I Compared EVERY Singapore Credit Card for Overseas Foreign Currency Spend

Every time you swipe your Singapore credit card overseas, the bank silently takes 3.25% in FX fees. In 2026, there are 10 credit cards that let you earn up to 8% cash back or 4 miles per dollar on foreign currency spend, and some carry zero FX fees entirely. Sponsor: 🐬 uSMART Code nya5ae https://hmsg.link/usmart uSMART is a MAS-regulated trading platform offering up to 8.8% p.a. on the Maybank Money Market Fund: a smarter place to park your travel budget while you wait to use it. New customers who deposit at least $5,000 SGD can redeem a free handheld fan, collectable at the uSMART Robinson or Somerset branch. LINKS MENTIONED / REFERRAL LINKS - Instarem Amaze https://hmsg.link/amaze Code: HONEYMONEY - Citi Rewards https://hmsg.link/citirewards - Mari Credit Card (Maribank) code 9QGO55OJ https://hmsg.link/maribank - UOB VISA Signature https://hmsg.link/uobvs - Maybank World Mastercard https://hmsg.link/maybankwmc - Trust Cashback Card https://hmsg.link/trustcb code HUQPC614 - Maybank Family & Friends https://hmsg.link/maybankfnf - UOB EVOL https://hmsg.link/uobevol - UOB PRVI AMEX https://hmsg.link/prviamex - UOB PRVI MasterCard https://hmsg.link/prvimc - UOB PRVI VISA https://hmsg.link/prvivisa _________________________________ 🔭 Telegram Group: https://hmsg.link/telegram 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg ⭐️ Website https://honeymoneysg.com 🌟 My referral codes: https://honeymoneysg.com/#deals 📙 Solo Biz: https://hmsg.link/solobiz ☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop 🎵 TikTok https://www.tiktok.com/@honeymoneysg 📧 Email (Business only): sghoneymoney@gmail.com 🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard 📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing 💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi 💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay 🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance 💼 BUSINESS 💼 🔗 https://hmsg.link/business ✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel 🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance 🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle 👨🏻‍💻 PROFESSIONAL SERVICES 👨🏻‍💻 🔗 https://hmsg.link/services 🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews. _________________________________ This video covers the 10 best Singapore credit cards for overseas and foreign currency spending, split into miles cards and cashback cards so you can match the right one to your spending style. From the Citi Rewards + Amaze combo that cuts your FX fee to 2.5% while earning 4 mpd, to the Mari credit card offering 1.5% cashback with zero FX fees, to the DCS Flex card giving 8% cashback with a $600 minimum spend — there is a card for every travel pattern. Debit cards and multicurrency cards are excluded; this video focuses purely on credit cards with better fraud protection and no pre-funding required. A full comparison table is shown at the end so you can make a direct side-by-side call. ✅ Highlights: Citi Rewards + Instarem Amaze combo: 4 mpd at 0.63 cents per mile UOB Visa Signature: 4 mpd with a tight $1,000 to $1,200 foreign spend window Maybank World Mastercard: 3.2 mpd with never-expiring TREATS Points UOB PRVI Card: 3 mpd for Malaysia, Indonesia, Vietnam and Thailand only Mari Credit Card vs Trust Cashback: 1.5% vs 0.5%, breakeven at $4,500/month DCS Flex and Maybank XL: 8% and 5% cashback options for high-volume spenders #SponsoredBy #uSMART