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Best Credit Cards to Earn Miles for Overseas Spending

Best Mileage Credit Cards for Overseas Spending Air Miles Rewards Points
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1. Which Credit Cards are Best for Travel Overseas?

2. Best Mileage Back Credit Cards for Overseas Spending

3. What is the Best Miles Credit Card for Overseas Use?

 

Which Credit Cards are Best for Travel Overseas?

Credit cards that award miles for overseas spend are becoming increasingly popular for overseas travel. Although Cashback Credit Cards for Overseas Spending can sometimes more than offset any overseas bank transaction fees involved, the minimum spending requirements could be a huge deterrence. Cardholders looking for other options might be be more inclined to use mileage or reward points credit cards instead to chalk up those miles or reward points and at the same time not be restricted with minimum spending requirements. Miles or reward points awarded for spending on credit cards also take years to expire or better still, no expiry date at all in certain cases. Taking into consideration the mentioned benefits, let us take a closer look at how the various mileage or reward points credit cards stack up against each other in the table below.

 

Best Mileage Back Credit Cards for Overseas Spending

Credit Card Issuer and Type of Credit Card Minimum Requirements / Conditions Mileage Earn Rate

UOB Visa Signature Card

Minimum spend of $1,000 per statement period

Earn 4 air miles or 10X UNI$ (2.00% cash rebate) per $1 overseas spend

UOB Preferred Platinum Visa Card

Only for contactless spend including Google Pay, Apple Pay and UOB Mighty

Earn 4 air miles or 10X UNI$ (2.00% cash rebate) per $1 spend on overseas contactless payments

HSBC Revolution Credit Card

Only for contactless payments including Visa payWave, Google Pay and Apple Pay

Earn 4 air miles or 10 Rewards Points (2.50% cash rebate) per $1 overseas contactless spend

Citibank Rewards Visa / MasterCard Card

Only eligible for retail shopping overseas

Earn 4 air miles or 10X Citi ThankYou Points (2.27% cash rebate) per $1 overseas retail shopping spend

OCBC Titanium Rewards Card

Only eligible for overseas shopping for babies and children’s wear, department stores, clothes, shoes and bags, electronics and gadgets and personal care

Earn 4 air miles or 10X OCBC$ (2.78% cash rebate) for every $1 overseas shopping spend

UOB Lady's Solitaire Card

UOB Lady's Card

Only eligible for overseas spend that qualify and chosen as a preferred category. Categories include fashion, beauty and wellness, travel, dining, transport, entertainment and family

Earn 4 air miles or 10X UNI$ (2.00% cash rebate) per $1 spend in overseas spend in chosen category

DBS Vantage Card

10X DBS Points only for overseas dining and petrol spend

Earn 4 air miles or 10X DBS Points per $1 overseas petrol and dining spend
Earn 2.2 air miles or 5.5X DBS Points per $1 on all other overseas spend

Standard Chartered Visa Infinite Card

Only valid if mnimum spend of $2,000 in a statement month met. Else earn rate is 1 air mile per $1 spend

Earn 3 air miles or 7.5X Points (3.00% cash rebate) per $1 spend

Standard Chartered Rewards Plus Card

Only eligible for overseas retail, dining and travel spend

Earn 2.90 air miles or 10X Points (3.13% cash rebate) per $1 overseas retail, dining and travel spend

UOB PRVI Miles World MasterCard Card

UOB PRVI Miles American Express Card

UOB PRVI Miles Visa Card

UOB Reserve Visa Infinite Card

None

Earn up to 2.4 air miles or 6X UNI$ (1.20% cash rebate) per $1 overseas spend.

DBS Treasures Black Elite American Express Card

None

Earn 2.4 air miles or 6X DBS Points (1.00% cash rebate) per $1 overseas spend

Amex SIA Solitaire PPS Credit Card

Step-up earn rate of 2.4 Krisflyer miles per $1 overseas spend only valid for all spending above $3,800 in a month

Earn 1.3 Krisflyer miles per $1 spend

Earn 2.4 Krisflyer miles per $1 spend

HSBC Visa Infinite Card

Step-up earn rate of 1.25 air miles per $1 spend only valid from Year 2 of card membership

Earn 2 air miles or 5X Rewards Points (1.25% cash rebate) per $1 spend

Earn 2.25 air miles or 5.625X Rewards Points (1.41% cash rebate) per $1 spend

OCBC VOYAGE Visa Infinite Card

None

Earn 2.2 VOYAGE miles (2.2% cash rebate) per $1 overseas spend

OCBC 90°N Card

OCBC 90°N Visa Card

None

Earn 2 air miles or 2.0 Travel$ (2% cash rebate) per $1 spend in foreign currency

Standard Chartered Visa Infinite X Card

None

Earn 2 air miles or 5X Points (2.00% cash rebate) per $1 spend

Citibank PremierMiles Card

Citi Prestige Card

Citibank Ultima Card

None

Earn 2 air miles or 2 Citi Miles (1.43% cash rebate) per $1 overseas spend

Maybank Horizon Visa Signature Card

Maybank Visa Infinite Card

None

Earn 2 air miles or 5X Treats Points (1.47% cash rebate) per $1 overseas spend.

DBS Altitude Visa Signature Card

DBS Altitude American Express Card

DBS Insignia Visa Infinite Card

None

Earn 2 air miles or 5X DBS Points (0.83% cash rebate) per $1 overseas spend

UOB Visa Infinite Metal Card

None

Earn 2 air miles or 5X UNI$ (1.00% cash rebate) per $1 overseas spend

BOC Elite Miles World MasterCard

None

Earn 2 air miles per $1 overseas spend

American Express SIA KrisFlyer Ascend Card

American Express SIA KrisFlyer Card

Only during the month of Jun and Dec

Earn 2 KrisFlyer miles per $1 overseas spend

Amex SIA Solitaire PPS Credit Card

Step-up earn rate of 2.0 Krisflyer miles per $1 overseas spend only valid for all spending above $3,800 in a month

Earn 1.3 Krisflyer miles per $1 spend

Earn 2.0 Krisflyer miles per $1 spend

 

What is the Best Miles Credit Card for Overseas Use?

The flexible UOB Visa Signature Card gets our vote for being the best mileage credit card for overseas travel. Its 10X UNI$ earn rate for overseas spend can also be converted to 4 air miles per $1 overseas spend or 2.3% cash rebate. The low minimum spend of $1,000 in foreign currencies is also not a big deterrence if you consider the fact that tourists usually spend more than $1,000 overseas. However, cardholder should take note that the 10X UNI$ earn rate is capped at a relatively low $2,000 (4,000 UNI$) spend in a statement month which is probably insufficient for a good long holiday and UOB imposes a 3.25% foreign currency conversion fee which is higher than the 2.3% cash rebate. On the other hand, we have to give credit to UOB because UOB Visa Signature Card's 10X UNI$ earn rate for overseas spend have been constant from Day 1 of card launch and has helped UOB secure its status as one of the more transparent and reliable card-issuers around.

 

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