You are a savvy shopper and like to get rewarded for your purchases. That’s why you’ve chosen some type of credit card that pays you back. You either have a cash back rewards card, an air miles rewards card, or a "rewards" rewards card. An additional perk of certain credit cards is the concierge service. Essentially, this service acts as a personal assistant and handles individual requests, such as booking hotels, making transportation arrangements, and even luggage assistance at the airport.

Concierge services are even known for doing difficult tasks, such as booking a table at a seemly sold-out Michelin-starred restaurant or locating a rare gift for your niece. This is an exclusive but little-used card benefit that may come with your credit, and for free! Here’s our list of the best credit cards with complimentary concierge services.

credit card concierge

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OCBC Voyage Card

The OCBC Voyage Card is a travel rewards card that helps you earn miles for purchases locally and overseas. The complimentary personal concierge service is your one-stop personal assistance that can organize all your travel and lifestyle needs 24 hours a day, 7 days a week. They will inform you of the best local events, secure reservations at the latest restaurants, and even organize medical triage, should you need it. Moreover, they have a comprehensive list of travel itinerary recommendations, special events or gift ideas, and an upper hand at purchasing limited edition items or the latest gadgets.

Now about the card itself. As a cardmember, you will earn 1.6 Voyage Miles for every S$1 spent on local dining, 1.2 Voyage Miles for every S$1 spent on other local retail transactions, and a generous 2.3 Voyage Miles for every $1 spent in foreign currency. Your miles can be spent on any airline, with no blackout dates, and your miles never expire. There is an annual fee of S$488 and a late payment fee of S$100. This card also comes with other benefits such as complimentary premium lounge access, travel insurance, golfing privileges and more.

UOB Visa Infinite Metal Credit Card

The UOB Visa Infinite Metal Credit Card is a premier credit with an iconic metal finish. This card boasts of a high air miles earn rate, complimentary access to airport lounges all over the world, and exclusive privileges at prestigious hotels. This card has a dedicated Travel Converge Manager that is ready to assist you with your travel and dining requests prior to your trip. This means privileged dining experiences at Michelin-starred restaurants.

Now about the card itself. As a card member, you will earn 2 miles for every S$1 spent overseas and 1.4 miles for every S$1 spent locally. The current welcome offer is 25,000 welcome miles worth UNI$12,500 for paying your first annual fee of S$642 and after your first transaction.

Citi Prestige Card

The Citi Prestige Card is a premium card with hard to match travel privileges, including access to a global concierge that speaks a wealth of languages. This team of experts is available 24 hours a day and 7 days a week. As an added bonus, this card also comes with airport limousine transfers, golf privileges, personal protection coverage up to S$1,000,000 and travel insurance.

Now about the card itself. As a cardholder, you earn 5 Citi ThankYou Points (or 2 miles) for every S$1 spent overseas and 3.25 Citi ThankYou Points (or 1.3 miles) for every S$1 spent locally. If you already bank with Citibank, you can earn up to 30% additional Citi ThankYou Points. The current welcome offer is 62,500 Citi ThankYou Points (or 25,000 miles) if you pay the first year’s annual fee of S$535. For renewing your annual fee, you also get 62,500 Citi ThankYou Points.

Standard Chartered Visa Infinite Card

The Standard Chartered Visa Infinite Card was specially designed to grant the user privileged access to certain luxuries, such as VIP lounge access, exclusive dining offers, and even a complimentary 4-hour yacht hire if you spend S$75,000 in 2019. Their concierge service is available 24 hours. They provide travel assistance from planning to booking and step in if you lose your card.

Now about the card itself. This travel card is a solid air miles earner with 3 miles for every S$1 spent overseas and 1.4 miles for every S$1 spent locally. The catch is that they want you to use your card. The monthly charge minimum is S$2,000, or your point earn rate drops to 2.5 points overseas and 1 point locally. The annual fee is S$588.50 and is strictly non-waivable. It also has a late payment charge of S$80 and the interest rate on your card will increase to 28% per annum if the minimum payment due is not received by the due date.

CIMB Visa Infinite Card

The CIMB Visa Infinite Card features 2% cash back for travel booking before your trip and overseas spending during your trip. You also get 1% cash back on everything else. They boast about a complimentary Dragon Pass membership account and Visa Infinite Concierge service. The Dragon Pass membership grants you access to over 1,000 airport lounges all over the world and 3 complimentary lounge visits annual. You can also get up to 50% off selected dining outlets in airports globally. The Visa Concierge service is always at your side through a convenient phone call or email. What’s more is that you can download the VisaConcierge app on your phone and also enjoy the same services.

Now the nitty gritty details. There are no annual fees for both the principal and supplementary cardmembers! However, there is a S$100 late payment fee and an early termination fee of 3% of the outstanding principal amount or S$250, whichever is higher. There is a minimum spending amount of S$2,000 on every statement to receive the cash back rewards.

Final Thoughts

Although these perks are advertised as complimentary, some cards have annual fees. At times, the rewards, such as air miles or cash back, outweigh the costs. Furthermore, some cards also offer additional benefits, such as access to airport lounges, travel insurance, and special dining discounts.

It is also worth noting, that if you use the concierge service to locate or purchase something, such as a gift, they may not always find exactly what you are looking for or the item tends to be more expensive than what you could probably have found on your own. You are essentially relying on others to perform tasks that you can do yourself. As a result, you may not always get the best deal financially. These services can save you time, but you give up some control over the process.

Concierge services are best for people where time is precious, such as an overwhelmed traveler or a business person. Consumers who have time and are specific in what they are looking for may not be completely satisfied with this service. However, in my opinion, if my card rewards me for flight purchase, allows me to relax at an exclusive airport lounge before my flight, protects me while I am traveling, and makes all my travel arrangements for free, then sign me up!