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The 5 Best Travel Money Cards for Singapore in 2023

Singapore is a vibrant place to visit with amazing nightlife, delicious food and a gateway to the rest of the world, it has a lot to offer visiting Australians.

In Singapore you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card.

We have looked at a number of best travel card for overseas in 2023 and have summarised their best points.

Singapore

Best 5 Travel Money Cards for Singapore in 2023:

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Revolut - Best Exchange Rates

  • 30+ currencies available
  • One of the best exchange rates globally
  • No international transaction fees
  • No annual or monthly fees for standard membership
  • No initial card fee
  • Instant access to a range of cryptocurrencies
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Revolut Travel Card

  • No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
  • Exchanging currency on the weekend can incur a 1% mark-up fee
  • Fees on international money transfers were introduced in April 2021.
  • Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best Features

  • Unlimited free ATM withdrawals
  • 24/7 Emergency Assistance
  • Initial and replacement card are free
  • No international transaction fees
  • Lock in up to 10 currencies
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Travelex Money Card

  • Minimum load of $100 and maximum load of $100,000
  • Can be used wherever Mastercard is accepted
  • Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
  • While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
  • Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
  • If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
  • Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Money Card is a good all-rounder no matter if you are heading to the bustling streets of Hong Kong or visiting the serene Lantau Island.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as Wise or Revolut for travelling, the support network if the card is lost or stolen is very good. This service can be extremely useful when journeying across the cosmopolitan city of Hong Kong.

HSBC Everyday Global Travel Card - Best Travel Card by Bank

Best Features

  • Great exchange rate offered for Singapore dollars (SGD)
  • No ATM fees at HSBC tellers
  • No international transaction fees
  • No initial card, closure, account keeping or monthly fees
  • No cross currency conversion fees
HSBC Global Everyday card is one of the top 5 travel money cards to take to the Singapore
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HSBC Everyday Global Travel Card

  • 10 Currencies can be loaded are SGD, AUD, USD, EUR, GBP, CAD, JPY, NZD, HKD and CNY (currency restrictions on CNY)
  • No maximum balance for any currency
  • Very competitive exchange rates on all currencies when you have currencies already loaded on your card
  • ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
  • Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
  • Daily maximum ATM withdrawal is $2,000
  • Fraud protection covered by Visa Zero Liability
  • Can be used wherever Visa is accepted

The HSBC Everyday Global Travel Card offers a great exchange rate for Singapore dollars, ATMs, so you can withdraw cash without the hefty overseas ATM fees.

In addition it does not charge an ‘international transaction fee’ so you can spend in Singapore and online in Australia and not pay an additional 3%.

Finally, on top of the excellent currency exchange rate, there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

Best Features

  • Lowest interest rate at 9.90%
  • No international transaction fees on purchases
  • Up to 55 days interest free on purchases
  • Low annual fee
  • Complimentary international travel insurance
Bankwest Breeze Platinum Credit Card is one of the 5 travel money cards for Singapore in 2022
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Bankwest Breeze Platinum Credit Card

  • Free annual fee first year, then $69 annual fee
  • Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
  • $6,000 minimum credit card
  • 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
  • 21.99% interest rate on purchases and cash advances
  • Cash advance fee of the higher of $4 or 2% of cash advance
  • Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout Singapore.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in Singapore.

ING One Low Rate Credit Card - No Annual Fee

Best Features

  • No annual fee
  • No international transaction fees on purchases
  • Up to 45 days interest free on purchases
  • Lowest cash advance interest rate of 11.99%
  • Use instalment plans to pay off your purchases over time at a lower interest rate
ING One Low Rate Credit card is one of the five top travel money cards for Singapore in 2022
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ING One Low Rate Credit Card

  • 11.99% interest rate on purchases
  • $6,000 minimum credit card
  • Make payments from your mobile with pay with Apple Pay and Google Pay
  • International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
  • Put repayments on auto payment each month to pay the minimum balance or full amount
  • Can be used wherever Visa is accepted

The ING One Low Rate credit card is a great option to take to Singapore as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through Singapore.

Learn more about the best credit, debit and prepaid cards for travel

FAQs

Which is the best travel card for Singapore?

The best travel card for Singapore is the Wise Multi Currency card for tap or swipe large transactions like accommodation and restaurants. Wise offers the best exchange rate for Singapore dollars globally and charges no international transaction fees.

HSBC Global and Citibank Plus cards are the best for ATM withdrawals and great exchange rates for Singapore dollars. Both these cards charge no international transaction fee and can be used within Australia without penalties.

The best credit cards for Singapore are the BankWest Platinum Breeze and ING One Low Rate as they have the lowest interest rates on the market with and charge no international transaction fees.

Should I bring cash to Singapore?

Yes, you should bring cash to Singapore and buy Singapore dollars before you travel to Singapore. It is one of the best ways to take money to Singapore. Having Singapore dollars on hand when you arrive at the airport will make your life a lot easier. The airport is also the most expensive place to exchange currency, so you will save a lot of money as well. Even though Singapore is card friendly, having cash on hand will always be handy for small purchases, tipping and paying for transport.

Which bank has the best travel money card for Singapore?

HSBC and Citibank have the best travel money cards for Singapore. Both have lots of ATMs within Singapore, both offer fantastic exchange rates for the Singapore dollar and both offer ‘no international transaction fees’.

Is a travel money card better than cash?

A travel money card is more secure than cash because you need your pin to authorise transactions, if you lose cash you are unlikely to have it returned. If your travel money card is stolen, then you can report it lost or stolen online quickly. It is also less bulky to carry 2 or 3 cards than lots of cash.

Which prepaid card is best for Singapore?

The best prepaid cards for Singapore are Wise, HSBC and Citibank which offer the most competitive cards in the market. Other older style prepaid cards like Australia Post, Cash Passport, Travel Money Oz and Travelex have lots of charges like load, unload, inactivity, ATM withdrawals and initial card fees.

How do I put money on my travel money card?

You can place money on your travel money card online and paying by direct debit from your bank account will cost you the least. Log in to your bank account, transfer your funds into the travel money card and the money should be there within 24 hours.

How much money do I need per day in Singapore?

As a general rule, working out how much money to take to Singapore depends on where you go and your type of travel. If you travel on a budget to Singapore it can cost from $70 a day. If you travel in the middle range throughout Singapore it can cost from $150 per day. Finally if you travel with luxury throughout Singapore it can cost anywhere from $300 per day.

Can I use dollars in Singapore?

You can only use Singapore dollars in Singapore, you can not use Australian dollars or US dollars. The currency in Singapore is the Singapore dollar. There are 4 commonly used bank notes with different colours, they are $2, $5, $10, $50, $500 and $1,000. There are 5 coins, they are 5c, 10c, 20c, 50c and $1.

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