Best Credit Cards With Complimentary Travel Insurance Coverage (2025)
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.
What You Need To Know About Complimentary Travel Insurance
Before embarking on your next adventure, it is always vital to consider your safety and be prepared for any unexpected emergencies like a global cyber outage, epidemic outbreak or natural disasters.
Your credit card can be a lifesaver during such situations as you can turn to it to pay for necessities or even emergency medical expenses overseas. While many credit cards offer complimentary travel coverage, is it really enough? Let's delve into the key benefits of such coverage and weigh the pros and cons, before making a decision.
How Credit Card Complimentary Travel Insurance Works?
Credit card complimentary travel insurance is quite a common perk offered by many credit card issuers in Singapore nowadays. Essentially, you get travel insurance coverage at no additional cost when you use your credit card to purchase specific travel components.
Here’s a general overview of how it works:
Eligibility and Activation
Coverage
Pros & Cons Of Complimentary Travel Coverage By Credit Cards
| Pros | Cons | |
|---|---|---|
Which Credit Cards Provide Complimentary Travel Insurance?
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
Enjoy an UPSIZED 6,140 SmartPoints or S$400 Cash, and a S$50 Trip.com Hotel Coupon in as fast as 5 weeks when you spend S$500 within 30 days. Get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
Note: There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please refer here.
American Express Singapore Airlines KrisFlyer Credit Card
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
New to American Express Card Members can receive up to 40,000 KrisFlyer miles – enough to redeem a return trip to Taipei* on Singapore Airlines.
Existing American Express Card Members can receive up to 30,000 KrisFlyer miles. T&Cs apply.
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cash Rebate cap
- Unlimited
[Enjoy up to S$120 worth of Rewards!]
Get S$50 Cash and S$70 Trip.com Voucher when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.
CIMB Visa Signature
- Cash Back on Beauty & Wellness, Online Shopping, Groceries
- Up to 10%
- Min. spend per month to qualify for the 10% Cash Back
- S$800
- Cash Back Cap per month
- S$100
[Enjoy up to S$120 worth of Rewards!]
Get S$50 Cash and S$70 Trip.com Voucher when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 5 miles
- on Online Travel Bookings
- S$1 = Up to 2.2 miles
UOB PRVI Miles Visa Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
[FASTER FULFILMENT | UPSIZED REWARDS!]
MoneySmart Exclusive: Get UPSIZED S$150 Grab Ride Vouchers or S$50 Cash IN AS FAST AS 1-2 MONTHS for new-to-card applicants when you apply! No min. spend is required! PLUS get a 1-month Circles.Life Borderless Plan (worth S$70)! T&Cs apply.
Join Rollin’ Rewards for FREE and win up to 18,760 SmartPoints—enough for an iPhone 16 Pro Max (S$1,899)!
UOB Online Promotion: Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who meet the criteria. SMS Registration required. T&Cs apply.
UOB PRVI Miles Mastercard Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
[FASTER FULFILMENT | UPSIZED REWARDS!]
MoneySmart Exclusive: Get UPSIZED S$150 Grab Ride Vouchers or S$50 Cash IN AS FAST AS 1-2 MONTHS for new-to-card applicants when you apply! No min. spend is required! PLUS get a 1-month Circles.Life Borderless Plan (worth S$70)! T&Cs apply.
Join Rollin’ Rewards for FREE and win up to 18,760 SmartPoints—enough for an iPhone 16 Pro Max (S$1,899)!
UOB Online Promotion: Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who meet the criteria. SMS Registration required. T&Cs apply.
UOB PRVI Miles American Express Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
[FASTER FULFILMENT | UPSIZED REWARDS!]
MoneySmart Exclusive: Get UPSIZED S$150 Grab Ride Vouchers or S$50 Cash IN AS FAST AS 1-2 MONTHS for new-to-card applicants when you apply! No min. spend is required! PLUS get a 1-month Circles.Life Borderless Plan (worth S$70)! T&Cs apply.
Join Rollin’ Rewards for FREE and win up to 18,760 SmartPoints—enough for an iPhone 16 Pro Max (S$1,899)!
UOB Online Promotion: Get up to 58,000 miles guaranteed for new-to-UOB Credit Cardmembers who meet the criteria. SMS Registration required. T&Cs apply.
.jpeg)
DCS CASHBACK Card
- 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 Credit Card
- Cashback on Fuel Spends
- 6%
- Cashback on Everyday Dining
- 5%
- with min. spend of $1,600 per month
- Unlock up to $160 Cashback
Get 1,960 SmartPoints or S$150 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
HSBC TravelOne Card
- on Local Spend
- S$1 = 1.2 miles
- on Foreign Currency Spend
- S$1 = 2.4 Miles
- Travel Insurance coverage, Airport Lounge visits
- Complimentary
Get S$199 Cash via PayNow + $150 eCapita Voucher (total worth S$349) or 5,000 SmartPoints , PLUS a 5GB Eskimo eSIM (worth US$25) when you apply, spend a min. of S$800 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
*All data is accurate at the time of writing, last updated on 15 November 2024 as per the information published on the respective providers websites.
Exclusive: Most Popular Credit Cards in Singapore
MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!
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.
