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Best credit cards for overseas spending in Singapore (2026)

On the spending below, the Maybank Family & Friends pays about S$1,129 a year after its annual fee, ahead of the Maybank Horizon at S$901. We ranked 27 cards using each bank's published rates, caps and minimum spend.

Last verified 27 Oct 2026 against each bank's own terms.

  1. Maybank

    Maybank Family & Friends

    Cashback1st year fee waived

    S$1,129/yr

    S$1,325 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Groceries at 6%

  2. Maybank

    Maybank Horizon

    Miles1st year fee waived

    S$901/yr

    73,152 miles a year ≈ S$1,097

    − S$196 fee

    Foreign currency at 2.8 mpd · Dining, groceries, transport, petrol, travel at 1.2 mpd

  3. UOB

    UOB One

    Cashback1st year fee waived

    S$892/yr

    S$1,088 cashback a year

    − S$196 fee

    Quarterly cashback S$200 · Extra: supermarkets at 4.67%

  4. UOB

    UOB PRVI Miles

    Miles1st year fee waived

    S$885/yr

    76,464 miles a year ≈ S$1,147

    − S$262 fee

    Foreign currency at 2.4 mpd · Local spend at 1.4 mpd

  5. Standard Chartered

    SC Journey

    Miles

    S$869/yr

    70,992 miles a year ≈ S$1,065

    − S$196 fee

    Foreign currency at 2 mpd · Other local spend at 1.2 mpd

  6. DBS

    DBS Altitude Visa

    Miles1st year fee waived

    S$861/yr

    70,488 miles a year ≈ S$1,057

    − S$196 fee

    Foreign currency at 2.2 mpd · Local spend at 1.3 mpd

  7. Citi

    Citi PremierMiles

    Miles

    S$825/yr

    68,112 miles a year ≈ S$1,022

    − S$196 fee

    Foreign currency at 2.2 mpd · Local spend at 1.2 mpd

  8. OCBC

    OCBC 90°N

    Miles1st year fee waived

    S$815/yr

    67,440 miles a year ≈ S$1,012

    − S$196 fee

    Foreign currency at 2.1 mpd · Local spend (excl. bus/MRT) at 1.3 mpd

  9. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$789/yr

    65,664 miles a year ≈ S$985

    − S$196 fee

    Online spend at 4 mpd · Foreign currency at 1.2 mpd

  10. HSBC

    HSBC Revolution

    Miles

    S$747/yr

    49,781 miles a year ≈ S$747

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

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What to look for

Most Singapore cards add a fee of about 3.25% on foreign-currency spending. A good overseas card earns enough to cover most of that fee. This ranking uses S$1,500 a month charged in foreign currency, and the earn rates shown are before the fee.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Travel bookingsS$200
Foreign currencyS$1,500
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$3,600

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best credit cards for overseas spending in Singapore?

On our test profile the top card is the Maybank Family & Friends from Maybank, at about S$1,129 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

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