Best No Annual Fee Credit Cards in Singapore 2018

Updated December 2018

Choosing a card with no annual fee does not mean you can't enjoy the perks that come with owning a credit card. Compare and find the best no annual fee credit cards and earn up to 8% cashback or 5x reward points.

Popular No Annual Fee Credit Cards

Get $200 Vouchers

Citibank SMRT Card

1 year

Annual Fee Waiver

S$192.60

Annual Fee

26.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Good for: Grocery

Groceries, online shopping, EZ-link

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

No Annual Fee Features

  • First year fee waived for Principal and 2 Supplementary cards
  • Annual fee waiver is only applicable to new credit card applications
  • The waiver will be reflected as a credit in your next monthly statement for the respective account
  • Annual fees are excluded from the calculation of the spend requirement for cashback
  • Up to 5% savings on Groceries, Fast Food, Coffee & Movies and 3% on Online Shopping
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay

Get free $200 Vouchers

Citi Rewards Card

1 year

Annual Fee Waiver

S$192.60

Annual Fee

26.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Good for: Rewards

Online & retail shopping

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

No Annual Fee Features

  • First year fee waived for Principal and 2 Supplementary cards
  • Annual fee waiver is only applicable to new credit card applications
  • The waiver will be reflected as a credit in your next monthly statement for the respective account
  • Annual fees are excluded from the calculation of the spend requirement for cashback
  • 10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay, Citi Pay

Get up to $300 in cash + credit

Standard Chartered Unlimited Cashback Credit Card

2 years

Annual fee waiver

S$192.6

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +1 more

Good for: Cash Back

Big ticket purchases, petrol, Grab rides, movies

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel

No Annual Fee Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Unlimited Cashback via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • Annual fee waiver for 2 years
  • Perpetual fee waiver for supplementary cards
  • Annual fee is excluded from the calculation of the spend requirement for cashback
  • 1.5% cashback with no cap and no min. spend
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
OCBC 365 Credit Card

2 years

Annual Fee Waiver

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Good for: Cash Back

Dining, petrol, flight tickets, overseas accomodation

No Annual Fee Features

  • 2 years annual fee waiver for principal card, subsequent years waived with min. spend of S$10,000 p.a.
  • 2 years annual fee waiver for supplementary card
  • Annual fees are excluded from the calculation of the spend requirement for cashback
  • 6% cashback on every day dining (including local, overseas and online food delivery)
  • 3% cashback on grocery, land transport, online travel, recurring telco and electricity bills
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Platinum Visa/MasterCard Credit Card

3 years

Annual fee waiver

$192.60

Annual Fee

25.90%

Annual Interest Rate

  • Get S$150 in Prime Now Credits or up to S$100 cashback
  • 5% cashback on all eligible spend
  • +1 more

Good for: Rewards

Petrol, Grab rides

Other Promotions

  • Get 15% cashback with Grab

No Annual Fee Features

  • Annual fee waiver for 3 years
  • S$193 annual fee for principle cardholder thereafter
  • S$1 earns 1X Point on All Spends
  • S$1 earns 2X Points when you open a Standard Chartered Current Account with monthly minimum spend of S$1,000
  • 1 Point = 0.4 Miles

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC Titanium Rewards Card

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Good for: Rewards

Online & retail shopping, movies

No Annual Fee Features

  • 2 years annual fee waiver for principal card, subsequent years waived with min. spend of S$10,000 p.a.
  • 2 years annual fee waiver for supplementary card
  • Annual fees are excluded from the calculation of the spend requirement for cashback
  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, locally and overseas
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
OCBC Cashflo Credit Card

2 years

Annual Fee Waiver

S$160.50

Annual Fee

26.88%

Annual Interest Rate

Good for:

Instalment, movies, big ticket purchases

No Annual Fee Features

  • 2 years annual fee waiver for principal card, subsequent years waived with min. spend of S$10,000 p.a.
  • 2 years annual fee waiver for supplementary card
  • Annual fees are excluded from the calculation of the spend requirement for cashback
  • Stretch payments across 3 or 6 months with 0% interest
  • Up to 1% cash rebate on all spend
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$161
Supplementary Annual Fee$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay

Get up to 30,800 KrisFlyer miles

American Express Singapore Airlines KrisFlyer Credit Card

1 year

Annual Fee Waiver

S$176.5

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Get up to 30,800 KrisFlyer miles
  • Get S$20 NTUC Voucher

Good for: Air Miles

Flight tickets, overseas accomodation, Grab rides

MoneySmart Exclusive: Get up to 30,800 KrisFlyer miles

No Annual Fee Features

  • Enjoy up to 30,800 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card. Get 9,200 KrisFlyer miles upon first spend, and an additional 21,600 (7,500+7,500+6,600) KrisFlyer miles with a min. spend of S$6,000 within 6 months of Card Approval date. Valid till 31 Dec 2018. Full T&Cs
  • Annual fee waiver for 1 year
  • S$53.50 p.a for supplementary cards
  • The first year annual membership fee waiver is only applicable to new American Express Card Members
  • Annual fee is not an eligible purchase and will not earn you KrisFlyer miles
  • Up to 3.1 KrisFlyer miles per S$1 spent on Grab, capped at S$200/month
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$177
Supplementary Annual Fee53.5
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
HSBC Advance Credit Card

1 year

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

  • Option 1: Get a Samsonite Astra 55cm luggage (worth S$350)
  • Option 2: S$100 Cash Back

Good for: Cash Back

Flight tickets, overseas accomodation

No Annual Fee Features

  • Annual fee waiver for 1 year
  • S$193 annual fee for principle card holder thereafter
  • Perpetual fee waiver for HSBC Advance Banking Customer
  • Upto 3.5% cashback on All Spends

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay

Get up to $300 in cash + credit

Standard Chartered Spree Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab

Good for: Cash Back

Online spend, Grab rides, petrol, vPost shipping

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit

No Annual Fee Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Spree Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • Annual fee waiver for 2 years
  • S$193 annual fee for principle card holder thereafter
  • Complimentry Supplementry card annual fee waived
  • 3% cashback on Online Spends in foreign currency with no minimum spend

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

Get up to $300 in cash + credit

Standard Chartered Rewards+ Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +2 more

Good for: Rewards

Overseas spending, dining, online spend, Grab rides

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

No Annual Fee Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Rewards+ Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • Annual fee waiver for 2 years
  • S$193 annual fee for principle card holder thereafter
  • Earn 10X Points for S$1 spent in foreign currency
  • Every Point earned equals 0.29 Miles
  • No minimum spend required

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave, Apple Pay, Samsung Pay, Google Pay
HSBC Visa Platinum Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

  • Option 1: Get a Samsonite Astra 55cm luggage (worth S$350)
  • Option 2: S$100 Cash Back

Good for: Air Miles

Petrol, grocery, recurring bills

No Annual Fee Features

  • Annual fee waiver for 2 years
  • S$193 annual fee for principle card holder thereafter
  • Subsequent years waived with minimun spend S$12,500 p.a
  • Upto 5% cashback on Petrol, Groceries, Dining and selected Recurring Bills

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
UOB YOLO Credit Card

1 year

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

  • Get up to $170 cash credit when you apply online and for the One Account

Good for: Cash Back

Online shopping, dining, entertainment, Grab rides

No Annual Fee Features

  • Annual fee waiver for 1 year
  • Perpetual fee waiver for first supplementary cards
  • $96.30 p.a for the the 2nd supplemenatary cards
  • Annual fee is excluded from the calculation of the spend requirement for cashback
  • Up to 18% cash rebate on online spend and Grab, Dining, and Entertainment for new cardmembers
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
DBS Altitude Visa Signature Card

1 year

Annual fee waiver

S$192.6

Annual Fee

25.90%

Annual Interest Rate

  • Get up to 12,000 Miles
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Good for: Air Miles

Flight tickets, overseas accomodation, overseas spending

No Annual Fee Features

  • Annual fee waiver for 1 year
  • S$96.30 p.a for supplementary cards
  • Automated fee waiver with min. S$25,000 retail spend per card year
  • 10,000 Bonus miles (equivalent to 5,000 DBS points to be credited) with payment of S$192.60 annual fee
  • Annual fee is charged upfront yearly on your card approval date
  • Request for annual fee waiver via DBS Digital Services
  • 3 miles per S$1 spent on online flight and hotel transactions
  • See all benefits by clicking on card details link below

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
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