Several credit cards offer complimentary travel insurance. That is, on the condition that you charge your full flight fares to them. Which of them have the best travel insurance coverage and complement your everyday lifestyle? We analyse it in further detail below.
Credit Cards Offering Free Travel Insurance (2024)
Here are the top credit cards that offer complimentary travel insurance.
Check out the coverage & the card benefits before you apply
- Up to $1,000,000Citi PremierMiles Visa
- Up to $1,000,000DBS Altitude
- Up to $500,000 UOB PRVI Miles
- Up to $350,000 AMEX KrisFlyer
- Up to $200,000 OCBC 365
- Up to $500,000 CIMB Visa Signature
Citi PremierMiles Card Travel Insurance
MoneySmart Exclusive
FASTER REWARDS REDEMPTION | SONY PS5 FLASH DEAL
MoneySmart Exclusive
FASTER REWARDS REDEMPTION | SONY PS5 FLASH DEAL
- Local Spend
- S$1 = 1.2 Miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2 Miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 Miles
[FLASH DEAL: WIN A SONY PS5]
Stand a chance to win aSony PlayStation®5 SLIM Digital Edition (CFI-2018B01)(worth S$669) on top of your baseline gifts when you are one of 3 successful claims at 2pm & 9pm daily!
Unlock Exclusive Rewards
The rest can still earn5,100 SmartPoints or S$300 cashwhen you apply and meet the minimum spend within 30 days from card approval date.T&Cs apply.
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeemANYgift at ourRewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!
Valid until 26 Feb 2024
AMEX Credit Card Travel Insurance
Online Promo
Convenience & Perks for Frequent Flyers
Online Promo
Convenience & Perks for Frequent Flyers
- Local Spend
- S$1 = 1.1 Miles
- Overseas Spend during June and December, with no cap
- S$1 = 2 Miles
- on Eligible Grab transactions, capped at $200 per calendar month
- S$1 = 3.1 Miles
Online Promo:
New American Express cardholder can get S$100 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you spend a min. of S$500 within the first month of card approval. T&Cs apply.
Valid until 28 Feb 2024
Online Promo
Convenience & Perks for Frequent Flyers
Online Promo
Convenience & Perks for Frequent Flyers
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- on Eligible Grab transaction, capped at $200 per month
- S$1 = 3.2 Miles
Online Promo:
New American Express cardholder can get S$300 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval.
Existing cardholders can get S$150 eCapitaVouchers AND up to 17,000 KrisFlyer Miles (enough to redeem a Return Trip to Bali*) when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval. T&Cs apply.
Valid until 28 Feb 2024
CIMB Visa Signature Travel Insurance
MoneySmart Exclusive
Up to 10% Cashback
MoneySmart Exclusive
Up to 10% Cashback
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- 10%
- Min. spend per month
- S$800
- Cash Back Cap per month
- S$100
Get aHinomi Q1 Ergonomic Chair(worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or aSony WF-1000XM5 Wireless Noise Cancelling Headphones(worth S$429) orS$280 Cash via PayNowwhen you apply and spend a min of S$988.T&Csapply.
Valid until 29 Feb 2024
MoneySmart Exclusive
Unlimited 2% Cashback
MoneySmart Exclusive
Unlimited 2% Cashback
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cash Rebate cap
- Unlimited
Get aHinomi Q1 Ergonomic Chair(worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or aSony WF-1000XM5 Wireless Noise Cancelling Headphones(worth S$429) orS$280 Cash via PayNowwhen you apply and spend a min of S$988.T&Csapply.
Valid until 29 Feb 2024
DBS Altitude Travel Insurance
Online Promo
Earn Miles That Never Expire
Online Promo
Earn Miles That Never Expire
- Local Spend
- S$1 = 1.3 Miles
- Overseas Spend (made in foreign currency)
- S$1 = 2.2 Miles
- On Travel Spend at Expedia & Kaligo
- S$1 = Up to 10 Miles
Online Promo:
Get up to 53,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$3,000 within 60 days from card approval date. T&Cs apply.
Valid until 19 May 2024
Online Promo
Miles or Cashback – you decide
Online Promo
Miles or Cashback – you decide
- Local Spend
- S$1 = 1.5 miles or 1.5% cashback
- Overseas Spend
- S$1 = 2.2 miles or 2.2% cashback
- when you pay the Card's Annual Fee
- 25,000 Bonus Miles
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 May 2024
UOB PRVI Miles Travel Insurance
Online Promo
High Miles Earn Rate
Online Promo
High Miles Earn Rate
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.
Valid until 29 Feb 2024
Online Promo
High Miles Earn Rate
Online Promo
High Miles Earn Rate
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.
Valid until 29 Feb 2024
Online Promo
High Miles Earn Rate
Online Promo
High Miles Earn Rate
- Local Spend
- S$1 = 1.4 Miles
- Overseas Spend
- S$1 = 2.4 Miles
- Selected Online Hotel and Flight bookings
- S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles from UOB when you successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.
Valid until 29 Feb 2024
DCS CASHBACK Card Travel Insurance
- on all eligible transactions
- Up to 5% Cash Rebate
- Airport Lounge Access and Insurance Coverage
- Complimentary
- Annual Principal Fee
- S$196.20 (inclusive of GST)
OCBC 365 Travel Insurance
High Spend on Dining
High Spend on Dining
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
- with min. spend of $800 per month
- $80 Cashback per month
Frequent Asked Questions
Do you get travel insurance with your credit card?
- Many credit cards provide some level of travel insurance coverage if you charge your full fares to them. Usually the best cards that provide travel insurance are air mile cards, such as Citi PremierMiles Visa, DBS Altitude, UOB PRVI Miles and AMEX KrisFlyer. There are two cashback cards in Singapore that provide travel insurance too: OCBC 365 and CIMB Visa Signature Credit Card.
Does travel insurance cover me if I cancel my flight?
- It depends on your policy. Look under the section "trip cancellation" to see if your travel insurance compensates when you cancel your flight. You will need to show proof of a valid cancellation reason: sickness, injury, death of either you, your family member, or travelling companion.
Does my credit card's complimentary travel insurance cover discounted flights?
- Usually yes, on the condition that you charge your full fares to the card.
Related Links
Best Credit Cards for Grab Rides in Singapore
Best Credit Cards with 1-for-1 Buffet Promotions in Singapore
Best Credit Cards for Overseas Spending
