THB to SGD: baht rate and card costs
Convert Thai baht to Singapore dollars, or SGD to THB, at the ECB reference rate, then compare what a baht purchase costs on each card after fees and rewards.
Converter
฿1 = S$0.0379 · 1 SGD = 26.395 THB
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 ฿12,000
Change the amount in the converter above. Each figure is an estimate for a single in-store purchase in THB.
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$454.63CostS$454.63
- ChargedS$469.41Rewards earned1,126 miles ≈ S$22.532.4 mpdNet cost S$446.88Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earned1,032 miles ≈ S$20.652.2 mpd
Overseas retail purchases, in-store or online
Net cost S$448.75Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earned1,032 miles ≈ S$20.652.2 mpd
Charges converted to SGD at the terminal (DCC) earn the local rate of 1.3 mpd
Net cost S$448.75Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earned985 miles ≈ S$19.722.1 mpdNet cost S$449.69Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$470.54Rewards earned941 miles ≈ S$18.822 mpdNet cost S$451.72Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earned563 miles ≈ S$11.271.2 mpd
Separate 18,000-mile voucher for S$10,000 foreign spend; qualifying period ends 31 Oct 2026
Net cost S$458.14Fees · min incomeS$397.85 annual feeMin income not stated3.25% FX fee - ChargedS$469.41Rewards earned563 miles ≈ S$11.271.2 mpd
In-store overseas rate; online spend follows a separate rate and cap
Net cost S$458.14Fees · min incomeS$196.20 annual feeS$80,000 min income3.25% FX fee - ChargedS$469.41Rewards earned563 miles ≈ S$11.271.2 mpd
Overseas dining 2.4 mpd needs S$1,000 of Singapore Airlines spend a year
Net cost S$458.14Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$470.54Rewards earned470 miles ≈ S$9.413 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$461.13Fees · min incomeS$599.50 annual feeS$30,000 min income3.5% FX fee - ChargedS$469.41Rewards earnedS$7.981.7% cashback
Promotional 2% on physical-card contactless payments until 31 Jan 2027 not counted here
Net cost S$461.43Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$7.511.6% cashbackNet cost S$461.90Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earnedS$7.511.6% cashbackNet cost S$461.90Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earnedS$7.042.5% 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$462.37Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$470.54Rewards earnedS$7.061.5% cashbackNet cost S$463.49Fees · min incomeS$196.20 annual feeS$30,000 min income3.5% FX feeApply[Affiliate]
- ChargedS$468.27Rewards earnedS$4.682% cashbackMin spend S$2,000/month (1% below)Below min spend S$2,000Net cost S$463.59Fees · min incomeS$0 annual feeS$120,000 min income3% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earned187 miles ≈ S$3.760.4 mpd
4 mpd only at department, clothing, shoe and luggage stores, up to S$1,000 spend per statement month
Net cost S$465.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earned187 miles ≈ S$3.760.4 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$465.65Fees · min incomeS$0 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earned187 miles ≈ S$3.760.4 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$465.65Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earned187 miles ≈ S$3.764 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$465.65Fees · min incomeS$218 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$468.27Rewards earnedS$0.940.2% 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$467.33Fees · min incomeS$0 annual feeS$30,000 min income3% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$1.410.3% cashbackNet cost S$468.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earnedS$1.410.3% cashbackSMRT$600 cashback cap per card yearNet cost S$468.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$469.41Rewards earnedS$1.413.55% 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$468.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeClosed to new applications
- ChargedS$469.41Rewards earnedS$1.410.3% 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$468.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$1.410.3% cashbackNet cost S$468.00Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate]
- ChargedS$470.54Rewards earnedS$2.351% cashbackMin spend S$1,500/month (0.5% below)Below min spend S$1,500Net cost S$468.19Fees · min incomeS$99.19 annual feeS$30,000 min income3.5% FX fee
- ChargedS$469.41Rewards earnedS$1.170.25% cashback
yuu bonus rates apply to Singapore merchants only
Net cost S$468.23Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$1.170.25% 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$468.23Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$0.940.2% cashback
Dining and groceries 6%, petrol 8% worldwide with S$800+ statement spend; S$80 monthly cashback cap
Net cost S$468.47Fees · min incomeS$196.20 annual feeS$30,000 min income3.25% FX feeApply[Affiliate] - ChargedS$469.41Rewards earnedS$0.140.03% 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$469.27Fees · 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.
| THB | SGD |
|---|---|
| ฿1 | S$0.0379 |
| ฿5 | S$0.189 |
| ฿10 | S$0.379 |
| ฿20 | S$0.758 |
| ฿50 | S$1.89 |
| ฿100 | S$3.79 |
| ฿200 | S$7.58 |
| ฿500 | S$18.94 |
| ฿1,000 | S$37.89 |
| ฿5,000 | S$189.43 |
| SGD | THB |
|---|---|
| S$1 | ฿26.40 |
| S$5 | ฿131.98 |
| S$10 | ฿263.95 |
| S$20 | ฿527.90 |
| S$50 | ฿1,319.75 |
| S$100 | ฿2,639.50 |
| S$200 | ฿5,279.00 |
| S$500 | ฿13,197.50 |
| S$1,000 | ฿26,395.00 |
| S$5,000 | ฿131,975.00 |
SGD/THB over the last 90 days
- 90-day low
- 25.726
- 24 Aug 2026
- 90-day high
- 26.414
- 22 Oct 2026
- Average
- 26.06
- 65 ECB fixes
Converting baht prices back to SGD
This page runs from baht to Singapore dollars because that is the conversion most people do on the spot: a price tag, a menu or a hotel invoice in baht, and the question of what it comes to in SGD. The swap button reverses it for anyone budgeting in SGD before a trip.
Most baht spending by Singapore residents happens in Bangkok and Phuket. City trips tend to mix mall shopping and hotels on a card with markets, street food and transport paid in cash. Beach trips shift more of the spend into resort bills, tours and boat transfers, which are often larger single amounts.
That mix matters for the card table. A foreign-currency fee applies only to what goes on the card, so the cash share of a trip sits outside the table, priced instead by wherever the cash came from. To see how a resort bill fares, enter that bill as the amount: the table shows whether the charge clears any minimum spend and whether a monthly cap cuts the reward short.
Getting baht cash is where costs are easiest to overlook. A money changer in Singapore builds its margin into the quoted rate, so comparing that quote with the reference rate on this page shows the margin. At an ATM in Thailand, a withdrawal on a Singapore credit card is a cash advance under the card’s terms, with its own fee and interest, and the ATM operator can add a withdrawal fee of its own. Debit and multi-currency accounts have separate pricing that this page does not cover.
At card terminals and on booking pages, an offer to charge you in SGD instead of THB is dynamic currency conversion. Choosing THB keeps the conversion with the card network.
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 THB 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 Thailand:
- When the screen shows two amounts, one in SGD and one in THB, select the THB amount.
- If the cashier selects for you, ask for the charge in THB before you tap or enter your PIN.
- On a printed slip, check that the currency is THB 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 THB in SGD today?
฿1 is about S$0.04 at the ECB reference rate for 23 Oct 2026 (1 SGD = 26.395 THB). The reference rate is a daily midpoint, not a money changer’s or card network’s rate.
How much is 1,000 baht in SGD?
฿1,000 converts to about S$37.89, and ฿12,000 to about S$454.63, at the reference rate for 23 Oct 2026. A card charge adds the issuer’s fee before any rewards.
Is it cheaper to be charged in SGD or THB by card in Thailand?
Paying in THB leaves the conversion to the card network and adds the issuer’s published fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Accepting SGD at a Thai terminal means the merchant’s provider converts at its own rate and margin, and an issuer fee for SGD charges processed abroad can still apply.
Which fees apply when I pay by card in Thailand?
For a card purchase: the network’s conversion (visa and Mastercard each convert at their own daily rate, which can differ from the ECB reference rate) and the issuer’s foreign-currency fee. For the cards SGfi has verified, issuer fees run from 3% to 3.5%. Cash withdrawals are priced differently, as cash advances, and an ATM operator can add its own fee.
How has THB to SGD moved over the last 90 days?
Over the 90 days to 23 Oct 2026, ฿1,000 was worth between S$37.86 (22 Oct 2026) and S$38.87 (24 Aug 2026), based on ECB reference rates 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.