Live Rates
Rates are taken from each provider's respective websites.
The numbers may differ from in-app rates.
1. Which is the best?
There is no single best card, it depends on your use-case, such as currency, atm usage, etc. Click the button below for an interactive guide to find the best card for your situation.
2. Where is Youtrip / Instarem Amaze?
Youtrip rates are only available on the app, and I do not have a way to automate data collection for the app. However, a 1 week analysis shows that for 9 currencies [JPY/USD/EUR/GBP/HKD/AUD/NZD/CHF/SEK], Youtrip's exchange rates are usually very close to Google's exchange rates on weekdays, but for other currencies, Youtrip uses Mastercard exchange rates which has relatively poor exchange rates.
Instarem Amaze rates are hidden until point of transaction, and can be as low as 2.5% below their own Instarem Wallet exchange rates.
3. How to apply for card with a starting bonus?
| Provider | Link / Code | Benefit |
|---|---|---|
| Youtrip | https://youtrip.onelink.me/3xWB/wvno3brs | Get S$5 when signing up through this link | Trust | N4PZ9SCG [Click to Copy] | Get S$10 when you enter referral code after installing Trust app on App Store/Google Play Store | Instarem | https://www.instarem.com/invite/M1cpTF | Get 200 InstaPoints worth S$2.50 when signing up through this link | Wise | https://wise.com/invite/ahpn/jinel3 | Free physical card (UP$8.90) when signing up through this link | Revolut | https://revolut.com/referral/?referral-code=jinesujhr!APR2-24-AR-H2 | My gratitude 💖 |
4. How much can I withdraw from ATM, and are there costs?
| Youtrip | S$400 withdrawal per month at 0% fee, 2% fee afterwards [Source] |
| Revolut | S$350 withdrawal per month at 0% fee, 2% fee afterwards [Source] |
| Trust | No limits at 0% fee [Source] WARNING! If withdrawing using Trust Credit Card, you will be charged cash-advance interest daily (27.9% p.a.) on the withdrawn amount, so pay it off immediately on the same day. [Source] |
| Wise | ~S$300 withdraw per month & max 2 withdraws at 0% fee, various fees afterwards [Source] |
| Instarem wallet | S$1000 / day with a 2% fee [Source] |
In addition, there might be ATM fees, this will depend on the bank that operates the ATM.
Always withdraw in local currency when given a choice, to avoid an additional Dynamic Currency Conversion fee.
