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Looking for the best Singapore credit card no foreign fee is the first step for anyone who wants to save money on international travel and purchases.
You need to analyze each Singapore credit card no foreign fee option in detail, focusing on the nuances. While some issuers offer total and immediate exemption from the FX fee, others apply the initial fee and fully refund it via cashback, resulting in zero cost but with the complexity of a spend and refund.
Our analysis compares the 07 main Singapore credit card no foreign fee options available. This will help you decide between traditional credit cards, with limits based on income, or prepaid multi-currency solutions that focus on mid-market exchange rates.
By the end of this reading, you will have a complete overview of the characteristics, benefits, and requirements of each Singapore credit card no foreign fee listed on the market. Let’s go!
Analyzing Singapore credit card no foreign fee
1. Trust Cashback Card
The Trust Cashback Card, a result of a joint-venture between Standard Chartered and FairPrice Group, launched in 2022, is a strong contender among Singapore credit card no foreign fee options.
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It offers full exemption from FX fees and charges no annual fee or withdrawal fee.
Its appeal is the immediate 1% cashback on all eligible purchases, which can go up to 15% in selected categories (such as supermarkets or transport). It is capped at S$250 per quarter.
Additionally, the card provides discounts of up to 21% at FairPrice stores and up to 20% at Caltex stations through a combination of cashback and Linkpoints, an integrated loyalty program.
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2. Trust Link Credit Card (Singapore Credit Card No Foreign Fee)
The Trust Link Credit Card is a variation of the Trust Bank card, maintaining the same fees (zero FX, zero annual fee, revolving interest of ~27.8% p.a.).
Although its cashback in Linkpoints is more modest, at 0.22% of spending, this card stands out for offering unlimited overseas withdrawals without any fees, provided it is linked to a Trust savings account.
The moderate minimum income requirement, generally S$30,000/year, makes it an option for travelers who need access to cash at international ATMs.
3. Mari Credit Card
The Mari Credit Card provided by MariBank, Sea Group’s digital bank, launched in 2023.
It handles the FX fee differently: it charges 3% (Mastercard network) but refunds it with 3% to 4.5% cashback on international transactions, bringing the cost to zero.
This no-annual-fee card focuses on online purchases, offering 5% cashback in Shopee Coins and an unlimited 1.7% cashback on other purchases.
Furthermore, an extended promotion until December 31, 2025, adds an extra 1% to 1.5% cashback on foreign currency spending.
By the way, this is a good travel credit card Singapore 2025.
4. GXS FlexiCard (Singapore Credit Card No Foreign Fee)
The GXS FlexiCard, from GXS Bank, is a card that charges no annual fee and does not require a minimum income. Additionally, it has a fixed and accessible limit of S$500.
Its main feature is the absence of traditional revolving interest. Instead, it charges a fixed fee of S$5 if the total balance is not settled by the due date.
The card offers random instant cashback, where each transaction above S$10 generates an unexpected refund of up to S$3, with no monthly cap.
It has an annual fee of S$54.50, waived for the first year. Furthermore, its target audience is gig economy workers and people with lower incomes.
5. UOB EVOL Card
The UOB EVOL Card from United Overseas Bank, is a Singapore credit card no foreign fee with permanent FX fee exemption.
As a rule, the card focuses on cashback, offering up to 6.4% return in digital categories such as online shopping, gyms, telecommunication operators, and streaming, provided monthly spending is at least S$800.
Additionally, there is a promotional 1% cashback on international spending until December 31, 2025. Not to mention the unlimited cashback on other purchases is 0.3%.
Its annual fee is S$196.20 after the first year and can be waived for 3 monthly transactions for 12 months. Its revolving interest is ~26.9% p.a.
6. DBS Live Fresh Card (Singapore Credit Card No Foreign Fee)
The DBS Live Fresh Card provided by DBS Bank uses an FX fee reimbursement strategy. It will compensate its 3.25% fee with a 3.25% cashback on in-person purchases made in specific Asian countries.
Moreover, this card has a strong appeal for cashback, offering up to 6% on online purchases and daily transport, with a minimum monthly spend of S$800.
For general spending, it offers an unlimited 0.3% cashback.
Furthermore, it has an annual fee of S$194.40 (first year free) and revolving interest of ~26.8% p.a.
7. YouTrip Multi-currency Card
The YouTrip Multi-currency Card provided by You Technologies, launched in 2018, is a multi-currency wallet that is not a credit card. It requires the balance to be topped up beforehand (with a top-up limit of S$20,000).
Initially, it stands out for its FX fee exemption and conversion close to the wholesale rate, with an average spread of only 0.1%.
YouTrip allows you to hold balances in 12 currencies and is accepted in over 150 currencies globally.
It also allows free overseas withdrawals up to S$400 per month, charging 2% on the excess.
Comparative Table of Singapore Credit Card No Foreign Fee
| Card / Issuer | Approximate Limit | Main Fees (FX, Annual) | Payment Term |
| Trust Cashback Card (Trust Bank) | Up to 4× monthly salary | No FX fee; Annual: none | 21 days interest-free |
| Trust Link Credit Card (Trust Bank) | Similar to Cashback | No FX fee; Annual: none | 21 days interest-free |
| Mari Credit Card (MariBank) | Up to 4× monthly salary | 3% FX fee refunded via cashback; Annual: zero | 20 to 25 days interest-free |
| UOB EVOL Card (UOB) | Up to 4× monthly salary | Zero FX fee; Annual: S$196.20 (1st year free) | 20 days interest-free |
| GXS FlexiCard (GXS Bank) | Fixed limit S$500 | Zero FX fee; Annual: S$54.50 (1st year free) | Minimum S$15 (Fixed fee S$5) |
| DBS Live Fresh Card (DBS) | Up to 4× monthly salary | 3.25% FX fee refunded (in some Asian destinations); Annual: S$194.40 (1st year free) | 25 days interest-free |
| YouTrip Multi-currency Card (YouTrip) | Not credit; deposited balance | Zero FX fee; Wholesale exchange rate; Annual: zero | N/A – Prepaid |
| Wise Card (Wise) | Not credit; according to balance | Zero FX fee; Mid-market exchange rate (conversion fee from 0.43%); Annual: zero | N/A – Prepaid |
Conclusion (Singapore Credit Card No Foreign Fee)
In summary, choosing the ideal credit card in Singapore, without international transaction fees, depends on your spending patterns.
Whether it’s a card that doesn’t charge exchange fees from the start, or one that charges them but offers reimbursement in the form of cashback, the ultimate goal is the same: minimize costs and maximize benefits abroad.
By analyzing the 8 best options, ranging from traditional credit cards like the Trust Cashback Card and the UOB EVOL Card, to flexible digital. Wallets with multiple currencies like the YouTrip Multi-currency Card and the Wise Card, you now have a clear vision of the limits, annual fees, payment conditions, and international benefits.
Use this information to choose the card that best suits your travel frequency, spending, and preference for simplicity or complexity.