No annual fee credit card FAQs
Only on cards with no annual fee at all. Most waivers cover the first year; later years may be waived if you meet a spend amount. Each card shows the fee that applies after the waiver.
Best no annual fee credit cards
Some Singapore cards charge no annual fee at all and many waive the first year. Compare the fee after the waiver ends, along with the interest rate, late charges and foreign currency fees.
- No annual fee or a first-year waiver
- A low-cost first or backup card
- Many still earn points or cashback
FeaturedAmerican Express Singapore Airlines KrisFlyer Credit Card
American Express
•••• •••• •••• ••••
Credit Card CompareAmerican Express
- 16,000 bonus points
- Complimentary travel insurance
How much does it cost to carry a balance?
Enter your typical monthly carry balance to see the estimated interest cost for each card below.
Compare 7 no annual fee credit cards
| Card | Name and rating | Annual fee | Purchase rate | Interest-free days | Foreign transaction fee | Monthly cost | |
|---|---|---|---|---|---|---|---|
HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa | S$0 | 27.80% p.a. | Up to 20 | 2.25% | S$34.75/mo | ||
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express | S$0 | 27.80% p.a. | Up to 22 | 3.25% | S$34.75/mo | ||
CitiSignature •••• •••• •••• •••• Credit Card CompareVisa | S$0 | 27.90% p.a. | Up to 25 | 3.25% | S$34.87/mo | ||
OCBC •••• •••• •••• •••• Credit Card CompareMastercard | S$0 | 27.78% p.a. | Up to 23 | 3.25% | S$34.73/mo | ||
Standard Chartered •••• •••• •••• •••• Credit Card Compare | S$0 | 27.90% p.a. | Up to 22 | 3.5% | S$34.87/mo | ||
UOB •••• •••• •••• •••• Credit Card Compare | S$0 | 27.80% p.a. | Not published | 3.25% | S$34.75/mo | Application60 second approval | |
UOB •••• •••• •••• •••• Credit Card CompareMastercard | S$0 | 27.80% p.a. | Not published | 3.25% | S$34.75/mo | Application60 second approval |
No annual fee by the numbers
7
Cards compared
27.83% p.a.
Average purchase rate
22 days
Average interest-free days
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Related card types
Sources
- Credit Card Compare
- How CardIQ scores cards