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Best Credit Card for overseas travel?

Ultramega

By Ultramega,
in Travel & Road Trips

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Ultramega

Ultramega

1st Gear
(edited)

Need some advice from forumers of MCF who travel frequently, what is the best credit card to use overseas? ... particularly for USA, Hong Kong, Bangkok, Bali and Malaysia.

 

I mean in terms of credit card rewards, bank rates, discounts and such.

 

Thanks!

Edited by Ultramega
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Shrek

Shrek

Neutral Newbie

it's all abt the same.. but from experience, try not to use card with microchip inside. some place dont accept such card.

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Lgt1977

Lgt1977

Neutral Newbie

u going to be a frequent flyer? If you are and you are going to be with SQ all the time maybe a kris flyer type of credit card is good for you.

 

1. America Express Krisflyer

https://www212.americanexpress.com/dsmlive/...000cef4ad94RCRD

2. Citi Bank - PRemierMiles

http://www.citibank.com.sg/SGGCB/APPS/port...et/cc_xx_pm.htm

3. UOB - Visa signature Card

http://www.uob.com.sg/pages/personal/cards...naturecard.html

 

If not you might want to take a look at the following

1. Citi Bank - Dividend Card

2. ABM AMO - Not sure but i was told that if you withdraw cash oversea, they will not charge you any interest.

3. Not many cards have tied up with retailers oversea to give discount and for bank rates, i guess it is more or less similar. Didnt take note of that part.

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Chickenbackside

Chickenbackside

1st Gear

When overseas, no difference.

 

If you wanna accumulate Kris Flyer points as you spend, choose cards that let you convert your spending points to Kris Flyer points like DBS Altitude card or UOB Signature card.

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Solar

Solar

Turbocharged

if u foresee yourself spending, get your credit limit increased first.. or else you'll be spending $$$ being put on hold for overseas call to the sg banks' call center... wait and wait...listening to music and 'your calls are important' yada yada..

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Comfy

Comfy

1st Gear

i got a uob visa which works great.. local discounts are nice too.. just be sure to increase ur credit limit lor... [:p] i only got 1 credit card now.. to control and monitor my spending.. too many cards can be confusing...

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Schneider79

Schneider79

Clutched

Bro, something I copied directly from HWZ. Hope it helps you. Offense to the threadstarter and compiler of the info given in HWZ.

 

UOB

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge: $45 per month

 

Transactions in foreign Currencies: 1.5% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)

Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

 

Cash withdrawal on UOB ATMs in Singapore: Free

Cash withdrawal on ATMs overseas: S$5 per withdrawal

Cash withdrawal on UOB ATMs in Malaysia: S$2 per withdrawal

Cash withdrawal on shared ATM NETS: 2 free transactions per month; S$0.30 per transaction for subsequent transactions

 

 

Minimum Payment Amount

< $50.00 : Current Balance

> $50.00 & < Limit : 3% of current balance or $50.00, whichever is higher.

> $50.00 & > Limit : 3% of credit limit, plus excess over credit limit, plus any overdue charges.

 

Replacement Fee

Replacement Card : $20 per card

 

 

 

DBS/POSB

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge: $45 per month

 

Transactions in foreign Currencies: 1.5% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 2% per month (charged on a daily basis from the date of withdrawal until payment received)

Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

 

Minimum Payment Amount

3% of current balance or $50.00, whichever is higher.

For over limit accounts: Min. amount specified plus over-limit amount.

 

Retrieval Fee

Sales Draft : $5 per copy

 

 

 

 

OCBC

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge: $50 per month

 

Transactions in foreign Currencies: 1.5% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)

Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

 

Minimum Payment Amount

3% of total balance or $50.00, whichever is higher, plus any overdue amount and excess in credit limit

 

 

 

 

Citibank

 

Interest Charge: 2% per month (min. charge of $3)

Interest Charge (CitiClear Card): 2.34% per month (min. charge of $3)

Card Fee: As determined by your card

 

Late Payment Charge: $45 per month

 

Transactions in foreign Currencies: 1.5% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)

Interest Charge (CitiClear Card): 2.34% per month (min. charge of $3)

Cash Advance Fee: 5% of Cash Advance amount (min. charge $10)

 

Minimum Payment Amount

CitiClear Card

Within Credit Limit - 1% of current balance or $25.00, plus interest charge, plus late payment charge, plus any overdue amount, whichever is greater.

 

Exceed Credit Limit - 1% of current balance or $25.00, plus interest charge, plus late payment charge, plus any overdue amount, amount in excess in credit limit, whichever is greater.

 

Other Citibank Credit Cards

Within Credit Limit - 1% of current balance or $50.00, plus interest charge, plus late payment charge, plus any overdue amount, whichever is greater.

 

Exceed Credit Limit - 1% of current balance or $50.00, plus interest charge, plus late payment charge, plus any overdue amount, amount in excess in credit limit, whichever is greater.

 

Service Fee

Dishonoured Check/Payment Order : $25

Overlimit Fee : $40

 

Retrieval Fee

Sales Draft

Current to 2 months old : $5 per copy

more than 2 months to 1 year old : $15 per copy

 

Account Statement

Current to 2 months old : Free

more than 2 months to 1 year old : $15 per copy

more than 1 year to 5 years old : $30 per copy

more than 5 years old : $100 per copy

 

 

 

 

Maybank

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge: 5% of minimum payment due or $35, whichever is higher.

 

Transactions in foreign Currencies: 1% of the transaction amount

 

Lost Card Liability: Limited to $500 before report.

$0 after report.

 

Cash Advance Charges/Fees

Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)

Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

Overseas cash withdrawal fee: Maybank ATMs - $3 per transaction

Non-Maybank ATMs - $5 per transaction

 

Minimum Payment Amount

3% of outstanding balance or S$20, whichever is higher, plus any outstanding amount "Past Due" from previous statements.

 

Accounts that are over limit: 3% for Classic of the credit limit plus the excess over the credit limit.

 

Other Charges

Fund Transfer Administration Fee : S$20 per transfer

Request for Printed Statement : S$2 per copy^^

Request for Separate Supplementary Statement : S$2 per copy^^

Request for Resend of eStatement (up to past 12 months) : Free

Returned Cheque : S$40 per cheque

Returned GIRO : S$40 per item

Request for Duplicate Copy of Sales Draft/Statement : S$5 per copy

Card Replacement : S$30

Card PIN Replacement : Free

Rewards Infinite Membership : S$18 per annum or 4,500 tr'eats Points

 

 

 

Standard Chartered

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge:

New Balance Amount : Late Payment Charge

Up to $1000.00 : $35

$1000.01 to $3000.00 : $45

$3000.01 and above : $60

 

Transactions in foreign Currencies: 1% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 0.067% per day (charged on a daily basis from the date of withdrawal until payment received)

Effective Interest Rate: 24% pa

Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

 

Minimum Payment Amount

Classic/Gold/Platinum Visa/Mastercard- 3% of current balance or $50.00, whichever is higher.

 

Retrieval Fee

Sales Draft : $5 per copy

Statement - Current to 3 months old : Free

Statement - 3 months to 1 year old : $10

Statement - 1 year to 5 years old : $20

Statement - 5 years and above : $50

 

Service Fee

Returned Cheque (insufficient funds) : $50

Rejected Direct Debit Authorisation (insufficient funds) : $50

Post-Dated Cheque Payment : $25

Credit Refund via Cashier's Order : $10

Branch Counter Payment : $5

 

Replacement fee

Replacement Card : $20 per card

Picture replacement for picture credit card : $20 per picture

 

 

 

HSBC

 

Interest Charge: 24% pa (min. charge of $2.50)

Card Fee: As determined by your card

 

Late Payment Charge: $40 per month

 

Transactions in foreign Currencies: 1.5% of the transaction amount

 

Cash Advance Charges/Fees

Interest Charge: 2% per month (charged on a daily basis from the date of withdrawal until payment received)

Cash Advance Fee: 5% of withdrawal amount (min. charge $15)

 

Minimum Payment Amount

Within Credit Limit: 3% of current balance or $50.00, whichever is higher.

Exceed Credit Limit: 3% of credit limit, plus excess over credit limit.

 

Replacement Fee

Replacement Card: Lost/Stolen - $20 per card

Damaged/Faulty - Free

 

Service Fee

Returned Cheque: $25

Rejected Direct Debit Authorisation: $25

 

Retrieval Fee

Sales Draft

Current to 3 months old: $5 per copy

Above 3 months: $10 per copy

 

Account Statement

Current to 2 months old : Free

more than 3 months to 12 months old : $5 per copy

more than 12 months old: $10 per copy

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Ultramega

Ultramega

1st Gear
  • Author

Wah, u very steady... still take effort to provide direct links [thumbsup]

 

Will check them out. especially the ABN Amro one. sounds good. Thanks!

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Ultramega

Ultramega

1st Gear
  • Author
When overseas, no difference.

 

If you wanna accumulate Kris Flyer points as you spend, choose cards that let you convert your spending points to Kris Flyer points like DBS Altitude card or UOB Signature card.

 

Yup...thinking of getting the Amex Krisflyer card.

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