Best No Annual Fee Credit Cards in Singapore 2018

Updated October 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

Citibank SMRT Card

Citibank SMRT Card

Excellent

Get $200 Vouchers

Citibank SMRT Card
Excellent

Citibank SMRT Card

Get $200 Vouchers

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!

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
Citi Rewards Card

Citi Rewards Card

Excellent

Get $200 Vouchers

Citi Rewards Card
Excellent

Citi Rewards Card

Get $200 Vouchers

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!

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
Standard Chartered Unlimited Cashback Credit Card
Excellent

2 years

Annual fee waiver

S$192.6

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
  • +3 more

Other Promotions

  • Stand a chance to win a trip for 2 to New York or up to S$1000 cashback
  • Get 15% cashback with Grab
  • Up to 50% off dining at The Fullerton Hotel

No Annual Fee Features

  • 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
Excellent

2 years

Annual Fee Waiver

S$192.60

Annual Fee

26.88%

Annual Interest Rate

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
Excellent

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

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
Excellent

2 years

No Annual Fee

S$192.60

Annual Fee

26.88%

Annual Interest Rate

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
Excellent

2 years

Annual Fee Waiver

S$160.50

Annual Fee

26.88%

Annual Interest Rate

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
American Express Singapore Airlines KrisFlyer Credit Card
Very Good

1 year

Annual Fee Waiver

S$176.5

Annual Fee

25.90%

Annual Interest Rate

  • Get S$20 NTUC Voucher
  • Get 15,800 Bonus KrisFlyer Miles

No Annual Fee Features

  • 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
Very Good

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

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
Very Good

2 years

Annual fee waiver

S$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

Other Promotions

  • Get 15% cashback with Grab

No Annual Fee Features

  • 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
Standard Chartered Rewards+ Credit Card
Very Good

2 years

Annual fee waiver

S$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
  • +3 more

Other Promotions

  • Get 15% cashback with Grab
  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

No Annual Fee Features

  • 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
Very Good

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

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
Satisfactory

1 year

Annual fee waiver

S$192.60

Annual Fee

25.90%

Annual Interest Rate

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
Satisfactory

1 year

Annual fee waiver

S$192.6

Annual Fee

25.90%

Annual Interest Rate

  • Win a pair of SQ Suites return tickets to one of these 5 locations

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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