Best Credit Cards for Travel Benefits 2019

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What good is a credit card if not for the reward points, cashback, or air miles it offers?

But can you put a price tag on everything a card has to offer? Especially when you’re travelling. Because when you travel your headache doesn’t end with just redeeming your air miles for flight tickets. Don’t you want to feel like the “king of the world” or a queen while holidaying?

So, how do all of us who have turned into creatures of comfort who are always spoiled for choice, breeze through our vacation?

By using one of these credit cards with great travel benefits, of course!

No matter what your annual income is, here is BankBazaar’s pick for the top credit cards for travel benefits

Credit cards with annual income requirement from S$30,000 – S$50,000:

Travel benefits at a glance:

Travel Benefits BOC Elite Miles World Mastercard UOB PRVI Miles Visa Card Citi PremierMiles Visa Card American Express Singapore Airlines KrisFlyer Ascend Card DBS Altitude Visa Signature Card
Annual income requirement Singapore citizens/PRs: S$30,000

Foreigners: S$60,000

Singapore citizens/PRs: S$30,000

Foreigners: S$40,000 or collateral of S$10,000

Singapore citizens/PRs: S$30,000

Foreigners: S$42,000

Singapore citizens/PRs: S$50,000

Foreigners: S$60,000

Singapore citizens/PRs: S$30,000

Foreigners: S$45,000

Complimentary airport lounge access 4 times a year Not available 2 times a year 4 times a year 2 times a year
Complimentary travel insurance Not available Up to S$1 million for cardholder and spouse only Up to S$1 million for cardholder and family Up to S$1 million for cardholder and family Up to S$1 million for cardholder and family
Concierge Service Not available Available Not available Not available Available

BOC Elite Miles World Mastercard

BOC Elite Miles World Mastercard

Travel benefits you will like about the BOC Elite Miles World Mastercard

  • Complimentary access to Plaza Premium airport lounges across the globe.
  • Access to over 1,000 airport lounges with Mastercard Airport Experiences.
  • Mastercard World Platform – Exclusive deals on travel, retail, lifestyle, dining, and entertainment.

What you might have missed about these travel benefits:

  • Airport lounge access is limited to 4 free visits each year.
    • This access is only valid until 30 June 2019.
    • Access to the lounge is granted only if you register and log in to the Arrture App.
  • Mastercard Airport Experiences – Access to airport lounges is via the LoungeKey programme and for a fee of USD27 per visit.

Read our review here.

UOB PRVI Miles Visa Card

UOB PRVI Miles

Travel benefits you will like about the UOB PRVI Miles Visa Card:

  • Personal accident insurance and travel inconvenience insurance up to S$1 million.
  • UOB PRVI Travel Butler Service for enhanced travel assistance such as making flight/hotel/car bookings, etc.

What you might have missed about these travel benefits:

  • Personal accident insurance is applicable to the cardholder and their spouse. Travel inconvenience insurance is applicable only to the cardholder. Children are not covered by the credit card travel insurance.
  • UOB PRVI Travel Butler Service is only operational for specific hours on weekdays (Monday to Friday between 8:30 a.m. and 7:00 p.m. and Saturdays between 8:30 a.m. and 2:00 p.m.). This service is closed on all Sundays and public holidays.

Read our review here.

Citi PremierMiles Visa Card

Citi PremierMiles

Travel benefits you will like about the Citi PremierMiles Visa Card:

  • Personalised Priority Pass Membership – This card allows you admission to airport lounges across the world that offer VIP privileges including phone, fax, internet, and conference room access.
  • Travel insurance:
    • Travel accident insurance up to S$1 million for cardmember and spouse and up to S$50,000 for children.
    • Medical assistance (covers the cost of any injuries or illnesses while on a trip) covers up to S$40,000 for cardmember and spouse and up to S$20,000 for children.
    • Travel inconvenience cover for baggage loss/delays, flight delays, trip cancellation, etc. for cardmember.
  • Citi World Privileges – Deals on dining, travel, and shopping worldwide.
  • Visa Luxury Hotel Collection privileges for best deals on hotel bookings across the world.
  • Visa Signature Privileges – Enjoy special rates and additional benefits at select golf courses in Asia. Also, enjoy savings on car rentals and shopping.

What you might have missed about these travel benefits:

  • Complimentary VIP access to worldwide airports is applicable twice per year. While claiming complimentary access, if you bring a guest, they will also be considered as one visit to the VIP lounge. After two visits, each access to VIP airport lounges will be charged USD27 per person.
  • While claiming complimentary travel insurance, only the cardmember’s legal spouse will be covered under this policy. However, the insured member’s unmarried dependent children can be covered under this policy if the following conditions are satisfied:
    • If the child/children are below 18 years of age, OR
    • The child/children are below 25 years of age and are studying full-time or are enrolled in/awaiting enrolment in a reputed tertiary institution.
    • In either of the aforementioned cases, the dependent children must be residing with the cardmember.

Looking to get this card? Read our review here.

American Express Singapore Airlines KrisFlyer Ascend Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Travel benefits you will like about the American Express Singapore Airlines KrisFlyer Ascend Card:

  • Complimentary airport lounge access to select SATS Premier Lounges in Singapore and Plaza Premium Lounges worldwide.
  • When you apply for this credit card, you can get My VoyageGuard Travel Insurance (Essential plan), i.e. the worldwide annual multi-trip plan, for S$188, which otherwise costs S$299. (A discount of S$111).
  • Enjoy discounted portable Wi-Fi rental router rates from Changi Recommends when travelling overseas. Rates are as low as S$4.65 per day.
  • Hertz privileges include the Hertz Gold Plus Rewards loyalty programme under which you will enjoy discounted rates on car rentals, complimentary upgrades, and fee waivers.
  • Complimentary one-night stay at participating Hilton Properties in the Asia Pacific every year. You also get a tier upgrade to Hilton Honors Silver membership on the house.

What you might have missed about these travel benefits:

  • Complimentary airport lounges are limited to 4 visits every year.
  • My VoyageGuard Travel Insurance is not applicable for travel to Cuba. Also, the insurance is based on reimbursement, i.e. it is not cashless.

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

Travel benefits you will like about the DBS Altitude Visa Signature Card:

  • Complimentary airport lounge access globally with Priority Pass membership.
  • DBS Altitude Butler Service for assistance with travel arrangements, dining reservations, and more across the world.
  • Complimentary travel insurance up to S$1 million for yourself and your spouse and up to up to S$250,000 for your dependent children.

What you might have missed about these travel benefits:

  • Complimentary airport lounge access is limited to two visits per year.
  • Complimentary travel insurance is applicable for 30 consecutive days. The insurance is void at 12:01 a.m. of the thirty-first day.

Read our review here.

Credit cards with annual income requirement from S$120,000:

Travel benefits at a glance:

Travel benefits OCBC VOYAGE Card UOB Visa Infinite Metal Card Citi Prestige Card CIMB Visa Infinite Card Standard Chartered Visa Infinite Card HSBC Visa Infinite Credit Card
Annual income requirement S$120,000 S$150,000 S$120,000 Singaporeans/PRs: S$120,000 or FD with a min collateral of S$50,000 Priority banking customers: S$30,000 for Singapore citizens and PRs; S$60,000 for foreigners

Other customers: S$150,000

S$120,000 or FD of at least. S$30,000 as collateral
Complimentary airport lounge access Unlimited visits for cardholder and 1 guest Up to 4 visits per year for principal cardholder Unlimited visits for principal cardholder and 1 guest Up to 3 visits per year for principal cardholder only Up to 6 visits per year for principal cardholder only Unlimited visits for principal and supplementary cardholders
Complimentary travel insurance Up to S$1.5 million valid for cardholders only Up to USD1 million for principal cardholder and spouse Up to S$1 million for principal cardholder and family Up to S$1 million for cardholder and family Up to S$1 million Up to USD2 million for cardholder and family
Concierge/Butler Service Available Available Available Available Available Available
Complimentary limousine transfers Up to 24 redemptions per year Not available Up to 8 redemptions per year Not available Not available Up to 24 redemptions per year

OCBC VOYAGE Card

OCBC VOYAGE Card

Travel benefits you will like about the OCBC VOYAGE Card:

  • Personal concierge service with comprehensive assistance with travel, shopping, events planning, travel bookings and miles redemption, hospital admission and doctor appointments bookings, emergency medical services, etc.
  • Unlimited complimentary access to more than 80 VIP airport lounges across the world for yourself and one accompanying guest. Also, enjoy a seated massage for 15 minutes at select airport lounges and spa outlets.
  • Complimentary travel insurance up to S$1.5 million. This includes travel accident insurance, medical expense reimbursement, and travel inconvenience cover.
  • Complimentary limousine transfers.
  • Enjoy exclusive Visa Infinite benefits including golf privileges, travel, shopping, and dining privileges.
  • Enjoy admin fee waiver of S$25 when you convert VOYAGE Miles to KrisFlyer Miles.

What you might have missed about these travel benefits:

  • Complimentary travel insurance is only applicable to principal and supplementary cardholders. Spouses and children are not covered under this travel insurance policy.
  • Complimentary limousine transfer is applicable on a minimum monthly spend of S$3,000. Up to 2 limousine transfers can be redeemed per month (each redemption requires a minimum spend of S$3,000 on your card). Rides are valid for 3 months.

Want this card? Know everything about it here.

UOB Visa Infinite Metal Card

UOB Visa Infinite Card

Travel benefits you will like about the UOB Visa Infinite Metal Card:

  • Complimentary airport lounge access to 1,000 airport lounges across the globe.
  • Get a free lounge pass if your registered flight is delayed 2 hours or more.
  • Up to 20% off at selected restaurants at airports.
  • Enjoy complimentary travel insurance up to USD1 million. This is applicable to you and your spouse.
  • Get purchase protection up to S$10,000.
  • Enjoy unlimited Singtel ReadyRoam plans in 56 countries.
  • Access to Visa’s Luxury Hotel Collection.
  • Enjoy discounts on car rental services.
  • Get access to UOB and Visa’s concierge services.
  • Access to member-only clubs in Singapore.
  • Also, enjoy exclusive dining deals courtesy of UOB.

What you might have missed about these travel benefits:

  • Complimentary access to airport lounges is limited to 4 visits each year.
  • You will need to charge the Singtel ReadyRoam plan of your choice to your card. The amount will be given to you in the form of a cash rebate.
  • Purchase protection is up to a maximum of S$2,000 per item up to S$10,000.

Looking to go beyond just miles? Read our review of this card here.

Citi Prestige Card

Citi Prestige Card

Travel benefits you will like about the Citi Prestige Card

  • Complimentary 4th night stay at a hotel or resort of your choice
  • Free airport lounge access to more than 100 airport lounges across the globe for you and one accompanying guest.
  • Complimentary travel insurance up to S$1 million for you and your spouse and S$50,000 for your child. This includes medical benefits up to S$50,000 each for your spouse and you and S$25,000 for your child.
  • You get up to 8 complimentary airport transfers each year, capped at 4 per calendar quarter.
  • A 24/7 concierge service to take care of all and any needs you may have.
  • Enjoy VIP access to concerts, sporting events, and cultural programmes.

What you might have missed about these travel benefits:

  • Complimentary 4th-night stay is applicable with bookings of every 4 consecutive nights, after which you will receive a rebate for the average cost of 1 night
  • Complimentary airport lounge access is only for 1 guest accompanying the cardholder. Each additional guest will be charged.
  • The cardholder and spouse must be below 75 years for the complimentary travel insurance to be applicable. Dependent children cannot be older than 25 years.
  • To be eligible for complimentary airport transfers, the principal cardholder needs to spend at least S$1,500 in foreign currencies per calendar quarter.

Should you get this card for luxury travel perks? Here’s what we think

CIMB Visa Infinite Card

CIMB Visa Infinite

Travel benefits you will like about the CIMB Visa Infinite Card:

  • Complimentary airport lounge access to more than 1,000 lounges worldwide.
  • Discounts up to 50% on dining at outlets at selected airports.
  • Visa Infinite Concierge Service to cater to any and all requests.
  • Exclusive CIMB dining, retail, travel, and entertainment benefits across 1,000 retailers in Malaysia and Indonesia.
  • 10% discount on airport limousine transfers.
  • Discount of 10% on Meet & Greet services at over 100 airports across the globe.
  • Complimentary travel insurance up to S$1 million for yourself and your family.

What you might have missed about these travel benefits:

  • Complimentary airport lounge access is applicable to principal cardholders and for up to 3 visits per year.
  • Complimentary travel insurance is applicable for adults between the ages of 21 and 75 years. Children covered under this insurance must be dependent to qualify.

Standard Chartered Visa Infinite Card

Standard Chartered Visa Infinite Card

Travel benefits you will like about the Standard Chartered Visa Infinite Card:

  • Enjoy airport lounge access to more than 1,200 lounges with the Priority Pass lounge programme, 6 times every year.
  • You will have access to the Visa Infinite Concierge as well as the Emergency Service 24/7.
  • Complimentary travel insurance up to S$1 million.
  • You will also get to enjoy a host of dining, travel, entertainment, and lifestyle benefits courtesy of Standard Chartered and Visa.

What you might have missed about these travel benefits:

  • Priority Pass lounge programme is only applicable to principal credit cardholders. Each guest accompanying the cardholder will be counted as one visit. You need to pay US$27 per visit from the 7th visit onwards.

Is this credit card the best miles card for high earners? Find out here.

HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card

Travel benefits you will like about the HSBC Visa Infinite Credit Card:

  • Unlimited airport lounge access to more than 1,000 VIP airport lounges for principal and supplementary cardholders with the Priority Pass Membership.
  • Limousine transfers and expedited immigration clearance – New cardholders will receive 2 complimentary redemptions of limousine transfers and expedited immigration (Premier customers will receive 4 complimentary redemptions). After the complimentary redemption, every S$2,000 spent on the card will offer you with 1 complimentary redemption of each of these services.
  • Complimentary travel insurance up to USD2 million for cardholders, up to USD1 million for a family member (must be an accompanying adult) and USD30,000 for a child.
  • Infinite Travel and Lifestyle Concierge service available for principal and supplementary credit cardholders to cater to all requests and travel assistance.
  • Enjoy discounts when you dine at selected restaurants at Singapore Marriott Tang Plaza Hotel.
  • Indulge your taste buds with 15% off your bill at over 50 of Europe’s best restaurants.

What you might have missed about these travel benefits:

  • Accompanying guests need to pay S$38 per lounge visit.
  • Complimentary limousine transfers and expedited immigration clearance services can be claimed up to 24 times per year (that’s twice a month). Expedited immigration is only available within select airports in Asia.

Is the HSBC Visa Infinite Card the best card for travel benefits? Get the full scoop here.

All those who say the journey to a destination is better than the destination itself must have a travel credit card. Get yours now!

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