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1. Issuing bank fee. Your credit card issuer -- think Citi, Chase or American Express -- may charge you for a transaction made in a country outside the US. 2. Network fee (currency conversion.You get up to S$400 annually to spend at some of the best restaurants around the world. Up to S$200 statement credits in Singapore. To be used at over 25 local restaurants each year. Enrol in Local Dining Credit. Up to S$200 statement credits to use abroad. At .