SGD to RMB (CNY): yuan rate and card costs
Convert Singapore dollars to renminbi (RMB, quoted as CNY) and RMB to SGD at the ECB reference rate, with what each card charges for the same yuan spend.
Converter
1 SGD = 5.2173 CNY · CN¥1 = S$0.192
Reference rate as of 23 Oct 2026 (ECB via Frankfurter). Updated once per business day. Not a live trading rate.
Card networks and money changers apply their own rates and margins. The table below estimates what each card charges.
What you’d pay by card for CN¥2,500
Change the amount in the converter above. Each figure is an estimate for a single in-store purchase in CNY.
Ranked by estimated net SGD cost after card FX fee and rewards (miles at 2.0¢). Ties: alphabetical by issuer.
Cards marked [Affiliate] earn SGfi a referral commission if you apply through these links. Ranking is not influenced by this.
Card FX fees and earn rates as published by issuers, verified 23 Oct 2026.
Miles valued at 2.0¢ per mile (SGfi default). Cashback counts at face value.Change
Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
- At reference rate, no feeReference point, not a cardS$479.18CostS$479.18
- ChargedS$494.75Rewards earned1,187 miles ≈ S$23.752.4 mpdNet cost S$471.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earned1,088 miles ≈ S$21.772.2 mpd
Overseas retail purchases, in-store or online
Net cost S$472.98Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earned1,088 miles ≈ S$21.772.2 mpd
Charges converted to SGD at the terminal (DCC) earn the local rate of 1.3 mpd
Net cost S$472.98Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earned1,038 miles ≈ S$20.782.1 mpdNet cost S$473.97Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$495.95Rewards earned991 miles ≈ S$19.842 mpdNet cost S$476.11Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earned593 miles ≈ S$11.871.2 mpd
Separate 18,000-mile voucher for S$10,000 foreign spend; qualifying period ends 31 Oct 2026
Net cost S$482.87Fees · min incomeS$397.85 annual feeMin income not stated3.25% FX fee - ChargedS$494.75Rewards earned593 miles ≈ S$11.871.2 mpd
In-store overseas rate; online spend follows a separate rate and cap
Net cost S$482.87Fees · min incomeS$196.20 annual feeS$80,000 min income3.25% FX fee - ChargedS$494.75Rewards earned593 miles ≈ S$11.871.2 mpd
Overseas dining 2.4 mpd needs S$1,000 of Singapore Airlines spend a year
Net cost S$482.87Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$495.95Rewards earned495 miles ≈ S$9.923 mpdMin spend S$2,000/month (1 mpd below)Below min spend S$2,000
Promotional rate the bank can withdraw; no end date published
Net cost S$486.03Fees · min incomeS$599.50 annual feeS$30,000 min income3.5% FX fee - ChargedS$494.75Rewards earnedS$8.411.7% cashback
Promotional 2% on physical-card contactless payments until 31 Jan 2027 not counted here
Net cost S$486.34Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$7.921.6% cashbackNet cost S$486.83Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earnedS$7.921.6% cashbackNet cost S$486.83Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earnedS$7.422.5% cashbackMin spend over S$2,000/month (1.5% below)Cap S$2,800 spend/month (0% above)Not above min spend S$2,000
2.5% when monthly spend is more than S$2,000; total cashback capped at S$70 per month
Net cost S$487.33Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$495.95Rewards earnedS$7.441.5% cashbackNet cost S$488.51Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$493.55Rewards earnedS$4.942% cashbackMin spend S$2,000/month (1% below)Below min spend S$2,000Net cost S$488.61Fees · min incomeS$0 annual feeS$120,000 min income3% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earned197 miles ≈ S$3.960.4 mpd
4 mpd only at department, clothing, shoe and luggage stores, up to S$1,000 spend per statement month
Net cost S$490.79Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earned197 miles ≈ S$3.960.4 mpd
4 mpd only on contactless or online spend in eligible categories, up to S$1,000 spend per month · Higher tier linked to an HSBC Everyday Global Account balance not modelled
Net cost S$490.79Fees · min incomeS$0 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earned197 miles ≈ S$3.960.4 mpd
4 mpd only if the spend falls in your chosen bonus category, bonus up to S$1,000 spend per month
Net cost S$490.79Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earned197 miles ≈ S$3.964 mpdMin spend S$1,000/month (0.4 mpd below)Cap S$1,200 spend/month (0.4 mpd above)Below min spend S$1,000
Minimum spend counts foreign-currency spend in the statement period
Net cost S$490.79Fees · min incomeS$218 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$493.55Rewards earnedS$0.990.2% cashback
10% only in five bonus categories (e.g. overseas supermarkets) with S$800 monthly spend; capped at S$20 per category, S$100 in total
Net cost S$492.56Fees · min incomeS$0 annual feeS$30,000 min income3% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$1.480.3% cashbackNet cost S$493.26Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earnedS$1.480.3% cashbackSMRT$600 cashback cap per card yearNet cost S$493.26Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$494.75Rewards earnedS$1.483.55% cashbackMin spend S$800/month (0.3% below)Cap S$1,538.46 spend/month (0.3% above)Below min spend S$800
In-store spend only · Extra 3.25% capped at S$50 cashback per month
Net cost S$493.26Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeClosed to new applications
- ChargedS$494.75Rewards earnedS$1.480.3% cashback
5% on dining, shopping and entertainment needs S$600 spend in each month of the quarter; S$250 cashback cap per quarter
Net cost S$493.26Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$1.480.3% cashbackNet cost S$493.26Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$495.95Rewards earnedS$2.481% cashbackMin spend S$1,500/month (0.5% below)Below min spend S$1,500Net cost S$493.47Fees · min incomeS$99.19 annual feeS$30,000 min income3.5% FX fee
- ChargedS$494.75Rewards earnedS$1.240.25% cashback
yuu bonus rates apply to Singapore merchants only
Net cost S$493.51Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$1.240.25% cashback
Overseas dining 5%, groceries and transport 3%, petrol 6% with S$800 monthly spend; S$80 monthly cashback cap (S$160 at S$1,600)
Net cost S$493.51Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$0.990.2% cashback
Dining and groceries 6%, petrol 8% worldwide with S$800+ statement spend; S$80 monthly cashback cap
Net cost S$493.76Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$494.75Rewards earnedS$0.150.03% cashback
Quarterly cashback (S$60 / S$100 / S$200) needs S$600 / S$1,000 / S$2,000 spend and 10 transactions in each month of a quarter; a single month earns no quarterly cashback
Net cost S$494.60Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
These figures are estimates based on the amount and mile value you entered. They are not a quote from any bank or card network, and the SGD that posts to your statement can differ.
- The foreign amount is converted at the ECB reference rate. Card networks (Visa, Mastercard) apply their own daily rates, which can differ from the ECB reference rate.
- FX fees are as published by each issuer as of 23 Oct 2026, applied to the converted amount.
- The purchase is a single in-store transaction, and it is the only foreign-currency spend on the card this month. A minimum-spend threshold is tested against this amount alone.
- Rewards are earned on the SGD charged, including the FX fee, and miles are valued at the cents-per-mile figure you set.
- Rewards are subject to issuer exclusions, caps, merchant category (MCC) rules and promotional periods, which can change or end.
- Other spend on the card in the same month, which can move a card past a minimum spend or into a cap.
- Dynamic currency conversion, cash advances, ATM fees, merchant surcharges and annual-fee waivers.
- Welcome offers and rewards on spend outside this one transaction.
Data last refreshed: reference rate 23 Oct 2026 (ECB via Frankfurter) · card terms 23 Oct 2026 (issuer T&Cs and fee schedules).
Quick conversion table
At the reference rate for 23 Oct 2026, before any card fee or money-changer margin.
| CNY | SGD |
|---|---|
| CN¥1 | S$0.192 |
| CN¥5 | S$0.958 |
| CN¥10 | S$1.92 |
| CN¥20 | S$3.83 |
| CN¥50 | S$9.58 |
| CN¥100 | S$19.17 |
| CN¥200 | S$38.33 |
| CN¥500 | S$95.84 |
| CN¥1,000 | S$191.67 |
| CN¥5,000 | S$958.35 |
| SGD | CNY |
|---|---|
| S$1 | CN¥5.22 |
| S$5 | CN¥26.09 |
| S$10 | CN¥52.17 |
| S$20 | CN¥104.35 |
| S$50 | CN¥260.87 |
| S$100 | CN¥521.73 |
| S$200 | CN¥1,043.46 |
| S$500 | CN¥2,608.65 |
| S$1,000 | CN¥5,217.30 |
| S$5,000 | CN¥26,086.50 |
SGD/CNY over the last 90 days
- 90-day low
- 5.2155
- 15 Oct 2026
- 90-day high
- 5.3094
- 09 Sep 2026
- Average
- 5.2603
- 65 ECB fixes
Paying in renminbi
RMB and CNY refer to the same currency. Renminbi is the currency’s name, the yuan is its unit, and CNY is the three-letter code used on statements and in the ECB data this page draws on (Frankfurter currency list, checked 23 Oct 2026).
Renminbi spending from Singapore is mostly on trips to Shanghai, Beijing and other mainland cities, along with online orders from platforms that bill in CNY.
Payment apps change the mechanics less than they appear to. When a Singapore card is linked to a mobile wallet and used to pay a merchant in China, the charge that reaches the card is still a CNY transaction converted by the card network, so the card’s FX fee applies as the table shows. If the app adds its own fee for foreign cards, that sits on top of the figures here and is not modelled. Issuers also decide how wallet-routed charges are categorised for rewards, so the card’s exclusion list is worth reading if you expect to pay mostly through an app.
If a merchant or payment screen offers to settle in SGD rather than CNY, that is dynamic currency conversion, covered in the box above: the merchant’s conversion replaces the network’s, and an issuer fee for transactions processed overseas may still apply.
Renminbi cash bought in Singapore carries a money changer’s spread, and taking cash from a credit card at an ATM is a cash advance with separate charges under the card’s terms. Neither is part of the card table, which covers card purchases only.
Paying in SGD abroad: dynamic currency conversion
Dynamic currency conversion (DCC) is when a terminal, ATM or checkout page offers to charge you in Singapore dollars instead of the local currency. If you accept, the merchant’s payment provider converts the amount at a rate it sets, with its own margin built in, and the card network’s conversion is skipped.
Paying in CNY instead leaves a single conversion with the card network, followed by your issuer’s published foreign-currency fee. With DCC, the merchant’s margin replaces the network rate, and some issuers still apply a fee to SGD transactions processed outside Singapore, so the total can carry two layers of cost instead of one.
Declining it at a terminal in China:
- When the screen shows two amounts, one in SGD and one in CNY, select the CNY amount.
- If the cashier selects for you, ask for the charge in CNY before you tap or enter your PIN.
- On a printed slip, check that the currency is CNY and that no conversion rate or markup line appears.
- Online, choose the local-currency price where a checkout offers a currency switch.
Common questions
How much is 1 SGD in RMB today?
1 SGD = 5.2173 CNY at the ECB reference rate for 23 Oct 2026, so 1 yuan is about S$0.19. RMB and CNY are the same currency; CNY is its code.
Are RMB, CNY and yuan the same thing?
Yes. Renminbi (RMB) is the name of China’s currency, the yuan is its unit of account, and CNY is the ISO code banks and the ECB use. A price of 100 yuan, RMB 100 and CNY 100 are the same amount.
Is it cheaper to be charged in SGD or CNY by card in China?
Settling in CNY leaves the conversion to the card network, plus the issuer’s published fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Settling in SGD lets the merchant’s provider convert at a rate it chooses, and an issuer fee for overseas-processed SGD charges can still apply. Each quote can be checked against the reference rate here.
Which fees apply when I pay by card in China?
Visa and Mastercard each convert at their own daily rate, which can differ from the ECB reference rate. The issuer adds its foreign-currency fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Paying through a mobile wallet linked to the card does not remove these, and the wallet may add its own fee for foreign cards, which this page does not model.
How has SGD to CNY moved over the last 90 days?
Over the 90 days to 23 Oct 2026, 1 SGD ranged from 5.2155 CNY (15 Oct 2026) to 5.3094 CNY (09 Sep 2026), averaging 5.2603 CNY (ECB via Frankfurter). Past movements are not indicative of future rates.
Related
Rates: ECB euro reference rates via Frankfurter, SGD cross rates derived from EUR fixes. Card terms: issuer T&Cs and fee schedules.