just spent way too long comparing travel credit cards in sg lol. so basically all the premium ones (citi, uob, hsbc, dbs, ocbc) charge 3.25% on overseas transactions + annual fees ranging from $196-$262. sounds good for miles but then you do the math... on a $5k trip that's like $212 in fees. meanwhile youtrip is just sitting there with 0% fx fees and no annual charge. honestly for casual travellers the math doesn't even make sense to get a travel credit card unless you're spending crazy amounts to justify the fees. what do you guys use? am i missing something or is the miles game just not worth it anymore