10 Best No Annual Fee Credit Card Singapore 

Are you looking for a no annual fee credit card Singapore? Without a doubt, this is one of the best choices you can make, especially when considering the cost of living in Singapore. 

By the way, who has never been stressed about the annual fee charged? And as the name suggests, the no annual fee credit card Singapore won’t have that problem. However, the question arises, does a card with no annual fee have interesting benefits? 

Our goal today is to answer this question, going beyond the cost of the card, detailing its attractions. After all, the benefits of the no annual fee credit card Singapore are the difference between the card you choose and the one you will set aside. Let’s go! 

After all, what does a card with no annual fee mean? 

It seems simple, but it is worth remembering. A card with no annual fee is one that does not charge the membership fee, just for keeping the card active. In many countries, this is already standard, but in Singapore, for a long time, it was common for even basic cards to come with this built-in fee. 

Now, does free mean no pranks? Not always. What happens is that these cards offer simpler rewards than premium ones. However, that doesn’t mean it’s a bad card.  

The Best Cards with No Annual Fee in Singapore 

Now, we will analyze each of the options, let’s go!  

1. Trust Link Credit Card (No annual fee credit card Singapore)

The Trust Link Credit Card is for those who shop at FairPrice frequently.  

You will get up to 21% direct discount on supermarket products and 1% cashback on other expenses.  

There is no annual fee, no withdrawal fee or international transactions, which makes the card extremely accessible for everyday use. However, interest rates are from 26.9% to 27.9% per year, with a late fee of S$100. 

Was the cashback what caught your attention the most? Then we recommend you to look at the best credit card with cashback Singapore. 

2. Trust Cashback Card 

The Trust Cashback Card follows the same simple proposal as Trust Link, but focuses on cashback. 

 You will have 1% on all purchases and up to 15% quarterly in a chosen category (food, travel or entertainment, for example).  

3. HSBC Revolution Credit Card (No annual fee credit card Singapore)

The HSBC Revolution Credit Card offers up to 10x points on online purchases, contactless payments and transport, equating to around 4 miles per dollar spent.  

These points can be converted into cashback (2.5%) or transferred to mileage programs.  

In addition, it includes exclusive promotions via the ENTERTAINER app.  

The card does not charge an annual fee and has a 20-day interest-free period if the invoice is paid in full. Interest on purchases is 26.9% p.a. Pay close attention to the late fee of S$100.  

4. Standard Chartered Smart Credit Card 

In Standard Chartered Smart Credit you can have up to 10% cashback in categories such as fast food, streaming, public transport and even electric vehicle charging.  

In addition, it allows interest-free installments for up to three months, Furthermore, rates vary between 23.9% and 29.9% per year, depending on the credit profile, with a late fee of S$100.  

5. UOB Evol Card (No annual fee credit card Singapore)

The UOB Evol Card is for young professionals and consumers. It grants up to 8% cashback on online purchases, contactless payments, and spending abroad.  

The differential is in maintenance. Although there is an annual fee of S$196.20, it is automatically exempt if you make only three purchases per month.  

This makes the card work as a “no annual fee” for active users. The interest-free period is 21 days, with annual interest of 27.8% on purchases. 

6. CIMB Visa Signature 

The CIMB Visa Signature is a robust and straightforward cashback card. Getting up to 10% cashback in supermarkets, online shopping, beauty, pet shops and even cruises. In other purchases, the return is 0.2%.  

The card does not charge an annual fee and maintains annual interest rates of around 28%, with an interest-free period of up to 23 days. The minimum payout is 3% of the balance or S$50. 

7. CIMB World Mastercard 

CIMB World Mastercard differentiates itself by offering unlimited cashback, with no monthly cap.  

It will have 2% in restaurants, delivery, cinemas, transportation and luxury items, and 1% in other purchases.  

You will also have access to VIP lounges at airports and discounts on golf green fees, with no annual fee.  

8. CIMB Visa Infinite (No annual fee credit card Singapore)

CIMB Visa Infinite is the bank’s free premium option, aimed at those who travel frequently.  

You will receive unlimited 2% cashback on travel and spending in foreign currency. In addition to 1% on other purchases.  

In addition, it will have travel insurance and access to lounges, without charging an annual fee.  

The financial conditions are identical to other CIMB cards: interest of 28% per year, a period of up to 23 days without interest and a late fee of S$100.  

9. CIMB AWSM Card 

The CIMB AWS Card is for students who are just starting to use credit.  

As a rule, you will have a simple cashback of 1% on all purchases, with occasional promotions in categories such as food, leisure and online shopping.  

The card does not charge an annual fee, but applies interest of about 28% p.a. in case of outstanding balance.  

10. Mari Credit Card 

The Mari Credit Card is the MariBank card, a digital bank created by Sea Group, owner of Shopee and Garena.  

In this alternative, you will earn 1.7% unlimited cashback on local purchases, 3% on Shopee (converted into Shopee Coins) and up to 4.5% on international spending.  

Remembering that it has no annual fee and still guarantees up to 51 days of interest-free period, as long as there is no previous balance.  

The minimum payment is 3% of the invoice plus overdue amounts, with interest of 27.99% p.a. on purchases and up to 30.99% in case of delay.  

Conclusion 

When looking for a no annual fee credit card Singapore, it is possible to look at more than just the costs. The advantages should also be analyzed. As you can see, most banks focus on cashback as an attraction. 

However, there are other advantages, such as discounts in certain establishments that can catch your attention and make all the difference in your choice. 

Of course, you won’t have unlimited airport access or free champagne on every trip. But you will have a great card for everyday life.