Best Travel Credit Card Singapore (2026): YouTrip, Revolut, Wise & More
Compare the best travel cards in Singapore — zero FX fees, no annual fee, and real exchange rates that save you money every trip.
The best travel credit card in Singapore for most people is YouTrip — it charges zero FX fees, uses the real Mastercard exchange rate, and has no annual fee. For frequent travellers who want more features, Revolut (Standard, free) and Wise are strong alternatives. Traditional bank credit cards typically charge 2.5–3.5% in FX fees, costing you SGD 250–350 per SGD 10,000 spent overseas. Switching to a multi-currency card can eliminate this entirely.
Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.
- YouTrip: best overall for zero FX fees and simplicity — use our YouTrip referral code for SGD 10 free credit
- Revolut: best for frequent travellers who want budgeting tools, crypto, and global transfers
- Wise: best for international money transfers and holding multiple currencies at near-zero cost
Table of Contents
Contents — Click to expand
- Why You Should Ditch Your Bank’s Travel Card
- Best Travel Cards Singapore: Side-by-Side Comparison
- YouTrip Review: Best for Zero FX Fees
- Revolut Singapore Review: Best for Frequent Travellers
- Wise Card Review: Best for International Transfers
- Google Pay & Trust Bank: Cashback Alternatives
- How to Choose the Right Travel Card
- Frequently Asked Questions
Why You Should Ditch Your Bank’s Travel Card
Most Singaporeans pay 2.5% to 3.5% in foreign currency (FX) fees every time they swipe their DBS, OCBC, or UOB card overseas. That doesn’t sound like much — until you do the maths.
If you spend SGD 10,000 overseas per year (think two overseas trips, hotel bookings, and Airbnb), your bank quietly takes SGD 250 to SGD 350 in fees. Over five years, that’s up to SGD 1,750 — gone.
Multi-currency travel cards like YouTrip and Revolut charge zero FX fees. They use the real, mid-market exchange rate — the same rate you see on Google. No markup, no hidden fees. For most Singapore travellers, switching cards is one of the easiest ways to save hundreds of dollars a year.
Best Travel Cards Singapore: Side-by-Side Comparison
Here’s how the top travel cards stack up for Singapore residents. We’ve focused on cards you can actually get here — not US or UK-only products.
| Feature | YouTrip | Revolut (Free) | Wise | Trust Bank |
|---|---|---|---|---|
| Annual Fee | None | None (Standard) | None | None |
| FX Fee | 0% | 0% (weekdays) | ~0.35% avg | 0% (Visa rate) |
| Currencies | 150+ | 150+ | 40+ | SGD only |
| ATM Withdrawals | Free up to SGD 400/mth | Free up to SGD 350/mth | Free up to SGD 350/mth | N/A |
| Cashback | No | No (Standard) | No | Up to 1.5% |
| Referral Bonus | SGD 10 free credit | Varies | Fee-free transfer | SGD 35–60 bonus |
| Best For | Everyday travellers | Frequent travellers | International transfers | Cashback seekers |
Source: Card issuer websites, June 2026. Weekend FX surcharge may apply for Revolut Standard on certain currencies.
YouTrip Review: Best for Zero FX Fees
YouTrip is Singapore’s homegrown multi-currency wallet and prepaid Mastercard. It’s the most popular travel card in Singapore — and for good reason. You load SGD into the app, and when you pay overseas, it converts at the real Mastercard exchange rate with zero FX fees.
There’s no annual fee, no monthly fee, and no minimum balance. You can hold and exchange money in over 150 currencies directly in the app before your trip — a useful feature if you want to lock in a good rate before travelling to Japan or Europe.
YouTrip is particularly strong for travel to Japan, South Korea, Europe, and the US — countries where the SGD/local currency rate on YouTrip beats your bank card by 2.5%+. It’s also useful in China, where you can use YouTrip via Alipay’s international version for cashless payments.
YouTrip key details:
- FX fee: 0% on all currencies
- ATM withdrawals: Free up to SGD 400/month; SGD 5 per withdrawal after
- Card type: Mastercard prepaid (no credit facility)
- Top-up: Via PayNow or local bank transfer
- Referral code: Use code via our YouTrip referral page for SGD 10 free credit
Where YouTrip falls short: It has no cashback, no rewards points, and no credit facility. It’s a prepaid card — you must load money before spending. If you want to earn miles or cashback on overseas spending, you’ll need a separate credit card to stack with YouTrip for rewards.
Revolut Singapore Review: Best for Frequent Travellers
Revolut launched in Singapore in 2020 and has grown rapidly among frequent travellers and expats. The free Standard plan gives you zero FX fees on weekday transactions up to SGD 5,000/month — enough for most travellers. On weekends, a 1% markup applies on some currencies.
Where Revolut really shines is its feature set. The app lets you split bills, budget by category, set spending limits, send money internationally, and even hold a small cryptocurrency position. It’s the Swiss Army knife of travel cards.
Revolut Standard (free) key details:
- FX fee: 0% on weekdays up to SGD 5,000/month; 1% markup on weekends for some currencies
- ATM withdrawals: Free up to SGD 350/month; 2% after
- Card type: Visa/Mastercard prepaid
- Paid plans: Revolut Plus (SGD 9.99/month) and Premium (SGD 19.99/month) remove the weekend surcharge and raise limits
The main catch with Revolut is that you need to be disciplined about weekday vs weekend usage — and the free plan’s international transfer limits are lower than Wise. That said, for travellers who spend less than SGD 5,000/month overseas, the free plan covers everything you need. You can check out our moomoo Singapore review if you’re also looking for a low-cost investment platform to pair with your travel setup.
Wise Card Review: Best for International Transfers
Wise (formerly TransferWise) is best known for cheap international money transfers — but it also offers a debit card that works well for overseas spending. The Wise card uses the mid-market rate with a small transparent fee (around 0.35% on average, depending on currency), making it slightly pricier than YouTrip for pure spending but unbeatable for transfers.
If you regularly send money to Malaysia, Indonesia, the UK, or Australia — for family, rental payments, or freelance work — Wise is the best option by far. Transfers are typically 5–10x cheaper than bank wire transfers and arrive faster.
Wise key details:
- FX fee: ~0.35% average (varies by currency pair)
- ATM withdrawals: Free up to SGD 350/month; 1.75% after
- Currencies: 40+ currencies with local account details
- Card issuance fee: One-time SGD 9 card fee
- Best use: International transfers + moderate overseas spending
Google Pay, Trust Bank & GXS: Cashback Alternatives
If you want cashback on overseas spending rather than pure FX savings, a few Singapore digital bank cards are worth considering alongside your zero-fee travel card.
Trust Bank (backed by Standard Chartered and FairPrice Group) offers up to 1.5% cashback on all spend including overseas. There’s no FX fee markup — it uses the Visa exchange rate. Use referral code HTWYQP95 for up to SGD 60 in bonus rewards. The Trust card is a credit card (subject to credit approval), which means you also earn credit history alongside your cashback. Learn more via our YouTrip referral page for comparison.
GXS Bank (backed by Grab and Singtel) offers a debit card with competitive savings rates. Use referral code YONG477 to sign up. GXS is more focused on savings than travel spending, but worth knowing about as Singapore’s digital banking scene grows.
Google Pay doesn’t issue its own card — it’s a payment method that uses your linked card’s rates. If you link your YouTrip or Revolut card to Google Pay, you get the same zero-FX-fee benefit. Use referral code d10dl1s when setting up Google Pay in Singapore for occasional bonuses.
| Card | FX Fee | Cashback | Referral Code |
|---|---|---|---|
| YouTrip | 0% | None | SGD 10 via TKN link |
| Revolut | 0% (weekdays) | None (Standard) | Varies |
| Trust Bank | 0% (Visa rate) | Up to 1.5% | HTWYQP95 |
| GXS Bank | Standard rates | Savings focus | YONG477 |
| Wise | ~0.35% | None | Fee-free transfer |
Source: Card issuer websites, June 2026. Cashback rates and referral bonuses subject to terms and change.
How to Choose the Right Travel Card for You
Here’s a simple decision tree. Pick the profile that fits you best:
Choose YouTrip if: You want the simplest zero-fee card with no annual fee and don’t need cashback. Perfect for occasional to regular travellers who want to stop losing money on FX fees immediately.
Choose Revolut if: You travel frequently (more than 4–5 trips a year), want budgeting tools, and like having everything — currency exchange, transfers, and spending — in one app. The free Standard plan is excellent value.
Choose Wise if: You regularly send money internationally — to family overseas, for overseas property payments, or as a freelancer receiving foreign currency payments. The Wise card is a useful travel tool on the side.
Choose Trust Bank if: You want cashback on overseas spending and are comfortable with a credit card. Pair it with YouTrip for the best of both worlds: use Trust for cashback on larger purchases, YouTrip for markets where Visa isn’t accepted.
The power move: Many savvy Singapore travellers use two cards — YouTrip (or Revolut) for zero FX fees on spending, and a cashback credit card like Trust Bank for occasional purchases where you want to earn rewards. This gives you maximum savings with no annual fee drag. For building long-term wealth alongside your travel savings, check out our Singapore retirement calculator and explore passive income strategies in Singapore to put those savings to work.
Disclaimer: This article is for educational purposes only and does not constitute financial advice. Always read the full terms and conditions of any card before applying. The Kopi Notes may earn referral fees from sign-ups via our referral links.
Frequently Asked Questions
What is the best travel card in Singapore for zero FX fees?
YouTrip is the best travel card in Singapore for zero FX fees. It charges 0% on all foreign currency transactions and uses the real Mastercard exchange rate — no markup, no monthly fee, no annual fee. For 150+ currencies, it’s hard to beat. Revolut Standard is a close second, offering zero FX fees on weekday transactions up to SGD 5,000/month.
Is YouTrip better than a credit card for overseas spending?
For pure FX savings, yes — YouTrip is significantly better than most bank credit cards. Traditional cards charge 2.5–3.5% in FX fees; YouTrip charges 0%. However, YouTrip is a prepaid card with no cashback or miles rewards. If you want both zero FX fees and rewards, consider pairing YouTrip with a cashback credit card like Trust Bank (referral code HTWYQP95) for the best of both worlds.
Can I use YouTrip in China?
Yes, you can use YouTrip in China in several ways. YouTrip works at Alipay’s international version (Alipay+ for international visitors), which is accepted at millions of merchants across China. You can also pay at physical merchants that accept Mastercard. However, Alipay and WeChat Pay’s domestic versions (linked to Chinese bank accounts) are different — YouTrip connects via the international visitor Alipay interface instead.
Does Revolut charge fees on weekends in Singapore?
Yes, Revolut Standard applies a 1% weekend FX surcharge on some currency pairs (typically Saturdays and Sundays, based on Revolut’s internal definition). This surcharge covers Revolut’s hedging costs when markets are closed. If you travel primarily on weekends, consider switching to YouTrip for those days or upgrading to Revolut Plus/Premium, which removes the weekend surcharge.
What is the YouTrip referral code for Singapore?
You can get SGD 10 free credit when you sign up for YouTrip through The Kopi Notes’ referral link. Visit our YouTrip referral code page for the latest bonus and sign-up instructions. The SGD 10 is credited once you make your first eligible transaction after topping up your account.
Which travel card is best for withdrawing cash overseas?
YouTrip is the best for overseas ATM withdrawals in Singapore — it offers free withdrawals up to SGD 400 per month, which is slightly higher than Revolut (SGD 350/month) and Wise (SGD 350/month). All three charge a small fee after exceeding the monthly free limit. Avoid using traditional bank debit or credit cards for cash withdrawals overseas, as you’ll typically pay a 3–5% cash advance fee on top of FX fees.
Stop Paying FX Fees — Get Your Travel Card Today
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