Best Singapore Credit Cards For Agoda Promotions (2025)

For anyone who’s a travel junkie, we’re probably all familiar with the biggest online travel agent (OTA) platforms in Singapore. These make the whole “planning” part of a trip so much more bearable, mainly because you can just go to one place to sort out both your flights and your accommodation.

Anything that saves us time when trip planning no doubt gets a big heart emoji from us. One of the largest OTA platforms in Singapore is none other than Agoda. The platform is great because it really helps you plan ahead of time while also nabbing great deals.

One of the best parts about Agoda is the frequent promotions that the service runs, particularly for credit card users. So, if you need to pay online for your travel spend, you may as well earn miles/cashback on your credit card spend plus take advantage of any extra goodies that Agoda is offering.

But what credit cards should those of us in Singapore be considering when we book our overseas trips on Agoda?

 

Key features to look for in a travel credit card

Which credit card you use when you’re paying for your travel costs is always a dilemma. Do you value the cashback in your pocket or do you place a higher premium on earning air miles?

Or do you actually want a discount on your booking? Perhaps a special combo in terms of hotel + flight deals?

Whatever it is that you do value, Agoda normally has a promotion running with some of Singapore’s largest card issuers. That means you’ll never miss out on a good deal with Agoda using a credit card in Singapore. 

Personally, I value air miles as that could help offset the future costs of any trips and then you could use Agoda primarily for booking your accommodation needs. However, you can also get your money to work harder for you by getting a discount off your Agoda booking and still earn miles, given the ongoing promotions. 

 

1. OCBC 90°N Card

The OCBC 90°N card (available in Visa and Mastercard flavors) makes a strong case for being your go-to travel companion, especially if you’re an Agoda regular.

Normally, the OCBC 90°N card earns 1.3 miles per S$1 on local spend and 2.1 miles per S$1 on foreign currency (FCY) transactions. Not bad, right? But with the Agoda Yearlong Promotion, those numbers get supercharged.

When you book your stays through this link, you’ll rack up:

• A bonus 4.7 miles per S$1 on local spend, for a grand total of 6 miles per S$1.
• A bonus 4.9 miles per S$1 on FCY spend, taking you to 7 miles per S$1.

That’s right—this card gives your travel budget a workout while keeping your miles balance in great shape.

Important Dates to Note:

• Booking Period: Now until 30 Nov 2025
• Stay Period: Now until 31 Dec 2025

A heads-up: this promotion only applies to hotel and accommodation bookings. The cool part? The total amount you’re charged (yes, including pesky local taxes and service fees) is what earns you miles.

 

2. HSBC Credit Cards

If you’re an HSBC credit cardholder in Singapore, here’s a way to save on your next getaway. By booking your Agoda hotel or accommodation through this link and paying with your HSBC credit card, you can enjoy a 15% discount on your room charges. The discount is capped at S$40 per transaction, so it’s worth planning ahead to make the most of it.

A few things to keep in mind: the discount applies only to room charges, so it won’t cover local taxes, service fees, or other extras. To qualify, make sure the hotel you choose displays the “Promo Eligible” label, and enter your HSBC credit card details at checkout.

Booking periods:
8 to 31 Jan 2025
1 to 28 Feb 2025
1 to 30 Apr 2025
1 to 31 May 2025
1 to 30 Jun 2025
1 to 31 Jul 2025
1 Sep to 31 Oct 2025
1 Nov to 31 Dec 2025

Stay period:
8 January 2025 to 30 June 2026

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ALSO READ: Best Credit Card Promotions in Singapore (Jan 2025): Citibank, DBS, HSBC, UOB, and More

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3. Citi PremierMiles Card

For those navigating the air miles game, the Citi PremierMiles Visa/Mastercard is a solid choice for general spending. Now, Citi PremierMiles cardholders have even more reason to celebrate, thanks to a year-round partnership with Agoda offering bonus miles for hotel bookings.

By booking through this link and paying with your Citi PremierMiles card, you can earn an additional 5 bonus miles per S$1 spent on Agoda bookings.

Here’s how it adds up:

• The base earning rate on the Citi PremierMiles card is 1.2 miles per S$1 for local spend and 2.2 miles per S$1 for foreign currency (FCY) spend.
• With the bonus, that’s 6.2 miles per S$1 for local transactions and 7.2 miles per S$1 for FCY transactions when you book hotels through Agoda.

Important Dates:

• Booking Period: Now until 31 Dec 2025
• Stay Period: Now until 30 Apr 2026

 

4. UOB PRVI Miles Card

The UOB PRVI Miles card, available in Visa, Mastercard, and American Express, is widely recognised as one of Singapore’s top cards for miles-earning on general spending. It also offers a compelling perk for travelers booking hotels on Agoda.

By using your UOB PRVI Miles card to book through this link, you can earn 6 miles per S$1 spent for both local and foreign currency (FCY) transactions. Even better, if you’re booking and paying in Indonesian Rupiah (IDR), Malaysian Ringgit (MYR), Thai Baht (THB), or Vietnamese Dong (VND), the earn rate increases to 6.6 miles per S$1.

Important Dates:

• Booking Period: 9 Oct 2024 – 31 Jan 2025
• Stay Period: 9 Oct 2024 – 30 Jun 2025

 

Comparison of benefits

So, how do these cards stack up against each other in terms of their benefits? Let’s check it out. 

Bank/card	Agoda deal	Book by	Stay by	Applicable to
OCBC 90°N	6 Miles per S$1 of local spend 7 Miles per S$1 of FCY spend	30 Nov 2025	31 Dec 2025	Total hotel charge, including taxes/fees
HSBC Cards	15% discount (capped at $40)	31 Dec 2025 (take note of ineligible dates)	30 Jun 2026	Room charges only, excluding taxes/fees
Citi PremierMiles	6.2 Miles per S$1 of local spend 7.2 Miles per S$1 of FCY spend	31 Dec 2025	30 Apr 2026	Total hotel charge, including taxes/fees
UOB PRVI Miles	6 Miles per S$1 of local/FCY spend 6.6 Miles per S$1 of spend in IDR, MYR, THB, VND	31 Jan 2025	30 Jun 2025	Total hotel charge, including taxes/fees

How to maximise your Agoda credit card deals

As we move into the new year, it’s the perfect time to start planning your getaways—and there’s no better way to save than by using your credit card for bookings on OTAs like Agoda. When you do, you get to “double dip” by earning your regular miles and enjoying additional bonus miles or discounts, depending on your card and the promotion. Many banks in Singapore partner with Agoda to offer these deals, so you can make the most of your travel budget.

Agoda also runs its own promotions, giving you the chance to “triple dip” by stacking their site-wide deals with your cardholder benefits. Be sure to check out their Deals page to find offers that suit your travel plans.

Need help planning your time off? Check out our post on the 2025 public holidays and long weekends—perfect for squeezing in that much-needed vacation. 

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About the author

Tim Phillips has spent over 15 years in the finance industry as an investment communications specialist with the likes of Schroders, The Motley Fool, and CGS International. He’s passionate about helping people take control of their finances by building wealth through long-term investing and thinking more coherently on all things “money”. He loves breaking down complex financial topics into content that’s informative and, most importantly, engaging.

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