Vidhu Bajaj
Nilooka Dissanayake
Two ways to save abroad
A few Singapore cards charge no foreign transaction fee at all, so you pay the card network's exchange rate. Others charge the usual fee but pay more miles, points or cashback on overseas spend.
Which is better depends on how much you spend overseas and what you value. Use the calculator above to see what the fee costs you.
Paying overseas
When a shop or website offers to charge you in Singapore dollars, choose the local currency instead. The merchant's rate is usually worse, and the bank may still charge its fee.
For miles on overseas spend, compare miles cards. For lounge visits and travel insurance, see travel credit cards.
Overseas spending credit card FAQs
A percentage the bank adds to every purchase in a foreign currency. Most Singapore cards charge about 3.25%, and some also charge a fee on Singapore dollar purchases with an overseas merchant. Each card shows its fee as the bank states it.