Why Trust MoneySmart?Among UOB’s credit card range, only a select few are structured to be “no annual fee”—and even then, this status is conditional.
Instead of being fundamentally fee-free, these UOB cards usually waive the annual fee automatically when you meet straightforward usage requirements (such as making a certain number of transactions each month).
This approach lets you avoid annual charges with minimal effort, provided you use the card regularly.
Perpetual annual fee waiver if you make at least three transactions per calendar month (of any value).
This condition applies to both principal and supplementary cardholders.
The card’s fee waiver terms are documented on UOB’s official product page, as well as on independent local comparison sites.
Conditional perpetual fee waiver applies with simple spend or usage requirements (refer to latest terms on the UOB Singtel card site for specifics).
Also recognised across leading Singapore finance portals as a “no annual fee” option with these conditions.
Key points regarding fees
The UOB EVOL Card not only offers a perpetual fee waiver with simple usage (minimum three transactions monthly), but also provides $0 foreign transaction fees on selected merchants and high cashback on local online/contactless payments for eligible spend.
Most other UOB credit cards, including popular products like UOB One Card, offer only a first-year annual fee waiver and will begin charging the annual fee from the second year, unless you apply for another waiver through the UOB TMRW app or via customer service.
UOB makes fee waiver terms explicit on their website, and both UOB EVOL and Singtel-UOB cards are regularly highlighted for their cost-effectiveness in Singapore comparison tables.
If you are mainly looking to avoid annual fees entirely, the UOB EVOL Credit Card—with its perpetual waiver for three monthly transactions—is currently the most accessible choice in the UOB line-up.
