Best No Annual Fee Credit Cards in Singapore 2019

Updated June 2019

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 S$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 CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

1 year

Annual Fee Waiver

S$192.60

Annual Fee

26.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

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 S$200 or 30k Points

Citi Rewards Card

1 year

Annual Fee Waiver

S$192.60

Annual Fee

26.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$200 vouchers OR 30,000 Citi ThankYouSM Points! Applies to new to bank customers.Valid till 30 Jun 2019.

1 year

Annual Fee Waiver

S$192.60

Annual Fee

26.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$200 vouchers OR 30,000 Citi ThankYouSM Points! Applies to new to bank customers.Valid till 30 Jun 2019.

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 S$220 Cash

Standard Chartered Unlimited Cashback Credit Card

2 years

Annual fee waiver

S$192.6

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$220 worth of Cash + Cashback + Instant digital card approval with MyInfo when you apply via MoneySmartValid till 30 Jun 2019.

2 years

Annual fee waiver

S$192.6

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Get S$220 worth of Cash + Cashback + Instant digital card approval with MyInfo when you apply via MoneySmartValid till 30 Jun 2019.

No Annual Fee Features

  • Get instant digital card approval via MyInfo when you apply on MoneySmart
  • For $100 cash: Submit your (i)Contact Details and (ii)11-13 digit Reference Number on the Thank You Page upon completion at MoneySmart Claim Form by 30 Jun 2019 for your S$100 Cash Gift. Refer to T&Cs here
  • Applicable to New-To -Bank Customers only
  • 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 Rate26.90%
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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

2 years

Annual Fee Waiver

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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
HSBC Visa Platinum Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

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
Standard Chartered Platinum Visa/MasterCard Credit Card

3 years

Annual fee waiver

$192.60

Annual Fee

25.90%

Annual Interest Rate

3 years

Annual fee waiver

$192.60

Annual Fee

25.90%

Annual Interest Rate

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 Rate26.90%
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 (Blue)

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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 Titanium Rewards Card (Pink)

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

2 years

Annual Fee Waiver

S$160.50

Annual Fee

26.88%

Annual Interest Rate

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

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 35,500 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 35,500 KrisFlyer milesValid till 30 Jun 2019.
  • Get 3.1 KrisFlyer miles per S$1 spent on Daily Essentials
  • +1 more

1 year

Annual Fee Waiver

S$176.5

Annual Fee

25.90%

Annual Interest Rate

MoneySmart Exclusive: Get up to 35,500 KrisFlyer milesValid till 30 Jun 2019.

Other Promotions

  • Get S$20 CapitaLand Voucher

No Annual Fee Features

  • Enjoy up to 35,500 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Credit Card. Get 11,150 KrisFlyer miles upon first S$1,500 spend, another 11,350 (7,500+3,850) KrisFlyer miles with a min. spend of S$3,500 within first 3 months of Card Approval date and an additional 13,000 (7,500+5,500) KrisFlyer miles with the next min. spend of S$5,000 within the 4th-6th months of Card Approval. Valid till 30 Jun 2019. 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

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash BackValid till 31 Jul 2019.

1 year

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash BackValid till 31 Jul 2019.

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
Standard Chartered Spree Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

No Annual Fee Features

  • New-To-Bank customers: Get up to S$100 Cashback and instant digital card approval with MyInfo when you apply for SCB Spree Card and S$20 when you spend minimum S$1 within 3 days from approval date
  • 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 Rate26.90%
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
Standard Chartered Rewards+ Credit Card

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

2 years

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

No Annual Fee Features

  • New-To-Bank customers: Get up to S$100 Cashback and instant digital card approval with MyInfo when you apply for SCB Rewards+ Card and S$20 when you spend minimum S$1 within 3 days from approval date
  • 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 Rate26.90%
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
ICBC Global Travel MasterCard Credit Card

3 years

Annual Fee Waiver

S$150

Annual Fee

24%

Annual Interest Rate

3 years

Annual Fee Waiver

S$150

Annual Fee

24%

Annual Interest Rate

No Annual Fee Features

  • 3 years Annual Fee waiver for Principal cardholders
  • Up to 3% unlimited cash back on all spends (Local and Overseas)

Annual Interest Rate and Fees

Annual Interest Rate24.00%
Principle Annual Fee$150
Supplementary Annual FeeS$75
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$30,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
ICBC Chinese Zodiac Credit Card

3 years

Annual Fee Waiver

S$150

Annual Fee

24%

Annual Interest Rate

3 years

Annual Fee Waiver

S$150

Annual Fee

24%

Annual Interest Rate

No Annual Fee Features

  • 3 years Annual Fee waiver for Principal cardholders
  • Earn 1.6% unlimited cash back on all spends (Local and Overseas)

Annual Interest Rate and Fees

Annual Interest Rate24.00%
Principle Annual Fee$150
Supplementary Annual FeeS$75
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$30,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
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