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 $230 cash + bonus 10% cashback on online spend (cap at $40)
Up to 8% Cashback on Dining, Entertainment, Grab & UOB Travel spend
No annual fee first year
8% cashback on Grab, Dining and Entertainment spend
3% cashback on Online Fashion and Travel spend
Promotions
Apply for a UOB YOLO Card from 16 March to 30 June 2020, complete SMS registration and spend a minimum of S$600 within 30 days from the card approval date. Subject to a cashback cap of $40.
Minimum spend of $600 per statement month is required for additional cashback (8% and 3%). Total cashback is capped at $60 per month
Cardmembers will earn 0.3% cashback on all spend
Miles/Travel
Agoda: 7% off accommodation bookings (untill 31 Dec 2020)
Booking.com: Up to 10% cashback on accommodation bookings (until 1 July 2020)
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 is made via fashion websites that sells clothes, shoes, jewellery, accessories and bags as its main business activity, in both foreign and local currencies
Dining
Up to 8% Cashback on dining
Ash & Elm, Intercontinental; 20% off total bill (until 31 Dec 2020)
Cherry Garden, Mandarin Oriental: 15% off total bill (excluding weekend dim sum) until 30 Dec 2020
Student
3% - 8% off Weekend Grab Card Transactions (with effect from 10 April 2018)
Cash Back
Up to 8% back
on weekend 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%
Min Qualifying Spend
$600
Max Cashback Rate
8%
Max Qualifying Spend
$1,200
Max Cashback in Month
$60
Fees
Annual Fee (1st Year)
$0.00
Late Payment Fee
$100
More Info
Subject to minimum $2.50 finance charge
Annual Fee Ongoing
Principal Card annual fee : $192.60
First Supplementary Card: Free
Second Supplementary Card: $96.30
Interest Rates
Purchases Introductory
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
6% Cashback on dining & online food delivery. 3% Cashback on groceries, land transport, utilities and online travel
Great petrol cashback benefits for fuel savings.
3% cashback on recurring telco and electricity bills (e.g. StarHub, Singtel, Geneco, Sembcorp)
3% cashback on online air and cruise tickets purchases, online hotel and tour bookings (e.g. Agoda and Airbnb)
0.3% cashback on all non bonus spending
Promotions
Get 6% cashback on dining & online food delivery. Get 3% cashback on groceries, land transport, utilities and online travel
5% cashback on fuel spend at all petrol service stations. Up to 22.1% fuel savings at Caltex (including 18% instant discount for all fuel). Up to 20.2% fuel savings at Esso
3% Cashback on local and overseas private hire rides (e.g. Grab, Gojek and TADA). Local and overseas taxi rides (e.g. ComfortDelGro)
Miles/Travel
3% Cashback on online air and cruise tickets purchases
Booking.com: Up to 10% cashback on accommodation bookings (Book by 30 November 2020)
Agoda: 7% off accommodation worldwide (until 31 Dec 2020)
No Annual Fee
Annual fee is waived for the first two years from the date (including supplementary card)
Petrol
5% cashback on fuel spend at all other petrol service stations.
Up to 20.2% Fuel savings at Esso
Online Shopping
3% cashback on online shopping
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)
Cash Back
6% cashback on dining & online food delivery
3% cashback on groceries, land transport, utilities and online travel
5% cashback on fuel spend at all petrol service stations
Use the same card for your bus/train rides and ATM withdrawals
Promotions
Get 5% cashback on McDonald’s, McDelivery, Starbucks, Golden Village and your favourite music, movies & TV series streaming services.
Register and apply for DBS Live Fresh Student Card by 30 June 2020 to get your Airpods. Charge a minimum spend of $900 within the first 90 days from Card Approval Date.
Get $40 worth of foodpanda vouchers. Apply by 31 December 2020; and charge a minimum spend of $250 within the first 30 days from Card Approval Date
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
Cash Back
5% back on McDonald’s, McDelivery, Starbucks, Golden Village and your favourite music, movies & TV series streaming services
0.3% back on all spend
Min Cashback Rate
0.30%
Min Qualifying Spend
$0
Max Cashback Rate
5.00%
Max Cashback in Month
$35
Fees
Annual Fee (1st Year)
$0.00
Waived Minimum Spend
Waived for first 5 years
Late Payment Fee
$100
More Info
Only assessed if outstanding balance is $50.01 or above
Annual Fee Ongoing
$0.00
Interest Rates
Purchases Introductory
26.8% (Minimum charge: $2.50)
Cash Advance
28% p.a. Cash Advance fee 8% of the amount withdrawn, subject to a minimum charge of $15.
Get up to $120 fuel savings when you apply for DBS Esso Card today
Enjoy up to 21.2% fuel savings & 2.4% Smiles savings
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
Promotions
Minimum of $200 nett fuel spend per month at any Esso service stations in Singapore for any 4 months from Card approval date
18% instant fuel discount. Additional $7 fuel savings with min. S$180 nett fuel spend at Esso per calendar month from 1 Jan 2019 to 30 Sep 2020
From 1 April 2020 to 30 Jun 2020 only, earn 2X Smiles Points when you charge $501 – $5000 outside of Esso stations to your DBS Esso Card
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
Enjoy up to $30 instant fuel redemption with 750 Smiles Points earned
Fees
Annual Fee (1st Year)
$0.00
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
Up to 3.2 miles per $1 spent at select luxury boutiques
24/7 concierge service wherever you are
Enjoy peace of mind with $1 million travel insurance coverage
Promotions
Charge a minimum of $3,000 within the first month from card approval
Simply register your interest and spend a minimum of $3,000 in each calendar month from 1 Apr 2020 to 30 Jun 2020.
Enjoy Dining Benefits at Home and Abroad. Get access to Global Dining Program from American Express (up to 20% discount on food bill)
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
Online Shopping
3.2 miles gained on spend at selected luxury boutiques
Overseas Spending
2.4 miles for all overseas spend
Dining
Special offers at over 1,000 dining partners
Enjoy Dining Benefits at Home and Abroad With the Global Dining Program from American Express
Each restaurant offers one of the following special offers: 20% discount on food bill, Complimentary appetizer from the a la carte menu, Complimentary bottle of wine
Fees
Annual Fee (1st Year)
$535.00
Waived Minimum Spend
Maintain DBS Treasures membership
Late Payment Fee
$100
More Info
Only assessed if outstanding balance is $50.01 or above
Annual Fee Ongoing
$535.00
Interest Rates
Purchases Introductory
26.8% (Minimum charge: $2.50)
Cash Advance
28% p.a. Cash Advance fee 8% of the amount withdrawn, subject to a minimum charge of $15.
Apply for a new Maybank Credit Card and CreditAble, and charge to your Credit Card and withdraw from your CreditAble Account a minimum of $250 for each of the first two consecutive months upon approval. (Promotion is based on first-come-first-served basis and applicable for Approved account by 31 August 2020.)
Choose up to 3 products and enjoy a higher interest rate on the first $50,000 in your SaveUp account
Complimentary Travel Insurance coverage of up to S$500,000 for Maybank Platinum Visa Cardmembers
No Annual Fee
$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
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%
Min Qualifying Spend
$300
Max Cashback Rate
3%
Max Qualifying Spend
$1,000
Max Cashback in Month
$33
Fees
Annual Fee (1st Year)
$0.00
Waived Minimum Spend
Quarterly service fee of $20 waived under the 3 years' fee waiver
Annual Fee (2st Year)
$0.00
Late Payment Fee
$80
Annual Fee (3st Year)
$0.00
More Info
5% of the minimum payment due or $80, whichever is higher, if minimum monthly repayment is not made by due date
Bonus of up to 18,500 KrisFlyer miles when you apply
Travel and Lifestyle Privileges
2 KrisFlyer miles per $1 on Singapore Airlines purchases (no cap).
1.1 KrisFlyer miles on all non-bonus spend (no cap).
No KrisFlyer miles transfer fee
Promotions
18,500 KrisFlyer miles with minimum spend of $5,000 in your first 3 months.
Up to $1 Million Travel Inconvenience & Travel Accident Insurance and Worldwide annual multi-trip My VoyageGuard Travel InsuranceSM Essential plan at $188 included
12,000 Bonus KrisFlyer miles upon upgrade to KrisFlyer Ascend Credit Card. Be a KrisFlyer Credit Card Member for a minimum of 9 months, and spend a minimum of S$10,000 within 12 consecutive months.
Miles/Travel
12,000 bonus miles upon upgrade to Amex Singapore Airlines KrisFlyer Ascend Credit Card.
3.1 KrisFlyer miles per $1 at Grab (Capped at $200)
Exclusive Hertz Privileges and Preferential Wi-Fi rental rates
No Annual Fee
No annual fee first year
Overseas Spending
Up to 2 miles on overseas spend in June and December (No Cap)
Dining
Up to 3.1 miles on Grab Singapore spend (Capped at $200)
Cash Back
$150 Cashback at Singapore Airlines when you spend $12,000 on eligible purchases from 1 July 2019 to 30 June 2020
Fees
Annual Fee (1st Year)
$0.00
Late Payment Fee
$90
More Info
$90 if minimum monthly payment is not made
by due date
Infinite Cashback On All Your Spends. unlimited 2% cashback on Travel, Overseas, Online in foreign currencies. Also, unlimited 1% on all other retail spends.
Unlimited 2% back on travel, overseas and online in foreign currency
Complimentary DragonPass airport lounge membership and Complimentary Green Fees.
Discounts of up to 25% at selected dining outlets in airports worldwide
Promotions
Spend a min. of $200/month for first two months.
To qualify for the 2% cashback, Cardmembers must spend at least $2,000 posted in the same statement month.
Complimentary Access to Airport Lounges: 3 complimentary global lounge access at over 1,000 airports annually
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
Cash Back
Unlimited 2% back on travel, overseas and online in foreign currency
Unlimited 2% Cashback On Selected Categories and Unlimited 1.5% Cashback On All Other Spend
2% unlimited cashback on select categories
Unlimited 1.5% cashback on all other spend
No green fees at select golf courses
Promotions
Spend a min. of $200/month for first two months.
No spending threshold to earn cashback. Indulge in mouth-watering meals, get your car detailed or shop at Duty Free Stores and be rewarded 2% cashback, with no cap
Miles/Travel
Access to over 1,000 lounges in over 500 airports worldwide and Discount offers at dining, spa and retail outlets from selected exclusive airport merchants
No green fees at select golf courses
No Annual Fee
No annual fee for life
Online Shopping
1.5% back on online spend
e-Commerce Purchase Protection. Improper functioning or Non-delivery of goods is covered
Overseas Spending
2% back at Duty Free stores
Dining
2% back on dining
Cash Back
2% back on dining, entertainment, automobile or Duty Free stores