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Excellent! ROSHI has found 23 No Annual Fee cards for you.

UOB EVOL Card

4.3Good to Excellent

8%Cash Back on Mobile Contactless spend

8%Cash Back on Online spend

0.3%Cash Back on other spend

Apply Now

On UOB's website

Card Features

  • Southeast Asia’s first bio-sourced card
  • Annual fee: S$192.60 first year waived
  • Subsequently waived after you make 3 transactions monthly
  • S$600 min spend, S$60 cashback cap
  • 8% cashback on online and mobile contactless spend

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee Waiver1 year fee waiver

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$80,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

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ICBC Horoscope Credit Card

3.8Good to Excellent

2%Cash Back on Selected Shopping and Dining

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all overseas spending
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2019
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual 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$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationUnionPay

  • Wireless PaymentQuickPass

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HSBC Revolution Credit Card

3.2Good to Excellent

S$1= 5X Pointson Online, Dining and Entertainment

S$1= 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion for Selected Airline Partners

  • 2 year annual fee waiver
Apply Now

On HSBC's website

Card Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online, Local Dining and Entertainment transactions
  • $1 = 1 Reward point. No minimum spend and earn as many Rewards points as you like
  • Access over 1,000 1-for-1 deals through ENTERTAINER with HSBC at just S$5

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$150

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay

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Citi SMRT Card

3.8Good to Excellent

5%Cash Back at Selected Grocery Stores

S$600Cash Back Cap per year

S$300Min. Spend per month

  • 2 years fee waiver for Principal and two (2) Supplementary cards
Apply Now

On Citibank's website

Card Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • 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$30,000.00

  • Foreigner$42,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

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UOB YOLO Credit Card

3.5Good to Excellent

Up to 8%on Online, Grab, Dining and Entertainment spend

Up to S$80Cash Back Cap per month

S$600Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 8% cash back on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
  • Up to 28% off at ZALORA, Lazada and more
  • Up to 18% off at Expedia, Agoda and more
  • Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
  • 0.3% cash back on all other spend
  • Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
  • Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

  • Anual 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$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

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Standard Chartered Platinum Visa/MasterCard Credit Card

3.8Good to Excellent

S$1 = 2X Pointson All Spend when you open a SCB Current Account

S$1 = 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion

  • Higher rewards on credit card spend
Apply Now

On Standard Chartered's website

Card Features

  • Earn up to 300 additional Rewards Points per month on your other banking relationships in deposits, mortgages, investments and online transactions
  • Enjoy exclusive Platinum privileges from leading hotels, golf courses, restaurants and merchants
  • 24-hour Concierge to help you with travel arrangements, reservations, shopping and gift services

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationMasterCard, Visa

  • Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay

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Standard Chartered Rewards+ Credit Card

3.5Good to Excellent

S$1= 10X Pointson Foreign Currency Spend

S$1= 5X Pointson Local Dining Spend

1 Point = 0.29 MilesRewards to Miles Conversion

  • Up to S$80 cashback sign up gift
Apply Now

On Standard Chartered's website

Card Features

  • Annual Fees waived for the first two years
  • 10X Rewards Points per S$1 spent in foreign currency, including online spends
  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
  • 1X Rewards Points per S$1 on all other spends
  • Rewards Points capped at 20,000 points per year
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless Payment Visa payWave, Apple Pay, Samsung Pay, Google Pay

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Standard Chartered Spree Credit Card

4.3Good to Excellent

3%Cash Back on Online Spends in Foreign Currency

S$60Cash Back Cap per month

S$0Min. Spend per month

  • New-To-Bank customers: Get up to S$100 Cashback
Apply Now

On Standard Chartered's website

Card Features

  • New-To-Bank customers: Get up to S$100 Cashback when you apply for SCB Rewards
  • Existing customers: Get up to S$20 Cashback when you apply for SCB Rewards
  • No minimum spend and up to S$60 cashback/month
  • 3% cashback on all online spends in foreign currency and vPost spends
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 1% cashback on all other retail transactions

Annual Interest Rate and Fees

  • Anual Interest Rate26.88%

  • Principle Annual Fee$193

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

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OCBC Cashflo Credit Card

4.6Good to Excellent

1%Cash Rebate with Monthly Bill of S$1,000 and above

S$100Cash Rebate Cap per month

S$0Min. Spend per month

Apply Now

On OCBC's website

Card Features

  • Stretch payments across 3 or 6 months with 0% interest
  • Up to 1% cash rebate on all spend
  • Discounts on movie tickets and F&B at Cathay Cineplexes

Annual Interest Rate and Fees

  • Anual 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$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationMasterCard

  • Wireless PaymentApple Pay, Samsung Pay, Google Pay

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OCBC Titanium Rewards Card (Blue)

4.1Good to Excellent

S$1 = 10 OCBC$on Online, Offline, Local and Overseas spend

S$50 Titanium cashwith 18,000 OCBC$

10 OCBC$ = 4 MilesRewards to Miles Conversion

  • 2 years annual fee waiver
Apply Now

On OCBC's website

Card Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • Up to 16% discount at Caltex and Esso stations
  • Complimentary JetQuay Quayside single trip service and discounted trip service
  • Enjoy exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline
  • First 2 years fee waiver for principle & supplementary cardmembers

Annual Interest Rate and Fees

  • Anual 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$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationMasterCard

  • Wireless PaymentApple Pay, Samsung Pay, Google Pay

Show More
See More Cards

  • No Annual Fee Basics

  • FAQs

  • Ask Away

What Exactly is a No Annual Fee Credit Card?

A no annual fee credit card is one that has absolutely no annual fee forever. Some banks offer temporary annual fee waivers for their credit cards. However, only a select few waive the fee permanently.

How can I Find the Best No Annual Fee Credit Card?

There’s no one best no annual fee credit card. The best for you will depend on where you tend to spend money and how often. If you don’t spend often, a no annual fee credit card without a minimum spend option. Make sure to keep an eye on interest rates too.

No Annual Fee Credit Cards with Great Perks (updated April 2022)

Credit Card NameFee WaiverPerks
POSB Everyday Card1 Year Fee WaiverHigh cash rebats on dining
and online shopping		Apply Now
OCBC 365 Credit Card2 Year Fee WaiverHigh cashback on dining &
online food delivery		Apply Now
Citi Cash Back Card1 Year Fee Waiver plus
2 Supplementary Cards		Save on dining, groceries
and Grab		Apply Now
DBS Altitude Card1 Year Fee WaiverEarn miles on online flight and
hotel transactions		Apply Now
Unlimited Cashback Credit Card
(Standard Chartered Bank)		2 Year Fee WaiverUnlimited cashback plus Ez-linkApply Now
UOB PRVI Miles Card1 Year Fee Waiver plus
2 Supplementary Cards		Highest miles per dollar spend ratioApply Now

What are the Benefits that Come with No Annual Fee Credit Cards?

You can Save More Money
Without the need to pay your annual fee, you can save anywhere up to $500 every year. This will depend on the level of credit card that you’ve chosen.
Lose the Fuss
You need only to worry about the costs of your purchases. There are very few additional fees with a no annual fee credit card.

What Kinds of No Annual Fee Credit Cards can I Choose From?

Most no annual fee credit cards are quite simple. However, some do come with a variety of useful benefits. Take a look at the sections below to learn what benefits to keep an eye out for:

No Annual Fee Frequent Flyer Credit Cards
You can use this type of credit card to earn additional points for flying purposes. Typically, frequent flyer cards have higher annual fees than most. Frequent flyer cards with no annual fee are highly advantageous as you gain the benefits without any cost or risk.

The best ones are found at HSBC and Maybank, as they offer the best annual fee waiver options.

Platinum No Annual Fee Credit Cards
Platinum cards have many more benefits than other card types. They act as a jack of all trades type of card where you will find an advantage no matter the area you tend to spend in.

This way, having a platinum no annual fee credit card is very valuable. You’ll likely find that the rewards aren’t quite as good as those with a typical platinum credit card, but omitting the annual fee removes any risk of losing money from it!

No Annual Fee Credit Cards with 0% Purchase Rate Offers
If you manage to find a credit card with both of these qualities, you’ve struck a gold mine! This would mean that you wouldn’t have to worry about either annual fees or interest rates at all.

Obviously, this isn’t a permanent thing. You couldn’t get 0% rates and waived annual fees forever. Typically, you will get these benefits for six to twelve months. So, this is a perfect card to look for if you are planning to spend a whole lot all at once, rather than small amounts over time.

No Annual Fee Rewards Credit Cards
This card removes the annual fee and gives you rewards for every single dollar you spend. Generally, you want to be spending a reasonable amount of money each month for this card to be worth much. However, since there’s no annual fee to worry about, the rewards are essentially free!
No Annual Fee Travel Credit Card With No Foreign Transaction Fee
Most credit cards require a transaction fee between 2% and 3.5% when transferring money into or out of a foreign country. The card mentioned above waives this fee as well as the annual fee.

The waivers on these cards tend not to last long, so aim to get it during a time where you’re planning to make a big overseas trip.

Are There Annual Fees for Every Kind of Credit Card?

Some cards do not have an annual fee. On top of that, certain credit cards allow you to waive the annual fee for several years.

How Can I Request an Annual Fee Waiver for My Credit Card?

You must call your bank right after seeing the bill for the annual fee. You will need to answer a few questions and the bank will determine whether you are eligible for a credit card fee waiver or not, depending on your payment history.

What are the Differences Between Credit Cards with vs without Annual Fees?

A credit card that comes with annual fees usually has better promotions and rewards than a credit card that doesn’t have them. Someone who spends quite a lot on one card would benefit more from a credit card with an annual fee. Those who use their card very little should look for one without an annual fee.

What Business Credit Card Should I Look for that Doesn’t have an Annual Fee?

While it may be difficult to work this out on your own, we have a fantastic comparison tool that will assist you in finding the best business credit card for you. It will help you find the very best in all of Singapore!

Have a question? Ask us about anything!

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