards heavy overseas spending without playing hard to get. The minimum spend is real, so make sure your monthly habits already clear it comfortably.
For those whose monthly statement already runs well past S$2,000, this card treats foreign currency like a standard earn category. The fee waivers in key areas mean you’re not subsidising the bank’s margin, and unlimited lounge access adds a touch of comfort to every layover. The mile cost stays fair even when you’re not min-maxing.
Maybank Horizon
The Maybank Horizon keeps the barrier low and the earn rate solid: 2.8 miles per S$1 on foreign currency transactions, no cap after you spend just S$800 a month. You also get minimal foreign fees and a genuinely useful extra – complimentary airport transfers.
At 1.16 cents per mile by MileLion’s reckoning, it sits among the more cost-effective options without demanding a fat monthly bill. The airport transfer alone can save you a decent grab fare, adding practical value beyond the miles.
Practical info
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Phone: 1800 629 2265
Hours: Mon–Fri 10am–6.30pm
Maybank Horizon on Maybank website
Ideal for the regular but not extravagant traveller – the S$800 minimum is accessible, and the airport transfer turns early-morning flights into a slightly less groggy affair. If you’re still sorting out which miles card to pick, our guide on Ways To Earn Airline Miles With Credit Cards in Singapore breaks it down.
At just S$800 a month, the earn rate kicks in without demanding a luxury lifestyle. The airport transfer covers a real cost, and the minimal foreign fees keep the card’s own margins low. If your spending pattern is consistent but not extravagant, this card defends your travel budget without making you jump through hoops.
OCBC 90°N Card
Instead of a fixed miles-per-dollar rate, the OCBC 90°N Card earns rewards points on all foreign currency spending, with no cap. You transfer those points to a range of airline and hotel loyalty programmes – which means you’re not locked into a single redemption path. No foreign transaction fees apply with key partners.
MoneySmart highlights its flexibility, especially if you spread your points across different frequent-flyer accounts. It’s a card that trusts you to know what you’re doing with your miles.
Practical info
Address: 65 Chulia Street, OCBC Centre, Singapore 049513
Phone: +65 6363 3333
Hours: Mon–Fri 9.30am–4.30pm, Sat 9.30am–12pm
OCBC 90°N Card on OCBC website
This card suits the points-savvy spender who loves comparing redemption charts and squeezing value out of transfers. If playing the miles game across several programmes sounds fun rather than tiring, the 90°N gives you that runway.
This one doesn’t force you into a single frequent-flyer programme. You earn points and decide later which loyalty network best serves your next trip. That flexibility is handy when you have a drawer full of different membership numbers. The partner fee waivers keep costs down, so your points aren’t eaten before you even transfer them.
American Express Singapore Airlines KrisFlyer Credit Card
If your heart beats for Singapore Airlines, the Amex KrisFlyer card does the simplest thing: every overseas purchase converts directly into KrisFlyer miles – no transfers, no fuss. Foreign conversion fees are skipped, and welcome bonus miles come your way when you meet the initial spend threshold.
MoneySmart calls it a powerful entry-level miles card, and the direct-credit setup makes it easy for anyone who just wants their balance to grow without thinking too hard.
Practical info
Address: 1 Marina Boulevard, #22-00, One Marina Boulevard, Singapore 018989
Phone: +65 6396 6000
Hours: Mon–Fri 9am–6pm (customer service 24/7 for urgent matters)
Amex KrisFlyer card on Amex website
Fits the Singapore Airlines loyalist who flies enough to redeem and wants a card that feeds directly into the programme. Younger spenders might find our list of Premium Credit Cards for Young Adults in Singapore for Sophisticated Starter helpful too.
If most of your travel involves SIA, this card removes the mental math. No transferring, no waiting for points to clear—just a clean flow from overseas purchase to your KrisFlyer account. The welcome bonus gives your first redemption a head start, and the fee-free overseas transactions mean you’re not paying extra for the privilege of loyalty.
UOB PRVI Miles Card
The UOB PRVI Miles Card earns 2.4 miles per S$1 on overseas dining and shopping, with zero minimum spend to unlock the rate. Miles are uncapped, and you get travel insurance up to S$500,000 as part of the package. MoneySmart highlights the insurance and no-cap structure as major draws for anyone who values peace of mind.
No need to track monthly thresholds – just swipe at a restaurant in Bangkok or a boutique in Tokyo and the miles roll in.
Practical info
Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
Phone: 1800 222 2121
Hours: Mon–Fri 9.30am–4.30pm, Sat 9.30am–12.30pm
UOB PRVI Miles Card on UOB website
This is for the diner and shopper who spends on experiences abroad rather than big-ticket flights. The earn rate is honest, the insurance is solid, and the lack of a spending floor means you’ll never have a month where your miles tally stays flat.
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How to choose
The biggest fork in the road is how much you reliably spend overseas each month. If your bill regularly crosses S$1,000 and sometimes S$2,000, the UOB Visa Signature and Standard Chartered Visa Infinite give you aggressively high earn rates, but they expect that minimum spend in return. Not hitting it means those miles don’t land.
For lighter or irregular spenders, the DBS Altitude, Maybank Horizon and UOB PRVI Miles cards keep things simpler. They earn miles on every foreign transaction without requiring a spending floor, so you can have quiet months and still see your balance grow. Maybank’s S$800 minimum is the middle ground – low enough for many, with a solid rate.
Think about where your miles end up, too. The Amex KrisFlyer card credits straight to Singapore Airlines – great if you hoard KrisFlyer miles and know exactly which flights you want. The OCBC 90°N lets you spread points to multiple programmes, which is useful if you switch between airlines or want to compare redemption value.
Foreign transaction fees are often waived on select partners, but check the fine print. Cards like the UOB Visa Signature and Standard Chartered Visa Infinite waive fees on certain categories, not across the board.
| Card | Earn Rate on Foreign Spend | Monthly Min Spend to Qualify | Foreign Transaction Fees | Standout Perk |
|---|---|---|---|---|
| UOB Visa Signature | 4 mpd | S$1,000 (up to S$2,000 spend) | Waived on selected categories | Lowest mile cost at 0.81¢ |
| DBS Altitude Visa Signature | 2 mpd | None | Waived for selected partners | Miles never expire, lounge access |
| Standard Chartered Visa Infinite | 3 mpd | S$2,000 | Waived in priority categories | Unlimited lounge visits |
| Maybank Horizon | 2.8 mpd | S$800 | Minimal foreign fees | Complimentary airport transfers |
| OCBC 90°N Card | Points (transferable) | None | No foreign fees for key partners | Flexible programme transfers |
| Amex KrisFlyer Card | Miles directly to KrisFlyer (rate not specified) | None (welcome bonus has min spend) | No conversion fees | Direct KrisFlyer credit |
| UOB PRVI Miles Card | 2.4 mpd (dining/shopping overseas) | None | Check with the business | Insurance up to S$500,000 |
Summary
The foreign currency card that works hardest for you depends on your monthly spending rhythm. High-rolling travellers get the most out of the UOB Visa Signature or Standard Chartered Visa Infinite; those who prefer zero fuss and no monthly targets should look at the DBS Altitude or UOB PRVI Miles. If your loyalty lies with a specific airline, the Amex KrisFlyer card keeps it direct, while the OCBC 90°N Card hands you the keys to multiple programmes.
Disclaimer: All details were accurate at the time of writing. Interest rates, fees, and minimum spends can change, so please confirm directly with the bank before applying.
Frequently asked questions
No minimum spend means every overseas meal and purchase directly builds your mile count, even on light travel months. The included travel insurance covers a substantial amount, which removes one worry from your trip planning. For anyone who values a straightforward, no-cap setup, this card offers a dependable earn rate across dining and shopping abroad.
What is a foreign currency credit card?
It’s any credit card that gives you extra rewards or fee waivers when you spend in a currency other than Singapore dollars. The cards in this list earn miles or points on overseas transactions and often reduce or remove the usual foreign transaction fees.
Which card has the highest miles earn rate?
The UOB Visa Signature offers 4 miles per S$1, the highest among these cards, capped at S$2,000 in foreign currency spend per month provided you spend at least S$1,000 overall.
Are there cards with no foreign transaction fees?
Several cards waive fees on selected categories or partner merchants, but none in this list advertise a blanket zero-fee policy on all foreign transactions. Check the individual card terms to see where fees are waived.
Do I need a minimum income to apply for these cards?
Income requirements vary by card and bank. Some premium cards like the Standard Chartered Visa Infinite have higher income thresholds, while others are more accessible. Confirm directly with the issuing bank.
Can I use these cards for online shopping in foreign currency?
Yes, any online purchase processed in a foreign currency is treated as overseas spend, so it will earn the same miles or points as a physical transaction abroad. Just note that dynamic currency conversion should be avoided.
How do I apply for these cards?
You can apply through the bank’s website or at a branch. Each entry in this guide includes a direct link to the card’s official page. Have your identification and income documents ready.
