No Annual Fee Credit Cards Singapore

Q: How to request bank for credit card annual fee waiver?

Automatic waivers: Some banks (like DBS) grant via app/online. Manual waivers: OCBC, UOB, CIMB usually require you to call their banking hotline. Lifetime cards: No waiver needed. Thereafter, your annual fee waiver request will be assessed by tour credit card provider to see if you qualify for one based on your payment history.

Q: What's the difference between a fee waiver and a lifetime free credit card?

Fee waiver: The annual fee is waived temporarily (usually 1–2 years). You may need to request a waiver later. Lifetime free: No annual fee ever, no action required.

Q: Who is eligible for a no annual fee credit card?

Singaporeans/PRs: Age 21+, annual income of at least $30,000. Foreigners: Typically $45,000–$60,000 (or sometimes $90,000) annual income. Students: Options like the DBS Live Fresh Student Card (no income requirement, $500 limit).

Q: What are common hidden fees?

Common hidden fees that apply to credit cards include: Late payment: $100 Interest on retail purchases: ~26.9%–27.9% p.a. Foreign transaction fee: 3%–3.5%

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MoneySmart helps Singaporeans compare verified financial products side-by-side, so you find the best credit card, loan, insurance and other personal finance products for your needs—before you apply, not after. As an MAS-licensed platform with over 15 years in the market and a 4.4/5 Google rating from 100,000+ users, we surface exclusive sign-up bonuses and deals you won't find by going directly to a provider—with faster gift fulfilment and flexible redemption on top.

⭐ MoneySmart Recommends

The HSBC Revolution Card is the no-annual-fee card to beat. Earn a consistent 10X bonus Reward points (4 miles or 2.5% cashback per S$1) on online and contactless spending with no minimum spend, or double that to 20X bonus Reward points by parking S$50,000 in an HSBC Everyday Global Account.

For shoppers, the Citi Rewards Card earns the same 10X rate at department stores and online shopping merchants.

Prefer pure cashback? The Standard Chartered Simply Cash Card gives you a flat 1.5% on everything—no minimums, no cap, no annual fee in the first year. And if you spend S$800 a month, the OCBC 365 Card (fee waived for two years) earns 5% on dining and 6% on petrol.

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MoneySmart is Singapore’s most trusted personal finance platform, known for delivering accurate, unbiased, and transparent financial advice. Backed by over a decade of experience, our team of experts rigorously research and review financial products everything from credit cards to personal loans to insurance—we empower you to make confident, well-informed money decisions.

Quick Navigation: Best No Annual Fee Credit Cards in Singapore (2026)

If you’re in a hurry to compare the best no annual fee credit cards in Singapore, this section gives you a fast track. Use these links to jump straight to card comparisons, current promotions, waiver tips, and bank-specific listings—so you can save time and zero in on the perks that matter most.

🔖 Bookmark this page to stay up-to-date with all the latest no annual fee credit card promos across all banks.

Explore by Category

Best No Annual Fee Credit Cards: See the top picks side by side.

Latest Card Promotions: Don’t miss limited-time sign-up deals.

Annual Fee Waiver Guide: Step-by-step instructions on fee waivers.

Hidden Fees & Charges: Learn how to avoid extra costs.

FAQs: Answers on eligibility, credit card promos, and more.

Explore by Banks

DBS No Annual Fee Cards

OCBC No Annual Fee Cards

UOB No Annual Fee Cards

HSBC No Annual Fee Cards

Maybank No Annual Fee Cards

CIMB No Annual Fee Cards

American Express No Annual Fee Cards

Best No Annual Fee Credit Cards in Singapore (2026): Comparison

Now that you know how to navigate our no annual fee credit cards, let's size up the leading options side by side. Here, we'll help you compare key credit card features, rewards, promotions, and waiver conditions so you can recognise which one matches your financial objectives and spending habits best.

Credit card	Best for	Card benefits	Annual fee waiver
Standard Chartered Simply Cash Credit Card	Fuss-free cashback seekers	1.5% unlimited cashback on all eligible spend	1st year waived
OCBC 365 Credit Card	Household expenses and daily bills	Up to 6% cashback on dining, 5% on petrol, 3% on groceries and recurring bills	2 years waived; subsequent waived with $10,000/year spend
HSBC Revolution Credit Card	Online and contactless spenders	10X Rewards Points (≈4 miles/$1) on online and contactless spend (dining, retail, travel)	No annual fee
American Express True Cashback Card	Everyday spenders	3% cashback on first $5,000 spend in 6 months 1.5% unlimited cashback thereafter No min. spend or cap	1st year waived
CIMB World Mastercard	Dining, entertainment, and travel	2% cashback with $1,000 monthly spend 1% cashback below $1,000 Complimentary Mastercard Travel Pass access	No annual fee
DBS Altitude Visa Signature Card	Frequent travellers	1.3 mpd on local spend 2.2 mpd on overseas spend 10,000 bonus miles with annual fee payment	1st year waived

Best No Annual Fee Credit Cards for Every Lifestyle in Singapore

Now that you’ve seen the side-by-side comparison, let’s make it personal. Here’s a quick guide to the best no annual fee credit cards in Singapore, matched to your lifestyle and spending habits. Pick the one that fits you best and enjoy rewards without the burden of annual fees.

🎓 For Students: DBS Live Fresh Student Card

Why it works: Tailored for students with no income requirement. Enjoy cashback on everyday spend.

Waiver: Annual fee waived for 5 years.

Good to know: Credit limit of $500; avoid late payments to sidestep high interest.

💼 For First-Jobber: HSBC Revolution Credit Card

Why it works: Great for young professionals who shop and dine online. Earn 10X points (up to 4 miles per $1) on eligible transactions.

Waiver: No annual fee for life.

Good to know: Rewards points expire after 37 months, so redeem them early.

👨‍👩‍👧 For Family: OCBC 365 Credit Card

Why it works: Cashback on essentials like dining, groceries, and fuel.

Waiver: First 2 years waived; subsequent years waived with $10,000 annual spend.

Good to know: Cashback is maximised only with $800 monthly spend.

💵 For Cashback Hunters: Standard Chartered Simply Cash Credit Card

Why it works: Unlimited cashback with no categories to track.

Waiver: 1st year waived

Good to know: Watch for annual fee in year 2; promo cashback rates may change.

✈️ For Miles Collectors: DBS Altitude Visa Signature Card

Why it works: Earn up to 2.2 miles per $1 on overseas spend; miles never expire.

Waiver: 1st year waived; subsequent waiver with $25,000 annual spend*.

Good to know: Bonus miles often tied to paying the annual fee. Check before redeeming.

Note: With effect from 1 Aug 2026, the annual fee waiver eligibility upon meeting the retail spend of S$25,000 in the previous card year will be ceased.

🛒 For Simple Savers: CIMB World Mastercard

Why it works: Unlimited 2% cashback on dining, ride-hailing, and digital spends.

Waiver: No annual fee for life.

Good to know: Requires minimum $1,000 eligible monthly spend to unlock higher 2% cashback rate; otherwise reduced to 1% cashback only.

Will You Answer The Call of Cashback?

Compare the best cashback credit cards money has to offer 😉 Only on MoneySmart!

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Hidden Fees on No Annual Fee Credit Cards in Singapore

Even “no annual fee” cards can come with surprise costs. From late payment penalties to foreign transaction fees, it pays to know what you’re signing up for. Here’s a breakdown of the most common hidden charges and how to avoid them.

Quick comparison of hidden fees

Card	Late Payment Fee	Interest (p.a.)	Foreign Transaction Fee	Waiver Notes	Tips
Standard Chartered Simply Cash	$100	27.9%	3.5%	1st year waived only	Set up automatic GIRO payments to avoid late charges and interest,
OCBC 365 Credit Card	$100	27.78%	3.25%	2 years waived; $10k spend for subsequent waivers	Spend at least $10,000 annually to keep your annual fee waiver active.
Amex True Cashback Card	$100	27.8%–30.8%	3.25%	1st year waived only	Remember to track your annual fee payments from year 2 onwards.
HSBC Revolution Card	$100	26.9%	3.25%	No annual fee for life	Redeem your HSBC rewards points into miles, cash, or other rewards before they expire after 37 months.
CIMB World Mastercard	$100	27.8%	3%	No annual fee for life	Lifetime waiver but watch out for overlimit and cash advance fees.
American Express Singapore Airlines KrisFlyer Credit Card	$100	Up to 30.8%	3.25%	1st year waived only	Remember to track your annual fee payments from year 2 onwards.

Here are a few quick examples to illustrate:

Spend S$1,000 overseas ➡️ add ~S$32.50 in FX fees.

Pay late ➡️ $100 penalty + 26.9% interest.

Withdraw $500 cash ➡️ extra $40+ in fees and interest.

Benefits of No Annual Fee Credit Cards

🤑 Save more

With a no annual fee credit card, you can save up to $500 every year, depending on your chosen credit card.

👌🏻 Fuss-free management

Get only what you need with minimised cost on your end. No annual fee credit cards are simple and straightforward.

❌📅 No yearly surprises

Not everyone can keep track of when their annual fee is due. So, with a no annual fee credit card, you’ll be free from credit card bill shocks.

Step 1

Check eligibility

Most banks require you to be at least 21 years old with a minimum annual income of $30,000 (Singaporean/PR).

Foreigners usually need $45,000–$60,000, sometimes even $90,000.

Student cards (like DBS Live Fresh Student) have separate eligibility rules.

Step 2

Prepare necessary documents

While document requirements vary across banks, the standard documents banks would ask for include, but are not limited to:

Singaporeans/PRs: NRIC + latest payslip or Income Tax Notice of Assessment

Foreigners: Passport, employee pass (6 months' validity), proof of income and address

Step 3

Decide your priority

What matters more—welcome bonus, cashback rate, or long-term waiver?

Some cards give bigger upfront promos (e.g., AMEX credit cards, Standard Chartered Simply Cash).

Others save you more long-term with automatic lifetime waivers (e.g., HSBC Revolution, CIMB World Mastercard).

Step 4

Apply via MoneySmart

Shortlist your preferred no annual fee credit card on our comparison page here, and click on their respective "Apply Now" button to get your application started!

Besides being redirected to the card application form, you'll be asked to fill up our MoneySmart Rewards Form with your email address to qualify you for our ✨ exclusive sign-up rewards and bonuses 🎁.

Alternatively, you may also sign up for credit cards via the banks' online portals or physical branches.

Step 5

Submit & track your application

Upon application, banks will review and assess your submission. Most banks will confirm by SMS or email within a few working days, at times almost instantaneously.

If extra supporting documents are required, banks will also follow up quickly to minimise delays.

Step 6

Understand fee waiver processes

Automatic waivers: DBS often grants fee waivers via iBanking or mobile app.

Manual waivers: OCBC, UOB, CIMB usually require you to call in.

Lifetime free cards: HSBC Revolution and CIMB World Mastercard are examples of credit cards with permanent annual fee waivers.

💡 Pro-tip: Always set reminders before your credit card's annual fee waiver period ends. This way, you won't be caught off guard by annual fee renewals being sent to your bill statement.

Step 7

Receive & activate your credit card

Once your credit card is approved, congrats!

Be sure to activate it on your bank's respective mobile app. Alternatively, you can wait for the physical card to be mailed to you.

Regardless, once it's activated, you can start using your new credit card for your purchases and you can track your miles, rewards, or cashback on the bank's mobile app!

Step 8

⭐ Redeem your sign-up bonuses

Don’t forget to claim your bonus! Most promos require spending a set amount within 30–60 days. Mark the expiry dates so you don’t miss out.

Get No Annual Fee Credit Cards in Singapore with Exclusive Promotions from MoneySmart

Credit Card	Card highlights	Promotion	Valid until
HSBC Revolution Credit Card	S$1 = 20X Points (8 miles) on Contactless & Online Spending for cardholders who maintain at least S$50,000 average daily balance in your HSBC EGA SGD Account S$1 = 10X Points (4 miles) on Contactless & Online Spending for all other cardholders S$0.00 Annual Fee	Receive S$450 cash or 6,140 SmartPoints (worth up to S$499 in gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month. Additionally, enter an exclusive lucky draw for a dream-destination getaway valued at S$15,000.	27 Jun 2026 till 30 Jun 2026
Standard Chartered Simply Cash Credit Card	1 year Annual Fee waiver with no minimum spend S$196.20 Annual Principal Fee 27.90% Annual Interest Rate	Receive S$350 Cash via PayNow or 4,000 SmartPoints when you spend min. S$800 in 30 days and apply to any of the following SCB products through MoneySmart: Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer. Worth up to S$469 in gifts.	1 Jun 2026 till 30 Jun 2026
OCBC 365 Credit Card	2 years Annual Fee Waiver S$196.20 Annual Fee 27.78% Annual Interest Rate	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 30 Jun 2026
CIMB World Mastercard	S$0.00 Annual Fee 27.8% Annual Interest Rate Up to 2% Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods)	Receive S$50 cash after spending a minimum of S$2,000 within 60 days of card approval. Plus a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) when you spend a minimum of S$2,000 within 60 days of card approval from CIMB.	1 Jun 2026 till 30 Jun 2026
CIMB Visa Signature	Up to 10% Cash Back on Wine & Dine, Petrol & Transport, Travel S$800.00 Min. spend per month to qualify for the 10% Cash Back S$100.00 Cash Back Cap per month	Receive S$50 cash after spending a minimum of S$2,000 within 60 days of card approval. Plus a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) when you spend a minimum of S$2,000 within 60 days of card approval from CIMB.	1 Jun 2026 till 30 Jun 2026
UOB One Card	First Year Annual Fee Waiver S$196.20 Annual Fee 27.80% Annual Interest Rate	Receive S$30 cash when you apply for select UOB credit cards via MoneySmart. Activate the card by 14 July, and complete one eligible transaction within 30 days of approval. The reward will be issued 6 months after the campaign ends. Additionally, enjoy cashback on daily spend of up to 20%.	12 Jun 2026 till 30 Jun 2026
Standard Chartered Journey Credit Card (No Annual Fee)	S$1 = 1.2 Miles for all Eligible Local Spends S$196.20 Annual Fee First Year Annual Fee Waiver Option	Receive S$180 cash via PayNow or 2,800 SmartPoints (worth up to S$429 in gifts) after you spend a minimum of S$800 within 60 days and apply to any of the following SCB products through MoneySmart: Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer. Get 20,000 miles when you spend a minimum of S$800 within the first 60 days of card approval.	1 Jun 2026 till 30 Jun 2026
UOB EVOL Credit Card	Enjoy No Annual Fees when you make min. 3 transactions per month for 12 consecutive months 10% Cashback on Local Online, Mobile Contactless, Telco, Gym, Streaming spend S$800.00 Min. Spend per month for 10% cashback	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
UOB Lady's Card	1 year Annual Fee Waiver S$196.20 Annual Fee 27.80% Annual Interest Rate	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
UOB Visa Signature Card	4 miles per S$1 on Overseas Transactions 4 miles per S$1 on Petrol, SimplyGo and Contactless Transactions First Year Annual Fee Waived	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
OCBC Rewards Credit Card	2 years No Annual Fee S$196.20 Annual Fee 27.78% Annual Interest Rate	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 30 Jun 2026
UOB PRVI Miles Visa Card	First Year Annual Fee Waiver S$261.60 Annual Principal Fee 27.80% Annual Interest Rate	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
UOB PRVI Miles Mastercard Card	First Year Annual Fee Waiver S$261.60 Annual Principal Fee 27.80% Annual Interest Rate	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
UOB PRVI Miles American Express Card	First Year Annual Fee Waiver S$261.60 Annual Principal Fee 27.80% Annual Interest Rate	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026
UOB Absolute Cashback Card	First Year Annual Fee Waiver S$196.20 Annual Principal Fee 27.80% Annual Interest Rate	S$30 Cash when you apply for select UOB credit cards via MoneySmart. Activate the card by 14 July, and complete one eligible transaction within 30 days from approval. The reward will be issued six months after the campaign ends. Additionally, receive a Samsonite EVOA Z Spinner 25” Expandable (worth S$600) when you apply and spend a minimum of S$2,000 per month for 2 consecutive months from card approval date.	12 Jun 2026 till 30 Jun 2026
OCBC 90°N Visa Card	First Year Annual Fee Waiver S$196.20 Annual Fee 27.78% Annual Interest Rate	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 30 Jun 2026
OCBC 90°N Card	First Year Annual Fee Waiver S$196.20 Annual Fee 27.78% Annual Interest Rate	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 30 Jun 2026
Singtel-UOB Card	12% Cashback on Singtel/ GOMO Spend 10% Cashabck on Local Online & Mobile Contactless spend First Year Annual Fee Waived	Apply for select UOB credit cards through MoneySmart to receive S$30 cash. Activate the card by 14 July and complete one eligible transaction within 30 days of approval. The reward will be issued six months after the campaign ends.	12 Jun 2026 till 30 Jun 2026

How MoneySmart Compares No Annual Fee Credit Cards (Transparency & Trust)

You deserve to know that the credit card comparisons you’re reading are accurate, unbiased, and up to date. When it comes to credit cards, transparency matters. At MoneySmart, our mission is simple: to help you make smarter financial decisions without the jargon or fine print getting in the way.

1. Monthly updates & fact-checked data

We review and refresh our no annual fee card listings every month. That means the promos, waiver details, and fine print you see here are always current.

2. Independent recommendations

Our picks are based on features, value, and suitability—not sponsorships. If a card is listed as “best,” it’s because the data backs it. That way, you know exactly when you’re seeing an ad and when you’re reading our independent take.

Clear ads disclosure

Sponsored placements are clearly labelled where some links are affiliate links. That means if you apply through MoneySmart, we may earn a commission—but at no extra cost to you. This never affects how we rank or review products.

4. Verified promos & waivers

We don’t just list offers — we check them against official sources. Our team validates every promotion and waiver condition before it appears on MoneySmart.

5. Compliance with MAS guidelines

All our comparisons follow Monetary Authority of Singapore (MAS) regulations. This ensures your interests are always protected.

6. Real-world testing

Each month, we test common processes (like the Citibank fee waiver request) to make sure our guidance reflects the actual customer journey.

Max Out Rewards, Not Regrets

Don't limit your credit card options. Find the best credit card promotions with us on MoneySmart before you commit a new one to your wallet! ✨💳

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Frequently Asked Questions About No Annual Fee Credit Cards

Which credit cards do not charge an annual fee in Singapore?

Singapore's "no annual fee" cards fall into two camps: those that are permanently free for life, and those with fees that are easily waived through spend or usage. Here are the top picks that are permanently free for life, ideal as keeper cards or backups:

HSBC Revolution Credit Card – Up to 20X reward points ($1 = up to 8 miles) on contactless and online spend (dining, shopping, travel, ride-hailing). Points expire after 37 months.
CIMB World Mastercard – 2% cashback on dining, luxury retail, digital entertainment, and taxis (min. $1,000/month spend).
CIMB Visa Signature – Up to 10% cashback on groceries, online spend, beauty, and wellness (min. $800/month spend).
CIMB Visa Infinite – 2% cashback on travel and overseas spend (min. $2,000), plus travel insurance and DragonPass lounge access.
NTUC Link Credit Card by Trust – No FX fees. Up to 21% rebates at FairPrice Group and up to 20% off petrol at Esso and Caltex.
Trust Cashback Card – No FX fees. Up to 1% unlimited instant cashback plus up to 15% on a rotating preferred category.

These cards have no tricky waiver rules — perfect for rewards with zero strings or as a backup card without surprise charges. Full details for each card are on MoneySmart.

How to request bank for credit card annual fee waiver?

Automatic waivers: Some banks (like DBS) grant via app/online.

Manual waivers: OCBC, UOB, CIMB usually require you to call their banking hotline.

Lifetime cards: No waiver needed.

Thereafter, your annual fee waiver request will be assessed by tour credit card provider to see if you qualify for one based on your payment history.

How do I choose the right no-fee credit card in Singapore?

Finding the right no-fee credit card in Singapore starts with understanding the different types of annual fee structures available. Whether you want a card that’s truly “free for life” or you’re okay with requesting waivers or meeting certain conditions, it’s all about matching your comfort level with how much attention you want to pay to fees.

What’s the best business credit card with no annual fee?

To find out the best business credit card without annual fee, check out our easy-to-use comparison tool that gives you an overview of the best no annual fee credit cards in Singapore. Here, you’ll find credit cards with an annual fee waiver from top credit card providers in Singapore.

What is a no annual fee credit card?

A no annual fee credit card is a credit card that does not charge the usual yearly membership fee (typically $196.20). Some are free for life (e.g., HSBC Revolution), while others waive the fee only for the first 1 to 3 years. These cards save you from paying recurring account fees while still letting you enjoy rewards and perks.

What's the difference between a fee waiver and a lifetime free credit card?

Fee waiver: The annual fee is waived temporarily (usually 1–2 years). You may need to request a waiver later.

Lifetime free: No annual fee ever, no action required.

Who is eligible for a no annual fee credit card?

Singaporeans/PRs: Age 21+, annual income of at least $30,000.

Foreigners: Typically $45,000–$60,000 (or sometimes $90,000) annual income.

Students: Options like the DBS Live Fresh Student Card (no income requirement, $500 limit).

Do fee waivers affect sign-up bonuses?

No. Unless stated otherwise, as long as you meet the spending criteria, you’ll still qualify for promos and sign-up rewards. Always check the promo’s terms and conditions.

What are common hidden fees?

Common hidden fees that apply to credit cards include:

Late payment: $100

Interest on retail purchases: ~26.9%–27.9% p.a.

Foreign transaction fee: 3%–3.5%

If I miss an annual fee waiver or promo deadline, can I re-apply or get another chance?

For annual fee waivers, yes, most banks allow you to request a waiver even after you've been charged—as long as you qualify based on your spend or historical payment behaviour. The general rule of thumb is, the sooner you contact customer support via hotline or bank mobile app, the higher your chances of waiver success.

Meanwhile, promo eligibility is stricter. If you miss an eligible spend requirement or promo window (e.g. new-to-bank status or specified claim deadline), you usually must wait for your new card eligibility to reset since most promos are strictly for first-time card applicants or "new-to-bank" only. This could take anywhere between 6 months to 2 years, depending on the card issuer.

What are the main exclusions or limitations to watch for on no annual fee card rewards or benefits?

Popular exclusions include limits on eligible transactions (e.g., AXS payments, insurance premiums, and utilities may not earn cashback or miles).

Some cards require a yearly spend (e.g. $10,000, $25,000, $120,000) to keep recurring fee waivers active.

Foreign currency transactions and cash advances are often excluded. Always review each card’s “things to note” or exclusion list, and remember that some offers and waivers apply only to principal cardholders.

Rewards such as SmartPoints, bonus miles, or vouchers may have separate expiry or redemption rules. Always verify with the T&Cs.

How do I choose the best no annual fee credit card?

It really depends on your lifestyle and spending habits. If you want simplicity, look for cards with no minimum spend and straightforward cashback. If you’re chasing rewards, check the categories, promos, and sign-up bonuses.

Best No Annual Fee Credit Cards in Singapore 2026

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