No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.
Does the POSB Everyday Card come with travel insurance in 2026?
POSB·$0/year·Mastercard
0,0/5Independent review · verified October 2026
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0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the POSB Everyday Card
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The POSB Everyday Card is a rebate card built for everyday bills, groceries and petrol, and it carries no complimentary travel insurance. DBS and POSB ended their complimentary travel cover programme on 1 November 2025, so even the cards that once bundled it no longer do. If you fall seriously ill overseas, a hospital admission in the US or Europe can pass S$100,000, and the card pays nothing toward it. MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, so that bill lands entirely on you. There is no trip cancellation, no baggage cover and no medical evacuation from the card either. A standalone Singapore travel policy fills the gap from about S$20 for a single trip, covering overseas medical, cancellation and lost bags. Treat the Everyday Card as a spending card, and buy travel cover separately before you fly.
Where travel breaks down
- The POSB Everyday Card is a cashback card and carries no complimentary travel insurance of any kind
- DBS and POSB ended their complimentary travel cover programme on 1 November 2025, so there is nothing to fall back on
- No overseas medical, no trip cancellation and no baggage cover means a standalone travel policy is needed before you fly
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does POSB Everyday Card Travel Insurance actually cover?
What's not covered
- Personal accident is not a benefit of this card
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.
What's not covered
- Overseas medical treatment is not a benefit of this card
- Pre-existing conditions and pregnancy excluded
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
What's not covered
- Emergency medical evacuation is not a benefit of this card
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay is not a benefit of this card
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
What's not covered
- Missed connection is not a benefit of this card
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Baggage loss is not a benefit of this card
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
What's not covered
- Baggage delay is not a benefit of this card
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the POSB Everyday Card wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Everyday CardThis card0.0/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the POSB Everyday Card stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Everyday Card shoppers also consider.
| Card | This card Everyday Card POSB · $0/yr 0.0/5? | Visa Infinite CIMB · $0/yr 2.0/5? | Centurion American Express · $7,500/yr 4.2/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$1,000 Trip cancellation | S$20,000 S$20,000 prepaid costs | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | S$25,000 Overseas medical | Chubb arranges and pays No stated medical sub-limit | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$100,000 Evacuation & repatriation | Arranged and paid by Chubb Evacuation + repatriation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / S$500 Flight delay 6h | 4h / up to S$900 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the POSB Everyday Card
Cardholder experience with the card 4 reviews
D(
Don (Seedly)
Applied it to tag to my DBS Multiplier account
I applied this card just to tag to the DBS multiplier account. There's no minimum spending too.
LB
Lim Boon Tat (Seedly)
Useful when your category spend is high
Very useful especially if your spend is high in the categories where's there's points, for example, petrol at SPC.
KA
KI AT (Seedly)
One of the better entry-level cashback cards
One of better cashback cards out there with rebates for groceries and bills. Worth considering this card for entry level.
BC
Bryan Chua (Seedly)
The cashback is capped
Understand that the cash back is capped, but I'm not spending THAT much now, so doesn't bother me.
Emergency · Card assistance line
How to contact POSB Everyday Card assistance?
This card carries no complimentary travel insurance, so there is no underwriter or 24-hour assistance hotline attached to it. For medical, cancellation and baggage cover overseas, buy a standalone Singapore travel policy and keep its emergency assistance number with you while you travel.
What to do if you need travel cover with the POSB Everyday Card
1
Step 1: Buy a standalone travel policy before you fly
Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.
2
Step 2: Keep your policy and emergency number with you
Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.
3
Step 3: Escalate to FIDReC for a card-issuer dispute
For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.
FAQ
What people ask about the POSB Everyday Card
- No. The POSB Everyday Card is a cashback card for groceries, bills and petrol, and it does not come with any complimentary travel insurance. Holding it or charging your air fare to it buys you nothing in the way of overseas medical, trip cancellation, delay or baggage cover. On top of that, DBS and POSB ended their complimentary travel insurance programme on 1 November 2025, so no DBS or POSB card fills the gap either. If you booked a trip expecting card cover, you are travelling uninsured unless you arrange a standalone policy. A single-trip Singapore travel plan starts at about S$20 and covers the medical and cancellation costs the card leaves out.
- Some did, but that has ended. DBS and POSB ran a complimentary travel insurance programme on selected cards, and it closed on 1 November 2025. Even before that date, the POSB Everyday Card itself was a rebate card and was not one of the travel cards that carried the cover. So there is no old certificate to fall back on and nothing to reactivate by charging your flights to the card. This was a market-wide change from DBS and POSB, not a clause hidden in the terms. If you want travel protection now, it has to come from a standalone policy.
- None. The POSB Everyday Card carries no complimentary travel insurance of any kind. There is no overseas emergency medical benefit, no medical evacuation, no trip cancellation, no travel delay, no baggage cover and no personal accident sum. The card's value sits in its everyday cash rebates on groceries, food, petrol and bills, not in insurance. If you want your flights, hotels and health protected on a trip, that has to come from a separate travel insurance policy. Reading the card as a source of travel cover will leave you exposed the moment something goes wrong overseas.
- Yes. Because the POSB Everyday Card includes no complimentary travel cover, a standalone travel insurance policy is the only way to protect a trip. The gap is real: MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, and a serious hospital admission in the US or Europe can pass S$100,000, none of which the card pays. A standalone Singapore policy starts at around S$20 for a single trip and typically covers overseas medical, emergency evacuation, trip cancellation, delays and lost baggage, and most plans include COVID-19 medical cover too. Buy the policy before you fly, since cover for a trip already under way is limited or unavailable.
- No. The POSB Everyday Card does not cover COVID-19 overseas, because it carries no complimentary travel insurance at all. If you catch COVID-19 abroad and need a doctor, a hospital stay or an earlier flight home, the card pays nothing toward any of it. For that protection you need a standalone travel insurance policy, and most Singapore travel plans now include COVID-19 medical treatment and sometimes trip cancellation if you test positive before departure. Check the specific plan wording, since COVID-19 terms vary between insurers. Arrange the policy before you leave rather than after symptoms appear.
- No. The POSB Everyday Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship smartphone out of pocket runs about S$1,200 to S$2,300. Mobile phone cover is uncommon on Singapore credit cards and is usually tied to specific premium cards or telco plans, not to a rebate card like this one. For device protection you would need a separate gadget or mobile insurance policy. Do not count on the Everyday Card for anything beyond its cash rebates.
- Not on its own. The POSB Everyday Card is useful for earning cash rebates on the groceries, petrol and bills you charge to it, but it gives no travel insurance, so it does not make you ready for a trip by itself. If you fall ill, get injured, have to cancel, or lose your luggage, the card offers nothing toward the cost. Pair it with a standalone travel insurance policy and the picture changes: the card earns the rebates, and the policy covers the overseas medical, cancellation and baggage risks from about S$20 a trip. Used that way the Everyday Card is a solid everyday spending card, just not a substitute for travel cover.
Not just POSB
Other cards worth considering
Everyday Card is a strong choice — but depending on what you prioritize, one of these may suit you better.
Centurion
American Express
Platinum Charge
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ULTIMA
Citibank
Prestige
Citibank