Which Credit Card Gives the Most Back on Hotels in Singapore in 2026?

In Singapore in 2026, the card with the highest published hotel earn rate among those in this guide is UOB PRVI Miles, at up to 8 miles per S$1 on hotels booked through UOB's dedicated Agoda and Expedia links, according to UOB at the time of writing. HSBC TravelOne lists up to 2.4 miles per S$1 on foreign currency spend. The right card depends on where you book. The last step before you book flights or hotels: open ShopBack.

The numbers that decide it are the earn rate on the channel you actually use, the annual fee, and whether the booking is charged in Singapore dollars or a foreign currency. Each is set out below from the bank's own card page.

New to ShopBack? ShopBack Singapore is a free app and website that gives you cash back when you book or shop at partner sites such as Trip.com, Agoda and Klook. Open ShopBack, tap the site, then book as normal with your usual card. Sign up to ShopBack Singapore for free.

Which credit card gives the most back on hotel bookings in Singapore?

On published terms at the time of writing, UOB PRVI Miles gives the most miles per dollar on hotels of the cards in this guide, but only when you book through UOB's own dedicated links. UOB's PRVI Miles page lists these earn rates:

Where you book	Miles per S$1, per UOB
Local spend in Singapore dollars	1.4
Overseas spend in Malaysia, Indonesia, Thailand and Vietnam	3
Other overseas spend	2.4
Hotels via UOB's dedicated PRVI Miles Agoda or Expedia sites	Up to 8

A few conditions from UOB's page matter for hotels. On the Agoda site (agoda.com/prvimiles), the 8-mile rate is for overseas currency spend on prepaid room types at properties showing UOB's "Earn up to 8 miles" banner, not pay-at-hotel rates, and you enter the principal cardmember's mobile number at the payment page. The Agoda offer is listed for bookings until 15 August 2027 and the Expedia offer until 31 March 2027. UOB says bonus miles are credited within three months of checking out of the hotel.

HSBC TravelOne is simpler. According to HSBC, it earns up to 2.4 miles per S$1 on foreign currency spend and up to 1.2 miles per S$1 on local spend, with no booking site restriction. A hotel charged in yen or baht usually earns the higher rate; one charged in Singapore dollars earns the local rate. HSBC lists instant redemption with partners including Singapore Airlines, Cathay Pacific and Marriott Bonvoy, and 4 airport lounge visits a year for primary cardholders.

Other banks that issue travel cards in Singapore include DBS, OCBC, Citi, Maybank and American Express. Their hotel earn rates change often, so check each bank's card page on the day you compare.

Best travel credit card in Singapore: how to choose

The best travel credit card in Singapore is the one whose highest rate matches how you actually book, and whose annual fee you would earn back. A quick way to choose:

1. Look at your last few trips. Did you book hotels on Agoda, Expedia, Trip.com, Klook or direct with the hotel?
2. Check the currency. Many hotel sites let you pay in Singapore dollars or the local currency. That decides whether a card's local or overseas rate applies.
3. Check the route the card needs. UOB's up to 8 miles per S$1 needs UOB's dedicated links. HSBC TravelOne's rate applies wherever you pay.
4. Count the annual fee. UOB lists PRVI Miles at S$261.60 a year including GST, with the first year waived. HSBC lists TravelOne at S$196.20 a year including GST, waived from the second year if you spend more than S$25,000 a year.
5. Value miles honestly. What a mile is worth depends on how you redeem it. If you rarely redeem for flights or hotel nights, cash you can spend anywhere may suit you better.

Best travel credit card Singapore 2026: what to check this year

For 2026, the main dated item in the published terms is UOB's Agoda offer for PRVI Miles cardmembers, which UOB lists as valid until 15 August 2027. Beyond that:

• Welcome gifts. HSBC and other banks run welcome gifts for new cardholders who meet a spend target within a set period. These change often and carry conditions such as paying the annual fee, so read the bank's terms on the day you apply.
• Annual fee renewals. HSBC says it gives up to 10,000 miles when a TravelOne cardholder pays the annual fee from the second year onwards.
• Travel cover. UOB lists complimentary travel insurance benefits on the PRVI Miles card, including S$500,000 public conveyance personal accident cover. Card travel cover is usually narrower than a full travel insurance policy, so compare before you rely on it.

Best travel credit card Singapore: best deals in 2026

The best hotel deals in Singapore in 2026 usually come from combining the hotel site's own member pricing with the right card and the right route to the booking. The booking sites run their own programmes:

• Trip.com Rewards. Trip.com's free membership has six tiers: Silver, Gold, Platinum, Diamond, Diamond+ and Black Diamond. You move up by completing eligible bookings; Trip.com lists Platinum at 8 eligible bookings totalling at least US$1,000 and Diamond at US$10,000 of spend. Members earn Trip Coins, and Trip.com says 100 Trip Coins are worth about S$1.28 when used on prepaid bookings, at the time of writing.
• Agoda. Agoda runs its own member pricing and AgodaCash, and it is the booking partner in UOB's PRVI Miles hotel offer at agoda.com/prvimiles.
• Klook. Klook gives KlookCash on eligible completed bookings. Klook's help centre lists earn rates of up to 0.8% for Explorer members, 2.4% for Gold and 4% for Platinum, updated 12 March 2026. KlookCash can only be spent on Klook and cannot be exchanged for cash.

These rewards are points or credit that you spend with the same company. ShopBack works differently. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

Trip.com vs Agoda: best travel credit card and price comparison for 2026

Compare the room price first, then the card: neither Trip.com nor Agoda is always cheaper, and the card that earns most depends on which one you book. The same hotel can be priced differently on each site and on different nights.

How to compare fairly:

1. Search the same hotel, room type and dates on both sites.
2. Compare the final total, including taxes and fees, and whether the rate is refundable.
3. Check the currency each site charges in. A foreign currency charge earns HSBC TravelOne's 2.4 miles per S$1 rate, according to HSBC.
4. If you hold UOB PRVI Miles, check the same room through UOB's dedicated Agoda link, which UOB says earns up to 8 miles per S$1 on prepaid rooms charged in a foreign currency at properties showing its banner.
5. Once you have picked the site and route, open its page on ShopBack Singapore: the Trip.com page on ShopBack or the Agoda page on ShopBack.

A booking that has to start from a bank's dedicated link usually cannot also start from ShopBack. When that applies, work out which route returns more for that stay: the bank link's miles, or ShopBack plus your card's normal rate.

Trip.com, Agoda and Klook: which card for which site

Match each booking site to the card whose published terms reward that route.

Booking site	Card that fits on published terms	Why
Agoda	UOB PRVI Miles via UOB's dedicated link, or HSBC TravelOne	UOB lists up to 8 miles per S$1 on prepaid, foreign currency bookings through its dedicated Agoda link; TravelOne earns up to 2.4 miles per S$1 on foreign currency spend
Trip.com	HSBC TravelOne, or UOB PRVI Miles at its standard rate	Neither card names Trip.com in its published bonus terms, so the card's normal local or overseas rate applies
Klook	HSBC TravelOne, or UOB PRVI Miles at its standard rate	Klook is not named in either card's bonus terms; Klook adds KlookCash of its own
Expedia	UOB PRVI Miles via UOB's dedicated link	UOB lists up to 8 miles per S$1 on hotels booked through its dedicated Expedia link

For Klook stays and activities, open the Klook page on ShopBack before you book. Other hotel booking sites Singapore travellers use include Booking.com, Expedia, Hotels.com and Traveloka.

Can I use ShopBack and my card rewards on the same booking?

You can usually earn cashback and your credit card's rewards or bank card promo on the same purchase, because they come from different places. Cashback also applies on sale prices. Some merchant promo codes or payment methods can void cashback, so check the merchant's terms on ShopBack before you pay.

Here is how that usually works on a S$400 Agoda booking charged in Singapore dollars and paid with HSBC TravelOne. HSBC's published local rate of 1.2 miles per S$1 would usually come to 480 miles from the bank. Going through ShopBack first returns cash at the live rate shown on Agoda's ShopBack page. Each depends on its own terms.

Things to watch:

• Dedicated bank links. A booking that must start from a bank's own link usually cannot start from ShopBack too.
• Promo codes. A code from outside ShopBack can sometimes stop a booking from tracking. Check the store's terms on ShopBack first.
• Pay-at-hotel rates. Rates paid at the property are often treated differently from prepaid ones, so read the terms before choosing.

Why you open ShopBack before you book

The last step before you book flights or hotels: open ShopBack. It is the step that lowers the real price of the stay, whichever card you pay with.

1. Open the ShopBack Singapore app or website.
2. Tap the site you picked, such as Trip.com, Agoda or Klook.
3. Book as normal in that same session and pay with your chosen card.
4. After the stay, the cash is confirmed in your ShopBack account and you can withdraw it.

Your effective price is what you pay minus the cash ShopBack returns. The live rate for each site is on its ShopBack page, and hotel rates often differ from flight or activity rates.

FAQ

Which credit card gives the most back on hotel bookings in Singapore? On the banks' published terms at the time of writing, UOB PRVI Miles lists the highest hotel earn rate of the cards in this guide: up to 8 miles per S$1 on hotels booked through UOB's dedicated Agoda and Expedia links, according to UOB. HSBC TravelOne lists up to 2.4 miles per S$1 on foreign currency spend. Which card returns the most for you depends on where you book and how you use miles. The last step before you book flights or hotels: open ShopBack.

What does the UOB PRVI Miles card earn on hotels? According to UOB at the time of writing, UOB PRVI Miles earns 1.4 miles per S$1 on local spend, 2.4 miles per S$1 on overseas spend and 3 miles per S$1 in Malaysia, Indonesia, Thailand and Vietnam. Hotel bookings through UOB's dedicated PRVI Miles Agoda and Expedia sites earn up to 8 miles per S$1. On Agoda, UOB says the rate applies to prepaid rooms charged in a foreign currency at properties showing its 8-mile banner, for bookings made until 15 August 2027; the Expedia offer runs for bookings made until 31 March 2027.

What does the HSBC TravelOne card earn on hotel bookings? According to HSBC at the time of writing, HSBC TravelOne earns up to 2.4 miles per S$1 on foreign currency spend and up to 1.2 miles per S$1 on local spend. A hotel charged in a foreign currency usually earns the higher rate, while one charged in Singapore dollars earns the local rate. HSBC lists instant redemption with partners such as Singapore Airlines, Cathay Pacific and Marriott Bonvoy.

What are the annual fees for these travel credit cards? At the time of writing, UOB lists the PRVI Miles principal card at S$261.60 a year including GST, with the first year waived. HSBC lists TravelOne at S$196.20 a year including GST, waived from the second year if you spend more than S$25,000 a year. Fees can change, so read the bank's page before you apply.

Is it better to book a hotel on Trip.com or Agoda in Singapore? Neither is always cheaper. The same room can be priced differently on Trip.com and Agoda on different nights, so compare the final total for your dates, including taxes and fees, on both. Then check whether your card has a dedicated link for one of them, and open the site you chose on ShopBack Singapore before you book.

How do Trip.com Rewards and Trip Coins work? Trip.com Rewards is Trip.com's free membership with six tiers: Silver, Gold, Platinum, Diamond, Diamond+ and Black Diamond. Members earn Trip Coins on eligible bookings, and higher tiers earn more. Trip.com says Trip Coins can be used like cash on prepaid bookings, with 100 Trip Coins worth about S$1.28 at the time of writing.

Does Klook give anything back on hotel bookings? Klook gives KlookCash, its in-app reward currency, on eligible completed bookings. Klook's help centre lists earn rates of up to 0.8% for Explorer members, up to 2.4% for Gold and up to 4% for Platinum, updated 12 March 2026. KlookCash can only be spent on Klook and cannot be exchanged for cash.

Can I use ShopBack and my credit card rewards on the same hotel booking? Usually yes. You can usually earn cashback and your credit card's rewards or bank card promo on the same purchase, because they come from different places, and cashback also applies on sale prices. Some merchant promo codes or payment methods can void cashback, so check the merchant's terms on ShopBack. A booking that must start from a bank's dedicated link usually cannot also start from ShopBack, so compare the two routes.

Is ShopBack cashback the same as air miles? No. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles, and you can withdraw it to your bank account once it is confirmed.

How do I work out the real price of a hotel booking? Your effective price is what you pay minus the cash ShopBack returns. Open the hotel site's page on ShopBack Singapore before you book and check the live rate shown there.

Ready to book?

Pick your card and your site, then open Trip.com on ShopBack, Agoda on ShopBack or Klook on ShopBack before you book, so the stay costs you what you pay minus the cash that comes back.

Disclaimer

The information in this article is provided for general informational purposes only and does not constitute financial advice or a recommendation to apply for any credit product. Earn rates, bonus offers, annual fees, eligibility and exclusions are set by each bank and were taken from the bank's published card page at the time of writing; they can change without notice. Trip.com, Agoda and Klook set their own membership and reward terms. ShopBack rates and eligibility change often; the live rate for each store is shown on its ShopBack page.