It’s always smart to find ways to make your money work harder for you. For travellers, one clever (and rather sensible) hack is finding the right travel credit cards so you get more miles and travel perks just for spending on your credit card.
This list of travel credit cards from major banks like CIMB, Citibank, DBS, and Maybank will give you an idea of some of the current deals running so you can make smarter money decisions. These travel credit cards reward you with air miles and cashback to put towards your next holiday. You can also enjoy great discounts and offers on hotels and flights. Some even throw in travel perks like lounge access and free travel insurance!
But before you start applying for new credit cards, make sure you do your due diligence. Travel credit card promotions come with their own set of terms and conditions and you should understand them fully before signing up.
Pick your credit card bank
List of credit cards for travellers
1. CIMB travel credit cards
CIMB Visa Infinite: Unlimited 2% cashback on your travel spends
If you make a large amount of travel-related purchases each month, this card could be worth getting. CIMB Visa Infinite rewards cardholders with uncapped 2% cashback on travel bookings, as well as overseas spends. Note that a minimum spend of $2000 per statement month will be required for this 2% cashback to kick in. The good news is that there is no annual membership fee for CIMB Visa Infinite cardholders – it’s free for life!
Traveller Perks: You’ll get free travel insurance, concierge service, and access to over 1,000 airport lounges globally.
CIMB Platinum Mastercard: 10% cashback on spending
If your monthly spend is not high enough to warrant getting the CIMB Visa Platinum, check out its little brother for comparison. The CIMB Platinum Mastercard rewards you with 10% cashback on all your flight and hotel bookings (as well as other categories of day-to-day spending), with a minimum spend of $600 per statement month. You could also get up to $100 in cashbacks per month to put towards your next trip!
2. Citibank travel credit card
Citibank PremierMiles Visa Card: 10,000 miles sign-up bonus
From now until 31 December 2019, you could get 10,000 free miles by signing up for a Citibank PremierMiles Visa Card. A minimum spend of $3000 within 3 months from the card approval date is required to qualify for this travel credit card promotion. You’ll also earn 2 miles per $1 foreign currency spend, and 1 mile per $1 local spend.
Traveller Perks: Cardholders enjoy free travel insurance coverage and 2 complimentary VIP lounge passes per year. One of the best parts about having this credit card is your earned miles will never expire!
3. DBS travel credit cards
DBS Altitude Visa Card: Earn up to 4 miles per $1 spend
The DBS Altitude Card normally rewards cardholders with 3 miles for every $1 spent on hotel and flight bookings. This year, DBS is offering a special travel credit card promotion that gives you an additional mile per spend. From now till 31 December 2019, you stand to earn up to 4 miles per $1 spend on flight and hotel bookings online. Do note that a 2.2% administrative fee is applicable. You’ll also get additional miles for local and overseas spending.
Traveller Perks: The DBS Altitude Visa Card gives cardholders complimentary Priority Pass memberships, 2 free lounge visits per year, 15% off retail rates for airport transfers (until 31 December 2019), and many other exclusive discounts and offers on flights, hotels, and tours around the world.
DBS Live Fresh Card: Free 2N stay in London
Calling all young travellers between the ages of 18 to 35 years old! DBS has collaborated with Contiki to bring you deals on once-in-a-lifetime travel experiences. Yearning to discover Europe? Join Contiki’s European Discovery tour to explore 9 different countries in 12 days, and get 2 free nights in London with the DBS Live Fresh Card. This is inclusive of hotel accommodation, daily breakfast, an open-top bus tour, and a theatre ticket. You can also enjoy 10% off a 9-day adventure through South New Zealand or a 9-day Greek island escape to Mykonos and Santorini.
The good news is if you’re thinking of spending summer in Europe, flight prices from Singapore to Europe are getting much more affordable. Find great fares for your chosen Contiki adventure:
- Fly to London to start your European Discovery Tour
- Head to Athens to start your Mykonos and Santorini Island Escape
- Fly to Christchurch to start your Sweet as South New Zealand adventure
4. Maybank travel credit card
Maybank Horizon Visa Signature Card: 2 miles per $1 spend on travel purchases
The Maybank Horizon Visa Signature Card helps you earn 2 air miles for every dollar you spend on air tickets, travel packages, and foreign currency transactions (minimum spend of $300 per month required for this reward).
Traveller Perks: Complimentary access to VIP airport lounges, free travel insurance, 3-year fee waiver for your principal card, free supplementary cards, and other opportunities to earn miles on your day-to-day spending.
How to spot good credit card travel promotions
A good travel credit card travel is simply the one that suits you the best. You need to understand your spending habits, travel needs, and be able to do some basic math to calculate the real value of each programme or promotion to you.
1. Understand your bank’s reward points systems and conversion rates
Each bank will have its own reward points/credit system which can be converted into air miles (or other promotional rewards). You’ll need to understand how many bank reward points you get per $1 spending on a particular credit card. You also need to know how many air miles you can convert to with that 1 bank reward point. Note: some banks will charge you for converting reward points into air miles so do take that into account.
2. Read the fine print
To fully evaluate if a travel credit card promotion is for you or not, read the terms and conditions of the offer. Some offers require a minimum spend, and others have a maximum spending limit (which essentially caps the number of air miles you can earn). Going through the fine print will help you understand which promotion suits your spending habits and travel needs the best.
Ready to put your travel credit card promotions to use? Get great flight deals or download our free mobile app for Android or mobile app for iOS for easy browsing and booking on the go.
Originally published on 29 April 2019. Any prices are lowest estimated prices only at the time of publication and are subject to change and/or availability.