Best Personal Loans For Low Income Earners In Singapore 2024
Banks and financial institutions are strict when it comes to giving personal loans to borrowers. For example, they require you to have a minimum annual income requirement, and also limit the amount you can borrow based on your annual income. However, if you need an urgent injection of funds, that's not to say you can't get a personal loan approved if you're a low-income earner. Unless you decide to look for financial assistance from the government.
If you're looking for a personal loan with a lower income requirement, here are the best personal loans to consider in Singapore.
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Banks and financial institutions are strict when it comes to giving personal loans to borrowers. For example, they require you to have a minimum annual income requirement, and also limit the amount you can borrow based on your annual income. However, if you need an urgent injection of funds, that's not to say you can't get a personal loan approved if you're a low-income earner. unless you decide to look for financial assistance from the government.
If you're looking for a personal loan with a lower income requirement, here are the best personal loans to consider in Singapore.
- POSB Personal Loan: Borrow up to 10X your monthly salary
- OCBC ExtraCash Loan: Low minimum annual income requirement
- Standard Chartered CashOne Loan: Lowest interest rate
- CIMB Personal Loan: Borrow up to o early repayment fee, and processing fee waived off for loans S$5,000 and above
- Citi QuickCash Loan: Low interest rates and no processing and administrative fees
Jump to: Best Personal Loans For Low-Income Earners | What Is The Minimum Income For Personal Loans | Why Do Banks Have A Minimum Salary Requirement For Personal Loans? | What Can You Use A Personal Loan For? | What Should Low-Income Earners Look Out For When Applying For A Loan? | How To Make It Easier To Secure A Loan For Low-Income Earners? | Frequently Asked Questions | Newsletter
Best Personal Loans For Low-Income Earners
Here's an overview of the best personal loans with the lowest income requirements. Besides the income requirement, also take note of the interest rates, fees, loan limits, and tenure.
Personal Loan | Min. Annual Income | Interest Rate And Fees | Loan Limit And Tenure |
POSB Personal Loan |
S$20,000 (Singapore citizens, PRs, and foreigners) | From 3.88% p.a. + 1% processing fee (EIR 7.56% p.a.) |
Maximum loan: up to 10X your monthly income Loan tenure: 1 to 5 years |
Standard Chartered CashOne Personal Loan |
S$20,000 (Singapore citizens and PRs) S$60,000 (foreigners) |
From 2.88% p.a. (EIR from 5.84% p.a.) S$199 processing fee (first year only) |
Maximum loan: up to 4X your monthly income Loan tenure: 1 to 5 years |
OCBC ExtraCash Personal Loan |
S$20,000 (Singapore citizens and PRs) S$45,000 (foreigners) |
From 2.88% p.a. (EIR from 5.84% p.a.) Annual income from S$20,000 to S$29,999: S$100 Annual income from S$30,000: S$150 or 2% of the approved loan amount, whichever is higher |
Maximum loan: up to 6X your monthly income Loan tenure: 1 to 5 years |
CIMB Personal Loan |
S$20,000 (Singapore citizens and PRs) | From 3.38% p.a. (EIR 6.32%) 1% processing fee for loan amount less than S$5,000; waived for loan amounts S$5,000 and above |
Maximum loan: up to 8X your monthly income (with annual incomes of S$120,000 and above) Loan tenure: 1 to 5 years |
|
S$30,000 (Singapore citizens and PRs) S$45,000 (foreigners) |
From 3.45% p.a. (EIR 6.50% p.a.) No processing fee |
Maximum loan: up to 4X your monthly income Loan tenure: 1 to 5 years |
What Is The Minimum Income For Personal Loans?
In general, most banks or financial institutions require you to have a minimum annual income of S$20,000 (for Singaporeans and Singapore PRs). For foreigners, the threshold is higher at S$40,000. However, this varies from bank to bank, and some may have higher annual income thresholds — S$30,000 for Singaporeans and Singapore PRs, and S$60,000 for foreigners.
Why Do banks Have A Minimum Salary Requirement For Personal Loans?
A personal loan is an unsecured loan, meaning you can borrow without any collateral. As such, to safeguard themselves, banks screen applicants according to their ability to repay the loan. One of those ways includes requiring applicants to have a minimum salary requirement.
However, banks also consider other aspects like credit history and employment stability to make informed lending decisions.
Risk Mitigation
Banks evaluate the risk associated with lending money. By setting a minimum salary requirement, they aim to lend to individuals with a stable income, reducing the risk of default on loan payments.
Creditworthiness
The minimum salary requirement is often used as a proxy for assessing the creditworthiness of an individual. Higher income levels may be associated with better financial stability and a lower likelihood of default.
Loan Amount Considerations
The minimum salary requirement may vary based on the loan amount requested. Higher loan amounts may necessitate a higher income to ensure that the borrower can comfortably manage the repayment.
Weddings can be costly affairs, so a personal loan can help alleviate some of the burden and help make your wedding expenses more manageable.
Debt Consolidation
You can also take a personal loan for debt consolidation, where you combine all your high-interest debts, such as credit cards, into one fixed monthly instalment.
This not only helps to streamline your payments, but the interest is also much lower compared to the aggregated interest rates across all your debts.
Interest Rates
When it comes to personal loans, there are two types of interest rates: advertised interest rate and effective interest rate (EIR).
The advertised interest rate only looks at the interest you're charged; it doesn't consider other costs and assumes that the loan principal is the same throughout the loan tenure.
Meanwhile, the EIR reflects other costs, such as administrative or processing fees. It also takes into account the reduced principal balance over the loan tenure. In other words, the EIR is the true cost of borrowing.
Fees And Charges
Interest rate isn't the only factor to consider; you should also look out for additional fees and charges.
Examples include application fees, processing fees, early repayment fees, late payment charges, and changes in tenure fees. These fees can significantly impact the overall cost of the loan.
Repayment Terms
Review the repayment terms, including the monthly instalment amount and the loan tenure.
Ensure that you have the means to afford and repay the loan within the loan tenure.
Loan Amount
Banks will evaluate different factors before deciding on the borrowing amount. These include your credit score, monthly income, and relationship with a bank.
In general, you can borrow up to 4x your monthly salary if your annual income is S$30,000 to S$120,000, while someone earning S$30,000 or less is limited to 2X of their monthly income.
Credit Score Impact
If you take on more debts unnecessarily, banks or financial institutions may perceive that you're over-extending yourself, resulting in a lower credit score.
Moreover, your credit score will also be affected if you don't repay your loans on time.
Eligibility
You should be at least 21 years old and a Singapore citizen or PR with a minimum annual income of S$20,000.
While some banks don't offer loans to foreigners, there are some that do. But this usually comes with higher income requirements.
Loan Purpose
Take a personal loan only after you've assessed your financial health and existing loan commitments. Ensure that you're able to pay the monthly repayments.
Debt-to-Income Ratio
In Singapore, lenders use the Total Debt Servicing Ratio (TDSR) framework when evaluating your personal loan eligibility.
Your TDSR is the portion you can use to service your debt repayments and should be less than or equal to 55% of your gross monthly income.
Securing a loan can be challenging for low-income earners, but there are steps you can take to improve your chances and make the process easier. Here are some tips:
Good Credit History
Your credit score affects your loan eligibility, so focus on building and maintaining a good credit history.
These include paying your credit card bills/loans on time, staying within your credit limit, limiting the number of open credit facilities, and avoiding overleveraging. A good credit score can enhance your loan eligibility and may result in more favorable terms.
Check Your Eligibility
Banks typically require you to have a minimum annual income of S$30,000 if you're a Singapore citizen or PR.
For foreigners, this amount is set at S$40,000. Moreover, some banks only limit their offers to Singapore citizens and PRs.
Co-Signer Or Guarantor
You can bolster your chances of securing a personal loan by having a co-signer or guarantor.
Be sure to select a financially stable co-signer with a good credit history. This helps to give confidence to your lender, which can boost your chances of approval.
Small Loan Amounts
Start with a small loan amount. Banks are more willing to approve smaller loans, especially for individuals with lower incomes.
If you don't qualify for a personal loan or find it too expensive, consider alternatives like credit cards, credit unions, home equity loans, and government assistance programs. Additionally, you can seek assistance from family and friends, or financial counseling services. It's crucial to carefully evaluate terms and reputations to avoid potential pitfalls in these alternative lending sources.
If your personal loan application is denied, you can reapply and qualify by taking the right steps. These include getting the basic requirements in order, improving your credit score, finding a co-signer, reducing your debt, managing your cash flow, and increasing your income.
It can be challenging to secure a personal without proof of income. Still, you can improve your chances by providing the relevant documents, making a joint application with someone with a good credit score, improving your credit score, and opting for a co-signer.
Missed payments will result in additional interest charges, late fees, and penalties. Moreover, it will also impact your credit score negatively.
Most personal loans require a minimum annual income of S$30,000. However, you can look for options with lower annual income requirements.
You can provide your payslips (usually within the last two months), the latest CPF contribution history, and the latest Notice of Assessment. You might also need your letter of employment as proof.
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Product Information
- Offers terrorism coverage of up to $300,000
- Offers Cruise to Nowhere coverage
- Hassle-free and immediate travel claims encashment via PayNow.
- Receive $500,000 for accidental death and permanent disablement.
- Legal liability coverage of up to $750,000 for accidents overseas resulting in third party bodily injuries or property damage.
- Automated flight delay benefit claims and instant payout (with just 3 hours of consecutive delay up to $500).
- Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.
- Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.
, Covid-19 Coverage
- Overseas Medical Expenses coverage of up to $300,000
- Emergency evacuation cover/repatriation up to $500,000
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- If insured person undertakes any journey against the advice of a physician
- No compensation for any air miles, holiday points, membership or credit card redemption the insured person(s) use to pay for all or part of the trip.
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TIQ also distinguishes itself with its extensive coverage for COVID-19 and its inclusion of adventure sports protection. You can enjoy a peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, ensuring you are well-protected in case you contract it during your trip or even before.
Additionally, TIQ offers coverage of up to $5,000 for non-refundable expenses if you need to cancel or postpone your trip within 14 days of your departure date.
It's important to note that COVID-19 coverage is available as an add-on, starting at S$45 (for a 10-day trip to Germany). However, considering the substantial coverage it provides, the additional cost is well justified.
For travellers planning adventurous activities, TIQ has you covered. They offer an optional sports equipment cover that provides protection for equipment such as golf clubs, diving gear, fishing equipment, bicycles, ski gear, snowboards, and climbing equipment, with coverage extending up to S$4,000.
SingSaver's Exclusive TIQ Travel Insurance Promotion:
Single Trip: Use the promo code TIQSINGSAVER to get 50% off. Also receive $30 Free Travel Voucher. Valid till 31 December 2024. T&Cs apply.
Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 31 December 2024. T&Cs apply.
Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.
Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.
Real User Reviews of Tiq Travel Luxury Travel Insurance Plan
"Claim process online was easy and fast."
[Claims Process] |
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Best for families: Direct Asia Travel Insurance
Direct Asia Travel Insurance - Voyager 500
Cancellation coverage
Medical Coverage (Overseas)
Bags & Belongings Coverage
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獎勵
Product Information
- Covers trip cancellation and curtailment of up to $15,000.
- Covers rental car excess of up to $1,500
- Under family travel insurance, children go free with 2 adults.
- Loss of baggage and personal belongings coverage of up till $5,000.
- All child payable limits are the same as adults under our family travel insurance plans.
- If you are alone and hospitalized overseas for at least 5 days, we will pay for a family member to be with you.
- You can choose to add your foreign domestic worker to your family plan. Family holidays will be more fun with more hands to help
Exceptions
- Excludes Any Pre-Existing Medical Condition
- Excludes any medical expenses incurred due to pregnancy, childbirth, miscarriage or abortion unless caused by an injury.
- Act of terrorism involves the use of biological agents, chemical agents or nuclear devices
- Single trip only: Does not cover extreme sports, including sports equipments, and activites
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If you’re bringing your kids along on your trip with you, Direct Asia Travel Insurance might be your new go-to travel insurance because, firstly, it offers complimentary coverage for up to 4 children.
Though most family plans offered by insurers come at a fixed price no matter how many kids you have, they might still have extra costs beyond just paying for 2 adults. But for Direct Asia, your’re just paying for 2 adults if you opt for a family plan.
On top of that, the coverage for each child and adult is the same, meaning that your children are still able to claim up to the same claim limit as you, up to the limit set by the family plan. If you compare to other travel insurance plans, some offer much lower coverage for children. This gives you the peace of mind of knowing that your children are sufficiently covered as well!
When it comes to medical expenses, Direct Asia offers coverage for treatment received overseas and when you’re back in Singapore. They even cover Traditional Chinese Medicine (TCM) treatment up to S$750 which not many other plans offer — great for those who are strong believers of TCM and their benefits.
Direct Asia Travel Insurance Promotion: Get 40% discount when you apply now.
Best value-for-money: FWD Travel Insurance
FWD First
Cancellation coverage
Medical Coverage (Overseas)
Bags & Belongings Coverage
See more
See less
獎勵
- Hassle-free claims so you get reimbursed easily and quickly
- Affordable comprehensive coverage for worry-free travel
- 50% reimbursement, even if you have to cancel your trip for any reason
- Enhanced benefits with add-ons for pet care, home content cover, sports equipment and pre-existing conditions
Purchase via SingSaver to get the best deal, guaranteed.
Product Information
- Option to cover pre-existing conditions
- Unlimited medical evacuation and repatriation coverage
- Full terrorism coverage
- Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!
- Accidental Death and Disability Coverage up to $400,000
- Overseas Medical Expense coverage due to accident up to $1,000,000
- Coverage for dental expenses due to accident up to $5,000
- Option to cover pre-existing conditions
- Optional rider to Cancel / Postpone / Cut Short your Trip for Any Reason up to $6,000
- Optional rider to cover COVID-19
- Read our full review of the FWD Travel Insurance plan
Exceptions
- No trip cancellation benefit when the policy is bought less than 3 days before the start of the trip
- For claims against stolen or damaged items, a proof of possession and care needs to be established
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- Option to cover pre-existing conditions
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- Optional rider to cover COVID-19
- Read our full review of the FWD Travel Insurance plan
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- Enhanced benefits with add-ons for pet care, home content cover, sports equipment and pre-existing conditions
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If you subscribe to the belief that "having some coverage is better than having none" and prioritise affordability, FWD Travel Insurance could be an excellent choice for you. Their plans kick off at just S$60.72 for a 10-day trip to Germany, making them the most budget-friendly option available.
However, when it comes to comparing the extent of coverage, it doesn't fall short. They provide substantial overseas medical coverage, allowing claims of up to S$1,000,000. Additionally, their coverage for trip cancellation is quite generous, offering up to S$15,000 in protection.
The only drawback is that the plan doesn't include COVID-19 coverage as a standard feature, but you can opt for an add-on rider at an additional cost of S$21.54 (for a 10-day trip to Germany). This rider offers coverage of up to S$200,000 for medical expenses related to COVID-19, a daily overseas quarantine allowance of S$50 for a maximum of 14 days, and trip disruption coverage of up to S$5,000.
Beyond its cost-effectiveness, FWD Travel Insurance boasts a hassle-free claims system and efficient customer service. You can easily submit your claims via the FWD SG App and seek assistance if needed.
Also, FWD just added coverage for trip cancellation, postponement or curtailment for any reason, up to S$6,000. This is only applicable if you purchase the add-on within 7 days from the initial trip deposit for your trip.
SingSaver's Exclusive FWD Promotion: Use the promo code TRAVEL25 to get a 25% discount on Single Trip and Annual Trip plans! Valid till 25 December 2024. T&Cs apply. Also receive:
- Up to S$40 Lazada vouchers for Annual trip plans. Limited quantities available. Valid till 30 December 2024 5:30 pm. T&Cs apply.
- S$20 Paynow for Annual trip plans. Valid till 30 December 2024 5:30 pm. T&Cs apply.
- A chance to win a year's worth of free flights or up to S$160,000 in rewards. Valid till 30 December 2024 5:30 pm. T&Cs apply.
Real User Reviews of FWD Travel Premium Plan
"Purchasing a FWD travel was simple and fuss free."
[The process to purchase insurance was seamless and easy. Payment was convenient as well and able to pay using Paynow and grabpay even. Recommended! |
|
Best for comprehensive coverage: Singlife Travel Insurance
Singlife Travel Prestige
Cancellation coverage
Medical Coverage (Overseas)
Bags & Belongings Coverage
See more
See less
Exclusive SingSaver Promotion
- Comprehensive coverage for frequent flyer points
Comprehensive coverage for outdoor activities
50% reimbursement, even if you have to cancel or change your travel dates
MINDEF/MHA & POGIS insured members and their family get up to 48% off single trip plans
Use the promo code TRAVEL25 to get 25% off when you buy now. T&Cs apply. Also receive:
- 4 miles per S$1 spend on your premium. Valid till 30 September 2024 5:30 pm. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.
- Complimentary lounge access during flight delays. 30 September 2024 5:30 pm. T&Cs apply.
Purchase via SingSaver to get the best deal, guaranteed.
Product Information
- 24/7 Emergency travel assistance
- Seamless claims experience with PayNow
- Travel inconvenience/ Change of travelling date for any reason - cover trip cancellation/ change of travelling date for any reason
- Loss of frequent flyers points
- Accidental death and disability benefit up to $500,000
- Trip interruption - Change of trip itinerary up to $3,000
- Rental vehicle excess limit up to $2,500
- Read our full review of Singlife's Travel Insurance
Covid-19 Coverage
- Medical Expenses Coverage of up to $200,000
- Unlimited Coverage for Emergency Medical Evacuation and Repatriation
Exceptions
- Any Pre-Existing Medical Condition
- Exclusion applies if insured person did not take all reasonable efforts to safeguard his property or to avoid any injury
- Excludes any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except miscarriage due to Bodily Injury) or abortion, intoxication by alcohol or drugs not prescribed by a Physician.
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- Loss of frequent flyers points
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- Trip interruption - Change of trip itinerary up to $3,000
- Rental vehicle excess limit up to $2,500
- Read our full review of Singlife's Travel Insurance
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50% reimbursement, even if you have to cancel or change your travel dates
MINDEF/MHA & POGIS insured members and their family get up to 48% off single trip plans
Use the promo code TRAVEL25 to get 25% off when you buy now. T&Cs apply. Also receive:
- 4 miles per S$1 spend on your premium. Valid till 30 September 2024 5:30 pm. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.
- Complimentary lounge access during flight delays. 30 September 2024 5:30 pm. T&Cs apply.
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Product Information
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- Seamless claims experience with PayNow
- Travel inconvenience/ Change of travelling date for any reason - cover trip cancellation/ change of travelling date for any reason
- Loss of frequent flyers points
- Accidental death and disability benefit up to $500,000
- Trip interruption - Change of trip itinerary up to $3,000
- Rental vehicle excess limit up to $2,500
- Read our full review of Singlife's Travel Insurance
, Covid-19 Coverage
- Medical Expenses Coverage of up to $200,000
- Unlimited Coverage for Emergency Medical Evacuation and Repatriation
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For those seeking the most comprehensive travel insurance package, Singlife offers an exceptional all-encompassing policy that provides extensive coverage, even for unique scenarios such as the loss of bridal accessories, inclement weather conditions, and trip cancellations for any reason.
With Singlife's Travel Prestige plan, you can benefit from an impressive feature that includes unlimited coverage for medical expenses, a rarity among insurers.
Their coverage for travel cancellations extends up to S$15,000, while trip cancellation for any reason is capped at S$5,000 for Travel Plus and Travel Prestige Plans. This means you have the flexibility to cancel your plans due to conflicting events, changes in your itinerary, or simply a change of heart. However, the caveat is you have to purchase your policy within seven days of booking your flights or hotels to qualify for a claim.
Singlife also provides a unique benefit of rainfall coverage, offering compensation of up to S$150 in the event of rainfall exceeding 6.4mm within a 24-hour period, should it disrupt your travel plans. Furthermore, their coverage extends to adventurous activities like white-water rafting, jet skiing, and kayaking, making it an ideal choice for those seeking overseas sports adventures.
Notably, this plan includes COVID-19 coverage, providing up to S$200,000 for overseas medical expenses.
Singlife Travel Insurance Promotion:
Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 31 December 2024. T&Cs apply.
Also receive:
- Up to S$70 Lazada voucher. Valid till 30 December 2024 5:30 pm. T&Cs apply.
- S$20 Paynow for Annual trip plans. Valid till 30 December 2024 5:30 pm. T&Cs apply.
- an Apple AirTag worth S$45. Valid till 8 December 2024. T&Cs apply.
- A chance to win a year's worth of free flights or up to S$160,000 in rewards. Valid till 30 December 2024 5:30 pm. T&Cs apply.
Real User Reviews of Singlife Travel Prestige
"When we have outpatient medical claims e.g. kids fall ill... Singlife is always quite prompt..."
[Customer Service]
Claims executive that handled my case was professional and efficient. [Claims Process] It was a pleasant experience having my claim processed. |
Claiming is easy and fast. They transfer the claims directly via PayNow which is convenient and faster than sending Cheques and having to bank them in.
|
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What kind of coverage does Schengen Travel Insurance typically offer?
Schengen Travel Insurance typically offers similar coverage to standard travel insurance, consisting medical expenses, hospitalisation, baggage loss, delayed flights etc. The only difference is that Schengen Travel Insurance Policies offer at least €30,000 (~S$44,000) of medical coverage, which must include repatriation of remains, to meet the Schengen Agreement requirements. Reviewing the policy terms is important so you can understand the coverage and exclusions.
How different are the exclusions for Schengen Travel Insurance?
While there may be some similarities, the exclusions for Schengen Travel Insurance can be specific to visa requirements and the Schengen Area. Common exclusions, such as pre-existing conditions and hazardous activities, might align with those in standard travel insurance, but it's essential to check policy details as there can be variations.
What are the list of countries in the Schengen area?
Generally, Schengen insurance is required for travellers visiting countries within the Schengen Area, which consists of 27 European countries that have abolished passport control at their mutual borders.
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How to choose the best Schengen Travel Insurance?
Coverage limits
Ensure that the insurance coverage meets or exceeds the minimum requirements set by the Schengen consulates, which typically include coverage for medical expenses, repatriation, and emergency evacuation.Medical coverage
Europe is known for its high-quality healthcare systems, but access can be costly for travellers. Comprehensive medical coverage ensures you can receive the necessary treatment without worrying about exorbitant expenses. For instance, if you fall ill and require hospitalisation in Europe, adequate coverage ensures you get proper care without financial strain.
Destination of coverage
The insurance should cover the entire duration of your stay in the Schengen Area. Some policies may offer coverage on a daily, monthly, or annual basis.
Compliance with Schengen Visa requirements
Verify that the insurance policy explicitly states that it complies with Schengen visa requirements. The policy should include a specific statement indicating coverage for medical expenses, repatriation, and emergency evacuation up to the required limits.
What's the difference between a Schengen Travel Insurance and a Schengen Visa?
What are the travel requirements specific to Schengen Countries in Europe?
You're only required to get a Schengen travel insurance if you're applying for a Schengen visa. You'll have to purchase a policy that offers at least €30,000 (~S$44,000) for medical expenses and repatriation.
Why do you need Travel Insurance to visit Europe in the Schengen Area?
MSIG Premier Plan
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000
|
Overseas Medical Expenses
|
S$1,000,000
|
Medical Expenses in Singapore
|
S$75,000
|
Travel Cancellation
|
S$15,000
|
Travel Delay
|
S$1,500
|
Sub-limit
|
S$100/6h
|
Baggage / Personal Belongings Delay
|
S$1,500
|
Sub-limit
|
S$250/6h
|
Loss of Baggage / Personal Belongings
|
S$7,500
|
per Article
|
S$500
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per Laptop
|
S$1,000
|
Allianz Travel Insurance Platinum Plan
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$100,000
|
Overseas Medical Expenses
|
S$1,000,000
|
Medical Expenses in Singapore
|
S$2,500
|
Travel Cancellation
|
S$10,000
|
Travel Delay
|
S$1,600
|
Sub-limit
|
NA
|
Baggage / Personal Belongings Delay
|
S$1,000
|
Sub-limit
|
NA
|
Loss of Baggage / Personal Belongings
|
S$5,000
|
per Article
|
S$500
|
per Laptop
|
NA
|
Starr TraveLead Gold
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses | S$1,000,000 |
Medical Expenses in Singapore
|
S$50,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,500 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,200 |
Sub-limit | S$100/6h |
Loss of Baggage / Personal Belongings
|
S$7,500 |
per Article
|
S$400 |
per Laptop
|
S$1,400 |
FWD First
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$400,000 |
Overseas Medical Expenses | S$1,000,000 |
Medical Expenses in Singapore
|
S$30,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,000 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$900 |
Sub-limit | S$150/6h |
Loss of Baggage / Personal Belongings
|
S$7,500 |
per Article
|
S$300 |
per Laptop
|
S$1,000 |
Tiq Travel Luxury
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses | S$1,000,000 |
Medical Expenses in Singapore
|
S$10,000 |
Travel Cancellation
|
S$10,000 |
Travel Delay
|
S$500 |
Sub-limit
|
S$50/3h |
Baggage / Personal Belongings Delay | S$200 |
Sub-limit | S$100/6h |
Loss of Baggage / Personal Belongings
|
S$3,000 |
per Article
|
S$250 |
per Laptop
|
S$1,000 |
Seedly Travel Secure
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$300,000 |
Overseas Medical Expenses | S$500,000 (including COVID-19) |
Medical Expenses in Singapore
|
S$40,000 |
Travel Cancellation
|
S$10,000 |
Travel Delay
|
S$2,000 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,500 |
Sub-limit | S$150/6h |
Loss of Baggage / Personal Belongings
|
S$10,000 |
per Article
|
S$500 |
per Laptop
|
NA |
Singlife Travel Prestige
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses | Unlimited |
Medical Expenses in Singapore
|
S$80,000 |
Travel Cancellation
|
S$20,000 |
Travel Delay
|
S$2,000 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$2,000 |
Sub-limit | S$100/6h |
Loss of Baggage / Personal Belongings
|
S$8,000 |
per Article
|
S$700 |
per Laptop
|
NA |
Great Eastern TravelSmart Premier Elite
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses |
S$500,000 |
Medical Expenses in Singapore
|
S$50,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,200 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,200 |
Sub-limit | S$200/6h |
Loss of Baggage / Personal Belongings
|
S$5,000 |
per Article
|
S$500 |
per Laptop
|
S$1,000 |
AIG Travel Guard Direct Supreme
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$300,000 |
Overseas Medical Expenses | S$2,500,000 |
Medical Expenses in Singapore
|
S$50,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$3,000 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,600 |
Sub-limit | S$200/6h |
Loss of Baggage / Personal Belongings
|
S$10,000 |
per Article
|
S$500 |
per Laptop
|
NA |
Direct Asia DA500
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses |
S$500,000 |
Medical Expenses in Singapore
|
S$25,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,500 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,000 |
Sub-limit | S$200/6h |
Loss of Baggage / Personal Belongings
|
S$5,000 |
per Article
|
S$500 |
per Laptop
|
S$1,000 |
HLAS COVIDSafe Premier
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$350,000 |
Overseas Medical Expenses |
S$750,000 |
Medical Expenses in Singapore
|
S$25,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,000 |
Sub-limit
|
S$100/6h |
Baggage / Personal Belongings Delay | S$1,500 |
Sub-limit | S$100/6h |
Loss of Baggage / Personal Belongings
|
S$8,000 |
per Article
|
S$500 |
per Laptop
|
NA |
Allied World Travel Protector Plan 3
Coverage details
Benefits
|
Coverage
|
Accidental Death & Total Permanent Disability
|
S$500,000 |
Overseas Medical Expenses |
S$500,000 |
Medical Expenses in Singapore
|
S$50,000 |
Travel Cancellation
|
S$15,000 |
Travel Delay
|
S$1,000 |
Sub-limit
|
S$100/first 6h, S$20/h thereafter |
Baggage / Personal Belongings Delay | S$1,000 |
Sub-limit | S$250/first 6h, S$20/h thereafter |
Loss of Baggage / Personal Belongings
|
S$5,000 |
per Article
|
NA |
per Laptop
|
NA |
Understanding Citibank ThankYou Rewards Points
How Do I Earn Citi ThankYou Rewards and Miles Points?
To earn Citi Rewards and Miles points in Singapore, you can use a Citi credit card that is part of the Citi Rewards/Miles programme. You can earn points by making purchases with the card, and the number of points earned will depend on the type of card and the type of purchase.
Some Citibank credit cards in Singapore that allow you to earn Citi Rewards Points include the Citi Lazada Credit Card, the Citi Prestige Credit Card, and the Citi Rewards Card. You can only earn Citi Miles Points with the Citi PremierMiles Credit Card.
You can also earn Citi Rewards Points if you are enrolled to other Citi products and services, such as a Citibank checking account. Additionally, you can earn points by shopping at participating merchants or online retailers.
Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Miles
If you're a Citibank credit cardholder in Singapore, you can transfer your Citi Rewards Points or Citi Miles to your preferred frequent flyer account.
To transfer your Citi Rewards Points or Miles, log in to the Citi ThankYou Rewards website, and browse the Citi points transfer catalogue. Once you have selected your desired travel loyalty programme, you can select the number of Citi Rewards or Miles you want to transfer.
You may also redeem your Citi Rewards and Miles points for miles through the Citi mobile app.
Do note that 25,000 Rewards Points/10,000 Citi Miles = 10,000 Miles and an administrative fee of S$27 (inclusive of GST) will be charged for each points transfer.
Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Cash Rebates
As a Citibank credit cardholder in Singapore, you can redeem cash rebates through the Citibank online banking portal, mobile app or via SMS.
To redeem your cash rebates, log in to your Citibank online banking account or the Citibank mobile app and navigate to the rewards dashboard. Once there, you will be able to see your available points balance, and you can choose to redeem it as a statement credit to your Citi Card account.
If you wish to redeem your cashback rebate via SMS with Rewards Points, type “RWDS<space> Last 4 digits of your card number<space><CASH10 or CASH20 or CASH50>” as an SMS and send it to 72484.
To redeem your cashback rebate via SMS with Citi Miles, type “RWDS<space> Last 4 digits of your card number<space><PMCASH10 or PMCASH20 or PMCASH50>” as an SMS and send it to 72484.
You may also redeem your Citi Rewards Points and Citi Miles for cash rebates through the Citi mobile app.
Do note that 4,400 Reward Points/1,650 Citi Miles = S$10 cash rebate
Redeeming Citi ThankYou Rewards Points for Products or Vouchers
To redeem Citi Rewards Points for products or vouchers, you will need to log in to the Citi ThankYou Rewards website or the Citi mobile app.
Once logged in, you will be able to view the available redemption options, which may include electronics, bags and luggages, and gift vouchers. Select the option you wish to redeem your points for and follow the prompts to complete the redemption process.
The number of points required for a specific redemption option may vary.
Managing Your Citibank Credit Card
Citibank Credit Card Interest Rates and Late Payment Charge
Citibank credit card interest rates in Singapore vary depending on the type of card and the individual's creditworthiness. However, in general, the interest rate for Citibank credit cards in Singapore is *26.9% per annum.
This rate may be subject to change, and it is important to check with Citibank for the most up-to-date information. Additionally, some Citibank credit card promotions may offer a lower interest rate for a limited time.
Do note that a S$100 late payment charge will be levied if the Minimum Payment Due is not received on or before the Payment Due Date.
*information obtained from Citibank Singapore
Learn About Citibank's 0% Instalment Plan for Credit Cards
Citibank in Singapore offers a 0% instalment plan for its credit cardholders, which allows them to make large purchases and pay for them over time without incurring interest charges.
The plan typically allows customers to divide the cost of a purchase over a period of time of their choosing, usually 6, 12 or 24 months. This feature can be useful for making big-ticket purchases, such as electronics or furniture, more affordable.
It's important to note that there might be some restrictions in the items that are eligible for 0% instalment plan and the customers should check with Citibank for the most current information and the terms and conditions that apply to the plan.
Replacing a Lost or Stolen Citibank Credit Card
If you need to replace a lost or stolen Citibank credit card in Singapore, you can do so by contacting the bank's customer service department. They will be able to cancel your current card and issue a new one.
Depending on the type of card you have, you may also be able to request a replacement card through the Citibank online banking portal or mobile app. In some cases, the bank may require additional verification before issuing a replacement card.
To ensure that you can continue using your credit card without interruption, it's important to report a lost or stolen card as soon as possible.
Get Immediate Assistance with the Citibank Credit Card Hotline
The Citibank Credit Card Hotline in Singapore is a customer service hotline that is dedicated to providing assistance to Citibank credit card holders in Singapore.
The hotline is available 24 hours a day, 7 days a week, and can be reached by dialing the number +65 6225 5225.
The customer service representatives on the hotline can assist with a wide range of issues related to Citibank credit cards, including account inquiries, balance transfers, and credit limit increases.
They can also help with reporting lost or stolen credit cards, and providing information about Citibank's various credit card promotions and offers.
Overall, the Citibank Credit Card Hotline in Singapore is a convenient way to get help with any issues related to your Citibank credit card.
Experience Convenience and Security with Citi Online Banking
Citibank Singapore, a subsidiary of Citigroup, one of the largest financial services companies in the world, offers Online Banking services to all its customers.
With Citi Online Banking, customers in Singapore can access a wide range of banking services, including account management, fund transfers, bill payments, and investment services, all from the convenience of their computer or mobile device.
The platform is designed to be secure and user-friendly, with features such as two-factor authentication and real-time notifications to help customers stay on top of their finances.
Whether you're looking to manage your day-to-day banking or make bigger financial moves, Citi Online Banking is a convenient and reliable choice.
Complete Transfers and Payments Easily with Citibank PayNow
Citibank PayNow is a feature available to Citibank customers in Singapore that allows them to make payments and transfer money to other individuals or businesses using their mobile number or Singapore NRIC/FIN number. This feature allows for transactions without the need for the recipient's bank account details.
To use Citibank PayNow, customers need to link their mobile number or NRIC/FIN number to their Citibank account through the Citibank online banking portal or mobile app. Once linked, customers can make payments or transfer money to other PayNow registered users in real-time.
Additionally, Citibank PayNow also allows customers to make recurring payments, such as bills, using this service. Citibank PayNow is a convenient and secure way to make transactions in Singapore.
Take Advantage of Credit Card Promotions with Citibank
Citibank credit card promotions in Singapore can vary depending on the time of year and the specific card.
Some common promotions include cashback offers, bonus miles, and cash vouchers.
For example, Citibank credit cardholders may be able to earn additional cashback on purchases made at certain retailers or receive discounts on hotel bookings. It is important to check with Citibank for the most current promotions available as they may change frequently.
Additionally, you can also check the Citibank's official website or the Citibank app for latest promotions.
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MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneyhero={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=true, show_banner=true, show_promotional_in_card=true}, static_text={see_more=See more, see_less=See less, cta_button_label=Apply Now, cta_button_subtext=, rewards=獎勵, yes=Yes, no=No, day=Day, days=Days}, style={primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=default, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, tabs={show=true, features={show=true, expanded=true, order_sequence=1, heading=Features}, promotions_terms_and_conditions={show=true, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, fees={show=true, expanded=false, order_sequence=1, heading=Fees, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, eligibility={show=true, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}, usage={show=true, expanded=false, order_sequence=1, heading=Usage, labels=[]}}, type=module})
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Frequently Asked Questions
No, Schengen insurance is typically designed to cover medical expenses and emergencies only within the countries of the Schengen Area.
However, Singapore doesn't offer travel insurance for Schengen area, so just buy a regular travel insurance as you would for all the European countries you're visiting.
If you experience a medical issue while in the Schengen Area, seek medical assistance immediately. Contact the local emergency services by dialing the emergency number (usually 112) and inform them of your situation. Contact your travel insurance provider as well, as they can guide you on the next steps and assist with any potential medical expenses.
Yes, you can buy group travel insurance for your partner and children for the Schengen area. Ensure the policy meets Schengen visa requirements, covering at least €30,000 (~S$44,000) in medical expenses. Check policy details and choose a reputable provider. Verify specific requirements with the embassy of the Schengen country you plan to visit.
However, Singapore doesn't offer travel insurance for Schengen area so it'll just be purchasing regular travel insurance for the European countries you're visiting.
If you're applying for a Schengen visa, you are required to buy a Schengen travel insurance policy. However, since Singapore doesn't offer travel insurance for Schengen area, purchasing a regular travel insurance that meets the requirement will do.
Each country may have specific insurance requirements, so you should check the particular country's visa guidelines. For the latest information, consult the official website of the relevant embassy or consulate.
The cost of Schengen travel insurance is simply just travel insurance to Europe. It varies widely based on factors such as the duration of stay, coverage limits, and the insurance provider.
It's recommended to compare quotes from different insurance providers to find a plan that suits your needs and budget.
Generally, Schengen visa application fees are non-refundable, even if the visa is denied. Check the specific consulate or embassy's refund policies for confirmation.