amaze vs YouTrip vs Wise vs Revolut — Best card for SG travellers in 2026

Quick comparison: how travel cards stack up in 2026

Features	amaze	YouTrip	Wise	Revolut (Standard)
FX Fee	0% (via amaze wallet)	0%	From 0.23%	0% (Weekday) / 1% (Weekend)
Miles/Cashback Earnings	Yes (via amaze wallet)	No	No	No
Bank Card Linking	Yes (up to 5 cards)	No	No	No
ATM Withdrawals	2% fee	S$400/mo Free, then 2% fee.	S$100/mo Free, then 1.75% fee	S$350/mo Free, then 2% fee
Monthly fee	Free	Free	Free	Free
Best For	Mile Chasers	Budget Travellers	Nomads/Large Transfers	Tech-Savvy Travellers

Footnote: amaze wallet transactions: 0% FX fee. Linked card mode: amaze applies up to 2.1% FX spread instead of your bank’s standard spread of up to 3.5% — so you still save versus using your bank card directly.

Travelling overseas comes with more than just flight tickets and hotel expenses. Every overseas purchase, ATM withdrawal and currency conversion can quietly add extra costs through foreign transaction fees, exchange rate markups and withdrawal charges.

That is why choosing the right travel card matters. The right multi-currency card can help Singapore travellers reduce overseas spending costs, access better exchange rates and manage travel expenses more conveniently while abroad.

In this guide, we compare four popular travel cards in Singapore: amaze card, YouTrip, Wise Card and Revolut. By the end of it, you’ll understand which card best fits your travel style, spending habits and overseas needs.

Detailed card comparison

Different multi-currency travel cards—amaze, YouTrip, Wise card and Revolut—are designed to cater to different needs and preferences. Find out which fits you best through this comparison:

amaze card

Issued by Instarem, amaze card is a multi-currency travel card that helps Singaporean travellers spend more efficiently in foreign currencies. It comes with InstaPoints, which you earn on eligible amaze card transactions.

You can also link up to 5 Mastercard debit or credit cards to it. This lets you bypass high FX fees and markups while still collecting miles or cashback on overseas spending. Learn more about the amaze Card and its latest fees, features and supported currencies.

Pros

• Double rewards potential (bank card miles/cashback + InstaPoints)
• No annual fee
• Lower FX fees compared to traditional banks

Cons

• ATM withdrawal fees apply
• Only supports Mastercard linkage
• Some banks may exclude amaze transactions from rewards eligibility

YouTrip

The YouTrip card is a prepaid multi-currency card designed for more efficient overseas spending. Travellers can use it to make purchases or pay for services with competitive rates and zero FX fees in supported currencies worldwide.

Using the card, travellers can avoid the complexity of exchanging money and bringing cash while travelling. Just one card is enough to enjoy cashless spending with the preloaded balance abroad.

Pros

• Prevents overspending
• Zero FX fees
• More competitive rates than conventional banks

Cons

• Prepaid requirements
• Lack of rewards or perks
• Only supports 12 currencies

Wise card

Wise card is a debit card that allows travellers to hold and spend in 40 currencies worldwide. It makes a convenient travel card that helps simplify overseas spending and reduce the high costs associated with conventional bank cards.

The card is linked to the Wise Wallet, which means users need to load it first before use. Funds are then deducted directly from the specific currency wallet they’re spending in—for example, if you spend €10, the card automatically deducts from your Euro balance.

Pros

• Competitive exchange rates
• Lower FX fees than banks
• Prevents overspending

Cons

• Prepaid requirements
• Lack of rewards or perks
• Card acquisition fees

Revolut

Revolut card is a multi-currency debit card that you can use anywhere Visa or Mastercard is accepted. It’s a viable alternative to conventional bank cards, as you can enjoy its competitive rates and zero FX fees (given that transactions are made during weekdays).

Beyond that, Revolut is well-known for its feature-rich ecosystem and budgeting tools. This gives travellers more flexibility to manage spending, exchange currencies, track expenses and access additional financial features directly within the app.

Pros

• Zero FX fees during weekday
• Competitive exchange rates
• Cashback system

Cons

• Prepaid requirements
• Internet reliance to load the balance
• Unlinkable to credit cards

Use case scenario: Which card fits you best?

Everyone has unique travelling styles and preferences. Choosing a multi-currency travel card that aligns with your needs can help improve convenience, spending efficiency and overall travel experience while abroad.

Here’s what we’d recommend based on different travel use cases:

Miles chasers: amaze card

If you enjoy collecting miles or maximising cashback from your overseas spending, amaze card is one of the strongest options. You can also learn more about how to earn KrisFlyer miles with amaze while spending overseas.

Full spending control: YouTrip

If you prefer tighter control over your travel budget, YouTrip is a strong choice. Since it operates on a prepaid model, you can preload only the amount you intend to spend before your trip, helping to reduce the risk of overspending.

Digital nomads and large transfers: Wise Card

Wise is particularly useful for digital nomads, remote workers, expatriates and travellers who frequently move money across countries. It offers competitive exchange rates, support for multiple currencies and international transfer capabilities within the same platform.

If you regularly send money overseas, here’s how to transfer money internationally with Instarem in a few simple steps.

Feature-heavy travel experience: Revolut

Revolut is well-suited for travellers who prefer an all-in-one financial app experience. Beyond overseas spending, it offers additional features such as budgeting tools, instant spending notifications, virtual cards, currency exchange tools and other app-based financial controls.

Regional winners: best card by destination

Destination	Recommended Card	Why
Japan	amaze + YouTrip	Strong card acceptance + better ATM cash access
Europe	amaze or Revolut	Competitive EUR exchange rates
United States	amaze or Wise	Good USD conversion and acceptance
Southeast Asia	amaze + YouTrip	Flexible spending and ATM access
United Kingdom	Wise	Competitive GBP conversion and local account support

Final thoughts

Deciding which multi-currency travel card to use comes down to considering your travel needs and preferences. Among the options we’ve discussed—amaze, YouTrip, Wise card and Revolut—each offers its own perks that suit unique preferences.

However, If you’re a miles chaser looking to maximise your credit card rewards, amaze stands out as one of the strongest options. 

Unlike most multi-currency travel cards, amaze allows you to link up to 5 Mastercard credit or debit cards. This lets you continue earning miles or cashback from your bank cards while reducing overseas FX fees and currency conversion markups.

Apply for an amaze card today! Start making your overseas spending work harder for your rewards strategy.

You can also top up your amaze wallet via Apple Pay for faster and more convenient travel spending preparation.

FAQs about multicurrency cards for Singaporean travellers

Is amaze completely free in 2026?

Some fees may apply, including an FX spread on linked card transactions, overseas ATM withdrawal fees, and a small fee on domestic SGD spending. Wallet transactions remain fee-free, and the overall costs are generally lower compared to conventional bank cards.

Will I still earn miles when I use amaze overseas?

Yes, you can still earn miles when using amaze overseas. Make sure to link bank cards that support rewards or miles accumulation to your amaze card.

Which card should I use in Japan?

amaze and YouTrip are the top two recommendations to use in Japan. They’re widely accepted across merchants and offer competitive rates. Travelling to Korea instead? Here’s a guide to using the amaze card in South Korea, including fees, acceptance and InstaPoints information.

Can I use these cards for online shopping in foreign currencies?

Yes, multi-currency travel cards can generally be used for online shopping in foreign currencies. Most operate on global payment networks such as Mastercard or Visa, allowing them to be accepted by international online merchants that support these payment systems.

Get your free amaze card in 5 minutes — no annual fee, no minimum spend

Apply via the Instarem app, link your existing miles or cashback card, and start earning rewards on every overseas dollar from your very next trip.

Disclaimer: Rates and terms are current as of May 2026. amaze is a product of Instarem (Nium Pte. Ltd.). While there are no annual fees, a 1% fee applies to domestic SGD transactions. Reward “stacking” depends on your specific bank’s terms; some banks (like DBS or UOB) may exclude amaze from earning miles or cashback. Please check your card’s latest MCC rewards policy before spending.