SGD to IDR: rupiah rate and card costs
Convert Singapore dollars to Indonesian rupiah, or IDR to SGD, at the ECB reference rate, and see what a rupiah bill costs on each card once fees and rewards are counted.
Converter
1 SGD = 14,164 IDR · Rp10,000 = S$0.706
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 Rp7,000,000
Change the amount in the converter above. Each figure is an estimate for a single in-store purchase in IDR.
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$494.21CostS$494.21
- ChargedS$510.27Rewards earned1,224 miles ≈ S$24.492.4 mpdNet cost S$485.78Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earned1,122 miles ≈ S$22.452.2 mpd
Overseas retail purchases, in-store or online
Net cost S$487.82Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earned1,122 miles ≈ S$22.452.2 mpd
Charges converted to SGD at the terminal (DCC) earn the local rate of 1.3 mpd
Net cost S$487.82Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earned1,071 miles ≈ S$21.432.1 mpdNet cost S$488.84Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$511.51Rewards earned1,023 miles ≈ S$20.462 mpdNet cost S$491.05Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earned612 miles ≈ S$12.251.2 mpd
Separate 18,000-mile voucher for S$10,000 foreign spend; qualifying period ends 31 Oct 2026
Net cost S$498.03Fees · min incomeS$397.85 annual feeMin income not stated3.25% FX fee - ChargedS$510.27Rewards earned612 miles ≈ S$12.251.2 mpd
In-store overseas rate; online spend follows a separate rate and cap
Net cost S$498.03Fees · min incomeS$196.20 annual feeS$80,000 min income3.25% FX fee - ChargedS$510.27Rewards earned612 miles ≈ S$12.251.2 mpd
Overseas dining 2.4 mpd needs S$1,000 of Singapore Airlines spend a year
Net cost S$498.03Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$511.51Rewards earned511 miles ≈ S$10.233 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$501.28Fees · min incomeS$599.50 annual feeS$30,000 min income3.5% FX fee - ChargedS$510.27Rewards earnedS$8.671.7% cashback
Promotional 2% on physical-card contactless payments until 31 Jan 2027 not counted here
Net cost S$501.60Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earnedS$8.161.6% cashbackNet cost S$502.11Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earnedS$8.161.6% cashbackNet cost S$502.11Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earnedS$7.652.5% 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$502.62Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$511.51Rewards earnedS$7.671.5% cashbackNet cost S$503.84Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$509.04Rewards earnedS$5.092% cashbackMin spend S$2,000/month (1% below)Below min spend S$2,000Net cost S$503.95Fees · min incomeS$0 annual feeS$120,000 min income3% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earned204 miles ≈ S$4.080.4 mpd
4 mpd only at department, clothing, shoe and luggage stores, up to S$1,000 spend per statement month
Net cost S$506.19Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earned204 miles ≈ S$4.080.4 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$506.19Fees · min incomeS$0 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earned204 miles ≈ S$4.080.4 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$506.19Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earned204 miles ≈ S$4.084 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$506.19Fees · min incomeS$218 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$509.04Rewards earnedS$1.020.2% 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$508.02Fees · min incomeS$0 annual feeS$30,000 min income3% FX feeApply[Affiliate] - ChargedS$510.27Rewards earnedS$1.530.3% cashbackNet cost S$508.74Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earnedS$1.530.3% cashbackSMRT$600 cashback cap per card yearNet cost S$508.74Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$510.27Rewards earnedS$1.533.55% 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$508.74Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeClosed to new applications
- ChargedS$510.27Rewards earnedS$1.530.3% 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$508.74Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earnedS$1.530.3% cashbackNet cost S$508.74Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$511.51Rewards earnedS$2.561% cashbackMin spend S$1,500/month (0.5% below)Below min spend S$1,500Net cost S$508.95Fees · min incomeS$99.19 annual feeS$30,000 min income3.5% FX fee
- ChargedS$510.27Rewards earnedS$1.280.25% cashback
yuu bonus rates apply to Singapore merchants only
Net cost S$509.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earnedS$1.280.25% 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$509.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards earnedS$1.020.2% cashback
Dining and groceries 6%, petrol 8% worldwide with S$800+ statement spend; S$80 monthly cashback cap
Net cost S$509.25Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$510.27Rewards 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$510.12Fees · 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.
| IDR | SGD |
|---|---|
| Rp1 | S$0.0000706 |
| Rp10 | S$0.000706 |
| Rp100 | S$0.00706 |
| Rp1,000 | S$0.0706 |
| Rp10,000 | S$0.706 |
| Rp100,000 | S$7.06 |
| SGD | IDR |
|---|---|
| S$1 | Rp14,164 |
| S$10 | Rp141,640 |
| S$100 | Rp1,416,400 |
| S$1,000 | Rp14,164,000 |
| S$10,000 | Rp141,640,000 |
| S$100,000 | Rp1,416,400,000 |
SGD/IDR over the last 90 days
- 90-day low
- 13,833
- 09 Sep 2026
- 90-day high
- 14,164
- 23 Oct 2026
- Average
- 13,974
- 65 ECB fixes
Rupiah amounts and Bali spending
Rupiah prices run into the hundreds of thousands and the millions, so the main hazard is not the exchange rate but the number of zeros. A villa quote of Rp7,000,000 and one of Rp700,000 differ by a factor of ten, and a missing zero is easy to overlook on a phone screen. The converter above takes a full quote such as Rp7,000,000 as typed, so a price can be checked without counting zeros.
Singapore travellers spend rupiah mostly in Bali and Jakarta, and the two can look different on a statement. Bali spending often clusters around villas, resorts, tours and drivers, with a few large charges and many small cash payments. Jakarta trips lean more towards hotel and dining bills.
Large accommodation bills are where the card table is most useful. A single villa payment can clear a monthly minimum spend on its own, and it can also exceed a monthly cap; the note in each row shows which applies at your amount. Booking sites that let you choose between paying in SGD and paying in IDR are offering a conversion choice: paying in IDR leaves the conversion to the card network, while paying in SGD hands it to the site at a rate it sets.
Where a smaller merchant adds a surcharge for paying by card, the surcharge is part of the rupiah amount and is converted with it, so enter the total including the surcharge. Rupiah cash from a Singapore money changer is priced through the changer’s spread, and a credit-card ATM withdrawal in Indonesia is a cash advance with its own charges under the card’s terms. Both sit outside this table.
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 IDR 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 Indonesia:
- When the screen shows two amounts, one in SGD and one in IDR, select the IDR amount.
- If the cashier selects for you, ask for the charge in IDR before you tap or enter your PIN.
- On a printed slip, check that the currency is IDR 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 IDR today?
1 SGD = 14,164 IDR at the ECB reference rate for 23 Oct 2026. Rp10,000 is about S$0.71 and Rp1,000,000 about S$70.60.
How much is Rp1,000,000 in SGD?
About S$70.60 at the reference rate for 23 Oct 2026. A card adds its FX fee to that figure, and a merchant surcharge, if any, is converted along with the bill.
Is it cheaper to be charged in SGD or IDR by card in Indonesia?
Choosing IDR means the card network converts and the issuer adds its published fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Choosing SGD, at a terminal or on a booking site, means the merchant or site converts at its own rate, and an issuer fee for overseas-processed SGD charges can still apply.
Which fees apply when I pay by card in Indonesia?
Visa and Mastercard each convert at their own daily rate, which can differ from the ECB reference rate. The issuer’s foreign-currency fee comes on top. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Some merchants add a card surcharge, which becomes part of the rupiah amount before conversion.
How has SGD to IDR moved over the last 90 days?
Over the 90 days to 23 Oct 2026, 1 SGD ranged from 13,833 IDR (09 Sep 2026) to 14,164 IDR (23 Oct 2026), averaging 13,974 IDR (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.