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    Best Credit Cards with No Annual Fees

    There are many conditions that we want fulfilled in the credit card of our choice starting from the rewards, discounts, air miles, etc. that complement our lifestyle the best and maximize our savings. More often than not, most reward credit cards today also come with a high price tag in the form of an annual fee that is slapped on your bill year after year. This is the fee you are paying to use a particular credit card and nothing else. This fee varies depending on the card and the card issuer.

    Credit cards with no annual fee

    There are however some credit cards in Singapore today that are high on rewards as well as provide an annual fee waiver for life, i.e. perpetual fee waiver where you never have to pay the card issuer a fee for using this card for as long as you choose to have it. These credit cards that charge no annual fees give you cash rebates as well as rewards on travel, dining, entertainment, shopping and much more.

    How to choose No Annual Fee Credit Cards

    There are various parameters that you should consider when choosing a credit card with no annual fees:

    • Credit card issuer – There are over 10 reputed banks in Singapore that offer a plethora of credit card options to customers. It is advisable to choose one that offers good customer service and assistance.
    • Interest rates – Interest rates on credit cards in Singapore average between 24% p.a. and 28% p.a. You don’t want to choose a credit card that does not charge an annual fee but charges a very high interest rate. This will cost you more in the long run.
    • Promotional rates – Many banks offer promotional rates when using a credit card for a balance transfer or offer promotional rates on other credit lines such as loans, deposits, etc. for maintaining a relationship with the bank.
    • Credit card rewards – Choose a credit card that offers high rewards on categories that you spend on the most such as travel, shopping, dining, etc. This way, you’ll get the maximum rewards on your credit card spends.
    • Sign-up bonuses – Many credit card issuers offer sign-up bonus when applying for a credit card. This can be in the form of gifts such as luggage, a wrist watch, shopping vouchers, etc. or even in the form of air miles, cashback or credits.

    Credit Cards with No Annual Fee

    CIMB Credit Cards With No Annual fee

    CIMB Credit Cards Promotion:

    • CIMB Epicure Dining in the City Promotion:
    • TungLok XiHé Peking Duck – Get 10% discount on the total food bill.
    • 8 Noodles - Get 10% discount on the total food bill.
    • Grandma’s – Spend at least S$50++ and enjoy 10% discount.
    • Naughty Nuri’s – Enjoy 10% discount on the St. Louis signature ribs.
    • Edge - Get 10% discount on lunch/dinner total bills.
    • Many more offers across different cuisines served by restaurants in Singapore.
    • This promotion is valid until December 31, 2017.

    CIMB Visa Signature Credit Card

    Features and Benefits at a glance:

    • Enjoy 10% cash rebate on Wine and Dine.
    • Enjoy 10% cash rebate on online transactions in foreign currency.
    • Enjoy 0.2% cash rebate on everything else with no cap.
    • No administrative fee charged on transactions in foreign currency.
    • Complimentary travel insurance for you and your family up to US$500,000.

    CIMB Visa Infinite Card

    Features and Benefits at a glance:

    • Spend at least S$2,000 per statement month and get 2% cash rebate on travel purchases, online purchases in foreign currency and overseas purchases.
    • Get a Priority Pass Membership with access to more than 700 VIP airport lounges in the world.
    • Enjoy a Personal Concierge service with this credit card.
    • Get complimentary travel insurance for you and your family.
    • Dining Privileges with up to 50% off at partner merchants.

    CIMB Platinum MasterCard

    Features and Benefits at a glance:

    • Enjoy 10% cash rebate on purchase of travel tickets and hotel bookings.
    • Enjoy 10% cash rebate on purchases related to Health, Beauty and Wellness.
    • Enjoy 0.2% cash rebate on everything else with no cap.
    • No administrative fee charged on transactions in foreign currency.

    HSBC Credit Cards With no Annual fee

    HSBC Credit Card Promotions:

    • Enjoy 1+1 on your main course at Grounded by CMCR between Mondays and Fridays. Valid until June 30, 2017.
    • Spend at least S$100 at Zalora and get 15% discount across the store. Valid until December 31, 2017.
    • Enjoy 9% discount on HSBC’s Vacations through Asiatravel.com. Valid until December 31, 2017.

    HSBC Advance Visa Platinum Credit Card

    Features and Benefits at a glance:

    • Enjoy 10X Rewards on your online transactions including flight/concert/movie tickets, travel/hotel/taxi bookings, paying insurance premiums, ordering food online, online shopping, etc.
    • Enjoy 10X Rewards on your dining transactions in Singapore at cafes, restaurants and fast food establishments.
    • Enjoy 10X Rewards on your entertainment transactions in Singapore at bars, pubs, clubs and family KTVs.
    • Earn 1X Rewards per S$1 spent on everything else.

    Credit Cards with Annual Fee Waivers

    OCBC Credit Cards with Annual fee Waivers

    OCBC Credit Card Promotions:

    • Avis – Enjoy up to 35% discount on fares on your Visa credit card. Valid until December 31, 2017.
    • Bintan Lagoon Resort – Enjoy discounts of 10% on holiday packages and F&B. Valid until January 31, 2018.
    • Expedia – Enjoy 10% discount on your hotel bookings. Valid until January 31, 2019.

    OCBC 365 Credit Card

    Features and Benefits at a glance:

    • Annual fee waiver – 2 years.
    • Get 3% cashback on local weekday and overseas dining. 6% cashback on local weekend dining.
    • Get 3% cashback on online shopping including purchase of movie tickets, fashion and travel purchases using OCBC 365 Card.
    • Get 6% cashback on fuel purchases at Caltex. 5% cashback across every other fuel station.
    • Get 3% cashback on purchases at supermarkets in Singapore.
    • Get 3% cashback on recurring telecommunication bills including M1, StarHub and SingTel.
    • Get 0.3% cashback on everything else.
    • Minimum monthly spend of S$600 is required to earn cashback, otherwise you will get 0.3% cashback on all purchases.

    OCBC FRANK Credit Card

    Features and Benefits at a glance:

    • Annual fee waiver – 2 years.
    • Earn 6% rebate on online transactions including purchase of gadgets, clothes, flight and hotel bookings, etc. Enjoy an additional 2% rebate on the Apple Online Store when making eligible purchases.
    • Earn 5% rebate on entertainment related purchases with OCBC Frank Card between Fridays and Sundays at KTVs, clubs, bars, cinema and select cafes. 3% rebate on entertainment related purchases during the rest of the week.
    • Minimum monthly spend of S$400 is required and the monthly rebate is capped at S$60.
    • Design your own credit card by choosing from 120 different card designs.

    HSBC Credit Cards With Annual fee Waiver

    HSBC Revolution Credit Card

    Features and Benefits at a glance:

    • Annual fee waiver – 2 years.
    • Enjoy 5X Rewards points or 2 air miles on your online transactions including flight/concert/movie tickets, travel/hotel/taxi bookings, paying insurance premiums, ordering food online, online shopping, etc.
    • Enjoy 5X Rewards or 2 air miles on your dining transactions in Singapore at cafes, restaurants and fast food establishments.
    • Enjoy 5X Rewards or 2 air miles on your entertainment transactions with hsbc revolution in Singapore at bars, pubs, clubs and family KTVs.
    • Earn 1X Rewards per S$1 spent on everything else.

    DBS/POSB Credit Cards with Annual fee Waiver

    DBS Credit Card Promotions:

    • Kaligo – Get up to 13 air miles for every S$1 spent at Kaligo on your DBS Altitude Cards. Valid until December 31, 2017.
    • Alila Hotels and Resorts: 2 Faces of Bali - DBS Altitude Credit Cardholders will enjoy customized package trips to Bali at discounted prices. Valid until March 31, 2018. The packages are:
      • Alila Manggis and Alila Seminyak at US$700 per couple.
      • Alila Seminyak and Alila Ubud at S$750 per couple.
      • Alila Seminyak and Alila Villas Uluwatu at US$1,685 per couple.
      • Alila Ubud and Alila Villas Uluwatu at US$1600 per couple.

    DBS Altitude Visa Signature Card

    Features and Benefits at a glance:

    • Annual fee waiver – 1 year.
    • Until July 31, 2017, spend at least S$2,500 every calendar month and earn double reward points on your transactions where S$1 spent will be equivalent to up to 6 miles.
    • Earn 3 miles per S$1 spent on online flight ticket purchases and hotel bookings up to S$5,000 a month.
    • Earn 2 miles per S$1 spent overseas in foreign currency.
    • Earn 1.2 miles per S$1 spent in Singapore.
    • Get a complimentary Priority Pass Membership where you will enjoy 2 complimentary access to global airport lounges per 12 month period.
    • Enjoy complimentary travel accident insurance cover up to S$1 million.
    • Enjoy personalized assistance from DBS Altitude Butler Service.
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