2. Amaze
from S$0.00A card by Instarem that links your existing cards to dodge FX fees while keeping rewards.
Best Multi-currency & Travel Cards for Singaporeans (2026)
A multi-currency or travel card lets Singaporeans spend overseas without the typical 3–3.5% foreign-transaction fee that bank credit cards charge. Most let you hold or convert currencies at near-interbank rates and pay by card or mobile wallet abroad. This matters whether you are shopping in Tokyo, paying for a hotel in Bangkok or buying flights online. Below we compare the cards available to Singapore residents, with all fees shown in SGD.
By Marcus Tan·Verified
Our #1 pick
YouTrip
For most Singaporean travellers YouTrip is the simplest, lowest-friction choice. If you want to keep earning miles or cashback while avoiding FX fees, look at Amaze, which links to your existing rewards card.
3. Revolut
from S$0.00Multi-currency app and card with a free tier and paid plans.
4. Wise
from S$0.00Global multi-currency account and debit card with transparent interbank-rate pricing.
5. DBS Multi-Currency Account
from S$0.00DBS/POSB multi-currency account paired with a debit card for fee-free overseas spend.
6. UOB Mighty FX
from S$0.00UOB multi-currency account with a debit card for fee-free spend in supported currencies.
Frequently asked questions
- Are multi-currency cards cheaper than my bank credit card overseas?
- Usually yes. Singapore bank credit cards typically add a foreign-transaction fee of around 3–3.5%. Multi-currency cards aim to charge little or nothing on supported currencies, though some apply a small markup on weekend trades or unsupported currencies.
- Can I withdraw cash overseas with these cards?
- Most support overseas ATM withdrawals, but free-withdrawal limits and fees vary by provider. Check each card's ATM policy before relying on it for cash.
- Do these cards earn miles or cashback?
- Multi-currency cards are built for low FX cost rather than rewards. Some link to your existing rewards credit card so you still earn miles or cashback while avoiding the FX fee.
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