Which Travel Card Costs Least Overseas?

Our Method

How This Comparison Works

We work out the fee for spending S$1,000 on the card in the currency you pick: the provider’s published markup times S$1,000, plus any fixed fee per transaction. We assume a weekday, in-store card spending charged in the local currency (no dynamic currency conversion), a card already funded by a free top-up method and spending within any free monthly limit. Wise’s fee comes from its own card-fee calculator for S$1,000 on 3 Oct 2026, so it differs slightly by currency. A “0%” card still converts at somebody’s exchange rate: Trust uses Visa’s, GXS and MariBank use Mastercard’s, Revolut and amaze use their own, UOB does not name its rate, and YouTrip says its wholesale rate is typically within about 0.1% of mid-market. None of these is the mid-market rate and the gap is not counted, so cards tied at S$0 can still cost slightly different amounts. Bank multi-currency accounts charge no fee when you spend a balance you converted first, but that conversion is at the bank’s own rate, whose spread is not published. We do not estimate it, so these accounts are not ranked; where the bank publishes its fee for spending straight from SGD, we show it separately. Lower cost ranks higher.

Only products we checked in the last 30 days can rank. Expired offers are left out. Paid links never change the order. We compare a selection of products, not every product on the market.

General information, not financial advice. Approximate: this counts published fees only, not the differences between Visa, Mastercard, provider and mid-market exchange rates. Revolut’s Standard plan adds 1% at weekends (Friday 5pm to Sunday 6pm New York time) and above S$5,000 of exchange a month. Wise’s fee comes from its live calculator and moves with exchange rates. ATM withdrawals, credit card top-up fees, merchant surcharges and dynamic currency conversion are not included; choose to pay in the local currency. BigPay is not ranked because its Singapore fees and availability could not be confirmed. Check the provider’s current fees before you travel.

Spot an error? Tell us on the contact form. Are you one of these providers? Send a provider reply or correction. We check the official source before we change anything.