Best Debit/Credit Card for my situation?

Hi! So like a previous commenter mentioned, you'll probably have to pay foreign currency exchange fees no matter which credit card you go with (at least for personal credit cards). Fortunately, there are a few options that offer high enough cashback rates (including for online bill-pay) to offset those fees, so you come out 'nett positive.'

The best option, in my opinion, would be UOB One Card. If you have a consistent budget of S$2k/month, you'll earn 5% cashback on most of your online bill pay (does not include insurance, if that makes a difference). The foreign currency transaction fee is just 2.8%, which is one of the lowest on the Singaporean market. So, your earnings on bill pay will actually surpass the costs.

You can also get UOB One Card as a non-resident/foreigner, as long as you have a minimum annual income of S$40k or fixed deposit collateral of at least S$10k.

• If you're interested in learning more about UOB One Card specifically, here's a review (I work at ValueChampion as a credit card analyst): https://www.valuechampion.sg/uob-one-card-review

• If you want to learn more about how foreign currency transaction fees work, check out this guide: https://www.valuechampion.sg/everything-know-ab...

Hope this helps!

Not sure if AMEX CC is a good solution for your needs?