No Annual Fee Credit Cards in Singapore
No one likes paying fees. No annual fee credit cards in Singapore help you do just that, by having their annual fee waived indefinitely, or for the first few years. Make sure to read the fine print for any minimum spend!
Up to $250 cash credit when you apply for a new credit card
8% cashback on Grab, Dining and Entertainment spend
3% cashback on Online Fashion and Travel spend
Up ti 3.88% P.A. interest rates with UOB One Account
Purchases Intro: 25.90%
Fee Year 1: $0.00
Min Income: $30,000
Purchases Intro: 25.90%
Fee Year 1: $0.00
Min Income: $30,000
Promotions
Spend a minimum of $1,500 within the first 30 days of their new card approval
Balance Transfer
Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%
Ongoing: 28%
Cash Back
Up to 8% back
on weeknd Grab, dining
& entertainment
(local & overseas)
3% cashback on weekday Grab, dining, entertainment, online fashion, and travel
0.3% back on all non-bonus spend
Min Cashback Rate: 0.30%
Max Cashback Rate: 8%
Min Qualifying Spend: $600
Max Qualifying Spend: $1,200
Max Cashback in Month: $60
No Annual Fee
First 1 year card fee waived
1st Supplementary Card — Free for life
Online Shopping
3% - 8% cashback for Online Fashion Shopping
Online Fashion Transaction means the card transaction made via fashion websites that sells clothes, shoes, jewellery, accessories and bags as its main business activity, in both foreign and local currencies
Dining
3% to 8% Cashback
Student
3% - 8% off Weekend Grab Card Transactions (with effect from 10 April 2018)
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Foreigner
Minimum Annual Income: $30,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: UOB
Type: Secured Credit Card
Bank: UOB
Type: Secured Credit Card
Rates
Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 28% per annum on all outstanding on the cash advance amount, calculated on a daily basis, from the date of the cash advance until the date the outstanding is paid in full
Interest Free Period (days): 21
Purchases Ongoing: 25.90%
Cash Advance: 28% per annum on all outstanding on the cash advance amount, calculated on a daily basis, from the date of the cash advance until the date the outstanding is paid in full
Interest Free Period (days): 21
Fee Details
Year 1: $0.00
Ongoing: $192.60
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Ongoing: $192.60
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback
Up to 16% instant discount plus 5% cash rebate on fuel spend at Caltex and Shell stations
Up to 16% instant discount plus 5% cash rebate on fuel spend at Caltex and Shell stations
Purchases Intro: 25.90%
Fee Year 1: $192.60
Min Income: $30,000
Purchases Intro: 25.90%
Fee Year 1: $192.60
Min Income: $30,000
Promotions
Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback
Cash Back
Min Cashback Rate: 5%
Max Cashback Rate: 5%
Min Qualifying Spend: $600
Max Cashback in Month: $83
No Annual Fee
Annual fee is waived for the first two years from the date the HSBC Revolution credit card or HSBC Visa Platinum credit card is issued
To qualify for the subsequent annual fee waiver, a minimum annual spending of $12,500 must be made on your respective credit card account
Petrol
5% cash rebate on fuel
Petrol Merchants refer to Caltex and Shell service stations in Singapore with MCC= 5541 Service Stations
Dining
5% Cashback on Dining
Student
5% cashback on groceries as accepted merchants
"Groceries Merchants" refer to all merchants in Singapore that have their main business activities classified as grocery stores and supermarkets (MCC=5411)
Luggage
Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Foreigner
Minimum Annual Income: $30,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: HSBC
Type: Credit Card
Bank: HSBC
Type: Credit Card
Rates
Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Fee Details
Year 1: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: 6% with a minimum $15.00 fee plus 28% p.a.
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: 6% with a minimum $15.00 fee plus 28% p.a.
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Get $40 cashback when you sign up!
Get $50 cash rebate upon approval. No minimum spend required
Apply online by 31 July 2019!
Purchases Intro: 26.88%
Fee Year 1: $192.60
Min Income: $30,000
Purchases Intro: 26.88%
Fee Year 1: $192.60
Min Income: $30,000
Promotions
Get $40 cashback when you sign up with Sembcorp Power, Senoko Energy, Keppel Electric or Geneco on your recurring electricity bill payment. Valid for the first 4,000 customers per electricity retailer.
Get $50 cash rebate upon approval. No minimum spend required
Apply online by 31 July 2019!
Balance Transfer
Ongoing: 5.34% p.a for 6 months and 5.20% for 12 months
Cash Back
Min Cashback Rate: 0.30%
Max Cashback Rate: 6%
Min Qualifying Spend: $800
Max Cashback in Month: $80
Miles/Travel
$500,000 Complementary Travel Insurance
No Annual Fee
Annual fee is waived for the first two years from the date
Petrol
5% cashback on fuel spend at all other petrol service stations.
Up to 20.4% Fuel savings at Esso (Till 30 June 2019)
Dining
6% Cashback on Dining
Local and overseas dining, every day
Online food delivery
Student
3% Cashback on local and overseas groceries!
3% Cashback on Local and overseas private hire rides, including bikes (e.g. Grab, Go-Jek and TADA)
Local and overseas taxi (e.g. ComfortDelGro)
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $45,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: OCBC Bank
Type: Credit Card
Bank: OCBC Bank
Type: Credit Card
Rates
Purchases Introductory: 26.88%
Purchases Ongoing: 26.88%
Cash Advance: 6% with a minimum $15.00 fee plus 28.92% p.a.
Interest Free Period (days): 20
Purchases Ongoing: 26.88%
Cash Advance: 6% with a minimum $15.00 fee plus 28.92% p.a.
Interest Free Period (days): 20
Fee Details
Year 1: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Get up to $150 cashback when you apply online
Enjoy up to 12 free rides when you SimplyGo with UOB
Up to $360 cash rebate each year on Singtel bills
Singtel vouchers up to $300 every year with minimum $12,000 local spend each year
Waived annual fee for life with recurring Singtel bill payment
Purchases Intro: 25.90%
Fee Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card.
Min Income: $30,000
Purchases Intro: 25.90%
Fee Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card.
Min Income: $30,000
Promotions
Charge at least $1,500 within the first 30 days
Tap to pay and earn 10 free rides with UOB Cards and bonus 2 free rides with mobile payment when you spend $40 on transit in a month
Balance Transfer
Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%
Ongoing: 28%
Cash Back
At least 1% cash rebate on Singtel bills
$100 Singtel voucher with minimum $12,000 annual card spend and $300 Singtel voucher with minimum $24,000 annual spend
Min Cashback Rate: 0%
Max Cashback Rate: 1%
Min Qualifying Spend: $0
Max Cashback in Month: $30
No Annual Fee
Charge Singtel bill to card on a recurring basis to waive principal and supplementary annual fees
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Foreigner
Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: UOB
Type: Credit Card
Bank: UOB
Type: Credit Card
Rates
Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21
Fee Details
Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card.
Year 2: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Year 3: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Ongoing: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Waived Minimum Spend: Charge Singtel on a recurring basis to your card
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details
Year 2: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Year 3: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Ongoing: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Waived Minimum Spend: Charge Singtel on a recurring basis to your card
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details
Receive a Samsonite T5 68cm Spinner with built-in scale worth $560 or $150 cashback
One-time promotional rate of 1.68% p.a. for 6-month balance transfers
Up to 3.5% cashback on all purchases
No minimum spend required
1 year annual fee waiver (perpetually waived for HSBC Advance banking customers)
Purchases Intro: 25.90%
Fee Year 1: $0.00
Min Income: $30,000
Purchases Intro: 25.90%
Fee Year 1: $0.00
Min Income: $30,000
Promotions
Must spend $800 within qualifying period
All balance transfer applications under this promotion must be received by HSBC within 3 months from the card account opening date
Existing HSBC cardholders can earn $80 bonus cash instead of $150 cashback or Samsonite T5 68cm
Balance Transfer
Introductory: 1.68% for 6 months
Ongoing: 28%
Ongoing: 28%
Cash Back
1.5% cashback on all purchases when you spend $2,000 and below
2.5% cashback on all purchases when you spend above $2,000
HSBC Advance banking customers enjoy an exclusive additional 1% cashback (up to 3.5% back)
Min Cashback Rate: 0.03%
Max Cashback Rate: 3.50%
Min Qualifying Spend: $0
No Annual Fee
Maintain an Advance Banking relationship to perpetually waive the annual fee
Luggage
Get a Samsonite T5 68cm Spinner with built-in scale worth $560 with a minimum spend of $800 within qualifying period
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Foreigner
Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: HSBC
Type: Credit Card
Bank: HSBC
Type: Credit Card
Rates
Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Fee Details
Year 1: $0.00
Year 2: $192.60
Year 3: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,500 or maintain Advance Banking Relationship
Late Payment Fee: $55
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Year 2: $192.60
Year 3: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,500 or maintain Advance Banking Relationship
Late Payment Fee: $55
Description: Subject to minimum $2.50 finance charge
Provider Fee Details
Cashback up to $240
Luggage up to $620 worth of welcome rewards
Save up to $1,800 annually with 5% cash rebate on dining, groceries, petrol and transport (includes taxis, buses, trains), both locally and overseas
1x Rewards points for every dollar spent
Suite of travel privileges
Purchases Intro: 25.90%
Min Income: $30,000
Purchases Intro: 25.90%
Min Income: $30,000
Promotions
$180 cashback for principal application. $30 for supplementary application, capped at 2 supplementary applications.
Samsonite T5 68cm Spinner with built-in scale worth $560 for principal card application. and $30 each for the first two supplementary card applications
Balance Transfer
Introductory: 1.68% for 6 months
Ongoing: 28%
Ongoing: 28%
Cash Back
5% cash rebate on dining, petrol, and transit (both local and abroad)
1x point for non-bonus spend
Min Cashback Rate: 1.00%
Max Cashback Rate: 5%
Min Qualifying Spend: $600 to earn 5% back
Max Qualifying Spend: $3,000
Max Cashback in Month: $150
Miles/Travel
Complimentary Quayside single-trip service at JetQuay CIP Terminal at Singapore Changi Airport until 31 October 2019
Discounted LoungeKey access
Unlimited Wi-Fi through Boingo at 1million hotspots worldwide
No Annual Fee
Maintain HSBC Premier membership
Petrol
Up to 16% instant discount plus 5% cash rebate on your petrol spend at Caltex and Shell Stations in Singapore
Overseas Spending
Up to 5% back on dining, groceries, petrol, and transport overseas
Dining
Up to 5% back
Luggage
Samsonite T5 68cm Spinner with built-in scale worth $560 with minimum $800 charge in the first month
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Foreigner
Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: HSBC
Type: Credit Card
Bank: HSBC
Type: Credit Card
Rates
Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20
Fee Details
Up to $180 cash rebate
Shop for groceries and win prizes
3% rebate on contactless and online spending
Exclusive access to 6 SAFRA Clubhouses islandwide
Can redeem rewards online for statement credit or KrisFlyer miles
Purchases Intro: 26.8% (Minimum charge: $2.50)
Min Income: $30,000
Purchases Intro: 26.8% (Minimum charge: $2.50)
Min Income: $30,000
Promotions
Charge a minimum spend of $500 per month for the first two calendar months from card approval date and get up to $180 cash rebate
Shop for groceries through 31 October 2019 and hit spend goal to win cash credits or dining vouchers
Balance Transfer
Introductory: 0% for up to 12 months
Ongoing: 26.80%
Ongoing: 26.80%
Cash Back
3% on online transactions
3% on local Mastercard contactless transactions (including bus/train rides via SimplyGo)
0.3% on all other retail transactions
Min Cashback Rate: 0.30%
Max Cashback Rate: 3%
Min Qualifying Spend: $500
Miles/Travel
Exclusive access to 6 SAFRA Clubhouses islandwide
Can redeem purchase rewards for KrisFlyer miles
No Annual Fee
Maintain SAFRA membership
Online Shopping
3% cash rebate
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: DBS
Type: Credit Card
Bank: DBS
Type: Credit Card
Rates
Purchases Introductory: 26.8% (Minimum charge: $2.50)
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Fee Details
Waived Minimum Spend: Maintain SAFRA membership
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Get $10 off your foodpanda order
No annual fees for 5 years
0.3% back on all spend
No annual fee for five years
Use the same card for your bus/train rides and ATM withdrawals
Purchases Intro: 26.8% (Minimum charge: $2.50)
Purchases Intro: 26.8% (Minimum charge: $2.50)
Promotions
From now till 31 December 2019, get $10 off your foodpanda order when you spend a minimum of $150 anywhere within 30 days from card approval date
Annual fee waived for 5 years and no minimum annual income requirement
Balance Transfer
Introductory: 0% for up to 12 months
Ongoing: 26.80%
Ongoing: 26.80%
Cash Back
0.3% back on all spend
Min Cashback Rate: 0.30%
Max Cashback Rate: 0.30%
Min Qualifying Spend: $0
No Annual Fee
Annual fee waived for first 5 years
Dining
Discount promo codes with select retailers
Student
Annual fee waived for first 5 years
No income requirement
$500 credit limit with no minimum spend
Eligibility Criteria
Citizen/Permanent Resident
Min Age: 18
Card Essentials
Issuer: Visa
Bank: DBS
Type: Credit Card
Bank: DBS
Type: Credit Card
Rates
Purchases Introductory: 26.8% (Minimum charge: $2.50)
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Fee Details
Ongoing: $192.60
Waived Minimum Spend: Waived for first 5 years
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Waived Minimum Spend: Waived for first 5 years
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Get up to $120 fuel savings when you apply for DBS Esso Card today
Win a 5D4N Porsche Ice Driving Experience in Finland
Up to 21.2% fuel savings at Esso
Earn Smiles Points on all your card spend
0% interest-free Instalment Payment Plan for Motor Insurance and Road Tax
Purchases Intro: 26.8% (Minimum charge: $2.50)
Min Income: $30,000
Purchases Intro: 26.8% (Minimum charge: $2.50)
Min Income: $30,000
Promotions
Minimum of $250 nett fuel spend per month at any Esso service stations in Singapore for any 4 months from Card approval date
Earn 1x chance for every $60 spend at Esso and 2x chances for every $60 spend outside Esso
Balance Transfer
Introductory: 0% for up to 12 months
Ongoing: 26.80%
Ongoing: 26.80%
No Annual Fee
Staff of ExxonMobil Asia Pacific Pte Ltd will enjoy annual fee waiver on the principal card and corresponding supplementary card(s) during their employment with the company
Petrol
Up to 21.2% fuel savings at Esso
Every $10 charged outside of Esso = 1 Smiles Point
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $45,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: DBS
Type: Credit Card
Bank: DBS
Type: Credit Card
Rates
Purchases Introductory: 26.8% (Minimum charge: $2.50)
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Fee Details
Year 2: $192.60 (Principal Card)
$96.30 (each Supplementary Card)
Year 3: $192.60 (Principal Card) $96.30 (each Supplementary Card)
Ongoing: $192.60 (Principal Card) $96.30 (each Supplementary Card)
Waived Minimum Spend: Staff of ExxonMobil Asia Pacific Pte Ltd will enjoy annual fee waiver on the principal card and corresponding supplementary card(s) during their employment with the company
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Year 3: $192.60 (Principal Card) $96.30 (each Supplementary Card)
Ongoing: $192.60 (Principal Card) $96.30 (each Supplementary Card)
Waived Minimum Spend: Staff of ExxonMobil Asia Pacific Pte Ltd will enjoy annual fee waiver on the principal card and corresponding supplementary card(s) during their employment with the company
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Apply now and enjoy up to 48,000 miles
Earn 50% more miles on your card spend in the first 3 months from card approval date
Up to 3.2 miles per $1 spent
24/7 concierge service wherever you are
Redeem a one-way private limousine transfer from just 2,500 DBS Points
Purchases Intro: 26.8% (Minimum charge: $2.50)
Fee Year 1: $535.00
Purchases Intro: 26.8% (Minimum charge: $2.50)
Fee Year 1: $535.00
Promotions
Charge a minimum of $6,000 within the first 3 months from card approval
Charge a minimum of $6,000 within the first 3 months from card approval
50% more miles, capped at 10K miles per CM
Balance Transfer
Introductory: 0% for up to 12 months
Ongoing: 26.80%
Ongoing: 26.80%
Miles/Travel
3.2 miles at select luxury boutiques with minimum $300 in a single receipt
2.4 miles for all overseas spend
1.2 miles for all local spend
No Annual Fee
Fee waived for DBS Treasures clients
Overseas Spending
2.4 miles for all overseas spend
Dining
Special offers at over 1,000 dining partners
Eligibility Criteria
Citizen/Permanent Resident
Min Age: 21
Foreigner
Min Age: 21
Card Essentials
Issuer: American Express
Bank: DBS
Type: Credit Card
Bank: DBS
Type: Credit Card
Rates
Purchases Introductory: 26.8% (Minimum charge: $2.50)
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Purchases Ongoing: 26.8% (Minimum charge: $2.50)
Cash Advance: 28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Interest Free Period (days): 20
Fee Details
Year 1: $535.00
Year 2: $535.00
Year 3: $535.00
Ongoing: $535.00
Waived Minimum Spend: Maintain DBS Treasures membership
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Year 2: $535.00
Year 3: $535.00
Ongoing: $535.00
Waived Minimum Spend: Maintain DBS Treasures membership
Late Payment Fee: $100
Description: Only assessed if outstanding balance is $50.01 or above
Provider Fee Details
Welcome gift of 30,000 Citi Miles
Welcome gift of 10,000 Citi Miles
Earn 2 Citi Miles on foreign currency spend
Earn 1.2 Citi Miles on local spend
Earn up to 10 Citi Miles per $1 spent on online travel bookings
Purchases Intro: 20.90%
Min Income: $30,000
Purchases Intro: 20.90%
Min Income: $30,000
Promotions
Spend $7,500 within 3 months to earn 30,000 Citi Miles
Spend $3,000 within 3 months to earn 10,000 Citi Miles
Can only qualify for either 10,000 bonus miles or 75,000 bonus miles
Balance Transfer
Introductory: 20.90%
Ongoing: 26.90%
Ongoing: 26.90%
Miles/Travel
Earn up to 10 Citi Miles per $1 spent on online travel bookings
2 complimentary Priority Pass visits per calendar year
1 Citi Mile = 1 mile with Krisflyer, Asia Miles, Qantas and other airlines’ frequent flyer and hotel loyalty programs
No Annual Fee
No annual fee for supplementary cards.
No annual fee for supplementary cards.
Overseas Spending
2 Citi Miles per $1 in foreign currency transactions
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $42,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Citibank
Type: Credit Card
Bank: Citibank
Type: Credit Card
Rates
Purchases Introductory: 20.90%
Purchases Ongoing: 26.90%
Cash Advance: 26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Interest Free Period (days): 25
Purchases Ongoing: 26.90%
Cash Advance: 26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Interest Free Period (days): 25
Fee Details
Year 2: $192.60
Year 3: $192.60
Ongoing: $192.60
Late Payment Fee: $100
Description: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of $100 will be levied
Provider Fee Details
Year 3: $192.60
Ongoing: $192.60
Late Payment Fee: $100
Description: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of $100 will be levied
Provider Fee Details
$100 cash credit
Up to 3% p.a. interest with Save Up Programme
Up to 3.33% cash rebates on local spend
$3 off movie tickets at Shaw Theatres
Low interest rate of 15% p.a
Purchases Intro: 15.00%
Min Income: $30,000
Purchases Intro: 15.00%
Min Income: $30,000
Promotions
Apply for two new Maybank Credit Cards and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of $800 within the first two months of approval
Choose up to 3 products and enjoy a higher interest rate on the first $50,000 in your SaveUp account
Balance Transfer
Introductory: 0% for 6 months
Ongoing: 25.90%
Ongoing: 25.90%
Cash Back
$30 quarterly cash rebate on local purchases with minimum $300 on your card monthly per quarter
$100 quarterly cash rebate on local purchases with minimum $1000 on your card monthly per quarter
0.3% cash rebates on overseas spend, no minimum spend
Min Cashback Rate: 0.30%
Max Cashback Rate: 3%
Min Qualifying Spend: $300
Max Qualifying Spend: $1,000
Max Cashback in Month: $33
No Annual Fee
$20 quarterly service fee is waived (after first 3 years) when you charge once every three months
$20 quarterly service fee is waived (after first 3 years) when you charge once every three months
Overseas Spending
0.3% back on overseas spend
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: Malayasian Citizen: $45,000 Foreigner: $60,000
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Maybank
Type: Credit Card
Bank: Maybank
Type: Credit Card
Rates
Purchases Introductory: 15.00%
Purchases Ongoing: 15.00%
Cash Advance: 25.90%
Interest Free Period (days): 20
Purchases Ongoing: 15.00%
Cash Advance: 25.90%
Interest Free Period (days): 20
Fee Details
Late Payment Fee: $80
Description: 5% of the minimum payment due or $80, whichever is higher, if minimum monthly repayment is not made by due date
Provider Fee Details
Description: 5% of the minimum payment due or $80, whichever is higher, if minimum monthly repayment is not made by due date
Provider Fee Details
Get $70 cash credit when you apply
$30 cash credit with minimum $500 instalment pay plan
10% back on beauty & wellness, online spend, grocery, pet spend, and cruises
Unlimited 0.2% cashback on non-bonus spending
CIMB Deals & Discounts around Malaysia and Indonesia
Purchases Intro: 25.50%
Min Income: $30,000
Purchases Intro: 25.50%
Min Income: $30,000
Promotions
Spend $1200 within the first 3 months
Convert $500 of initial spend into a CIMB 0% i. PayPlan during first 3 months
Cash Back
10% back on lifestyle spending categories
0.2% back on non-bonus categories
Min Cashback Rate: 0.20%
Max Cashback Rate: 10%
Min Qualifying Spend: $800
Max Qualifying Spend: $1,000
Max Cashback in Month: $100
Miles/Travel
Up to 10% on cruises
No Annual Fee
No annual fee for principal or supplementary cards
Online Shopping
Up to 10% back on online spend
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: CIMB Bank
Type: Credit Card
Bank: CIMB Bank
Type: Credit Card
Rates
Purchases Introductory: 25.50%
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Fee Details
Get $50 cash credit when you apply
$30 cash credit with minimum $500 instalment pay plan
Up to 10% cashback on select categories
Unlimited 0.2% cashback on non-bonus spending
Interest-free repayments over a period of up to 24 months with CIMB 0% i. Pay Plan
Purchases Intro: 25.50%
Min Income: $30,000
Purchases Intro: 25.50%
Min Income: $30,000
Promotions
Spend $1200 within the first 3 months
Convert $500 of initial spend into a CIMB 0% i. PayPlan during first 3 months
Cash Back
10% back on dining, transport and petrol, and foreign currency spend
10% back health & medical and select electronic or furnishing merchants
Unlimited 0.2% cashback
Min Cashback Rate: 0.20%
Max Cashback Rate: 10%
Min Qualifying Spend: $800
Max Qualifying Spend: $1,000
Max Cashback in Month: $100
Miles/Travel
Up to 10% back on transport
Up to 10% back on travel in foreign currency
No Annual Fee
No annual fee for life
Petrol
Up to 10% back on petrol
Overseas Spending
Up to 10% back on travel in foreign currency
Dining
Up to 10% back on dining
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21
Fixed Security Deposit: $10,000.00
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: CIMB Bank
Type: Credit Card
Bank: CIMB Bank
Type: Credit Card
Rates
Purchases Introductory: 25.50%
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Fee Details
Get $70 cash credit when you apply
$30 cash credit with minimum $500 instalment pay plan
Unlimited 2% back on travel, overseas and online in foreign currency
Complimentary DragonPass airport lounge membership
Dining privileges up to 50% off
Purchases Intro: 25.50%
Min Income: $120,000
Purchases Intro: 25.50%
Min Income: $120,000
Promotions
Spend $1200 within the first 3 months
Convert $500 of initial spend into a CIMB 0% i. PayPlan during first 3 months
Cash Back
Unlimited 2% back on travel, overseas and online in foreign currency
Unlimited 1% back on all other spend
Min Cashback Rate: 1.00%
Max Cashback Rate: 2%
Min Qualifying Spend: $2,000
Miles/Travel
3 visits per year at DragonPass lounges
10% discount on airport limousine or meet & greet programs
No Annual Fee
No annual fee for life
Online Shopping
2% back on online spend in foreign currency
Overseas Spending
2% back on overseas spend
Dining
Up to 50% off at select dining partners
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $120,000
Fixed Security Deposit: $50,000.00
Min Age: 21
Fixed Security Deposit: $50,000.00
Min Age: 21
Card Essentials
Issuer: Visa
Bank: CIMB Bank
Type: Credit Card
Bank: CIMB Bank
Type: Credit Card
Rates
Purchases Introductory: 25.50%
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Fee Details
Get $70 cash credit when you apply
$30 cash credit with minimum $500 instalment pay plan
2% unlimited cashback on select categories
Unlimited 1.5% cashback on all other spend
No green fees at select golf courses
Purchases Intro: 25.50%
Min Income: $50,000
Purchases Intro: 25.50%
Min Income: $50,000
Promotions
Spend $1200 within the first 3 months
Convert $500 of initial spend into a CIMB 0% i. PayPlan during first 3 months
Cash Back
2% back on dining, entertainment, automobile or Duty Free stores
1.5 back on non-bonus spend
Min Cashback Rate: 1.50%
Max Cashback Rate: 2%
Miles/Travel
No green fees at select golf courses
Complimentary valet ride home with Dre Valet for every $500 spent
No Annual Fee
No annual fee for life
Overseas Spending
2% back at Duty Free stores
Dining
2% back on dining
Up to 50% off at select dining partners
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $50,000
Fixed Security Deposit: $50,000.00
Min Age: 21
Fixed Security Deposit: $50,000.00
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: CIMB Bank
Type: Credit Card
Bank: CIMB Bank
Type: Credit Card
Rates
Purchases Introductory: 25.50%
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Purchases Ongoing: 25.50%
Cash Advance: 28.00%
Interest Free Period (days): 23
Fee Details
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