Best No-Fee Credit Cards in Singapore

A no annual fee credit card in Singapore can feel refreshingly simple. You earn cashback or reward points without paying a yearly charge just to keep the card active. The best part is not the “free” label; it’s the freedom to keep a solid Singapore credit card as a long-term tool, even in months when your spend is light.

What “No-Fee” Really Means In Singapore

In everyday conversation, no-fee credit cards usually refers to no annual fee. Some issuers mean “free for life,” while others mean “waived when you meet conditions.” That difference matters because a fee waiver may depend on spend, account status, or a successful request. If you want a predictable setup, prioritize free-for-life cards where annual fee is simply not part of the product.

Also, “no annual fee” does not change how interest works. A credit card is still a short-term loan. Rewards are designed for responsible use: pay on time, track your spending, and use cashback or points as a bonus, not a reason to buy more.

Best No Annual Fee Credit Cards In Singapore

The cards below are known for no annual fee positioning while still delivering meaningful cashback or rewards. Each one shines in a different spending pattern, so “best” depends on where you actually spend month to month.

CIMB Visa Signature

If your routine includes online orders and household essentials, CIMB Visa Signature is often treated as a flagship no annual fee cashback card. It focuses on everyday categories and keeps the structure easy to follow once you know the caps.

• No annual fees with a free-for-life positioning, which is ideal if you want a long-term Singapore credit card.
• 10% cashback on selected categories such as online shopping, groceries, beauty and wellness, pet-related merchants, and cruises, subject to conditions.
• A clear earning model: meet the required monthly spend to unlock boosted cashback, then watch the category caps so you know when returns taper off.
• A base earn rate continues outside the boosted categories, so the card still works as a general no annual fee backup.

CIMB World Mastercard

This one is built for people who want no annual fee but still like the feel of a broad, lifestyle-friendly cashback setup. The headline is an elevated rate on specific categories once a monthly spend condition is met.

• No annual fees with a free-for-life structure, so you can keep it active without worrying about renewals.
• Up to unlimited 2% cashback on selected categories (for example dining and certain lifestyle spending), with a monthly spend condition; other spend earns cashback at a different rate.
• Works well for cardholders who prefer “set it and use it” without chasing rotating promos, while still enjoying cashback on common categories.
• Useful as a companion to a high-category card: keep no annual fee benefits, then route the right transactions to the right card.

CIMB Visa Infinite

For higher earners who travel often, CIMB Visa Infinite stands out because it pairs no annual fee with premium travel-oriented benefits. It’s unusual to see a card in this tier keep the yearly fee at zero, so it can be attractive if you qualify and your spending fits the conditions.

• No annual fees, positioned as free for life, which is a major reason it is frequently compared against fee-charging premium cards.
• Unlimited 2% cashback on eligible overseas-related spend, with a defined monthly spend requirement; outside that, a base cashback rate applies.
• Travel-focused perks such as airport lounge access (complimentary visits) and travel insurance coverage when you charge travel fares to the card.
• A straightforward logic: if you already spend meaningfully on travel and overseas transactions, a no annual fee premium card can keep your overall cost profile clean.

HSBC Revolution Credit Card

If you like reward points that can be used flexibly, HSBC Revolution is a well-known no annual fee option in Singapore. Its identity is strongly linked to online and contactless spending, which fits modern day-to-day payment habits.

• No annual fees, which makes it comfortable to keep as a long-term points card even if your spending fluctuates.
• Earn accelerated Reward points (often marketed as “10X”) for online and contactless spend, with program caps applying to bonus points.
• A base earn rate continues broadly, so you can keep earning points across many everyday transactions.
• Best suited to users who enjoy converting points into different outcomes over time, instead of locking into only cashback.

Trust Link Credit Card

If your priority is keeping fees low in more than one way, Trust Link Credit Card is often discussed for combining no annual fee with a fee-light approach to overseas usage. Many people like it as a practical daily driver, especially for supermarket and essential spending.

• No annual fee and a strong focus on minimizing common card charges, which can feel calmer than chasing complex rewards structures.
• Built around everyday value, commonly tied to groceries and essentials, which can be a natural fit for household budgets.
• A simple positioning: keep a no annual fee card for ongoing use, then add a specialized cashback or miles card later if your spending grows.

Side-By-Side Comparison

This table focuses on what most readers care about first: no annual fee status, the main earn style, and the key condition that unlocks the headline rate. Always review issuer terms because eligibility, merchant categories, and caps can change.

How To Choose The Right No Annual Fee Card

A strong no annual fee card is not “the one with the biggest number.” It’s the one whose rules match your real spending. Focus on eligibility, spending categories, and caps, then decide if you prefer cashback simplicity or points flexibility.

• Minimum spend rules: If you dislike thresholds, a no annual fee card with steady base rewards can feel better than a high headline rate.
• Caps and limits: A card can advertise big cashback, yet the monthly cap can quietly be the real limiter.
• Where you spend: If your biggest category is groceries, choose a card that truly rewards groceries, not one that rewards “lifestyle” spending you rarely do.
• Reward type: Cashback is direct. Reward points are flexible, but require you to understand redemption options and minimum transfer blocks.

Fees That Can Still Matter Even With No Annual Fee

A no annual fee card removes one cost, not all costs. It’s worth scanning these items in any Singapore credit card product page so you don’t get surprised later.

• Foreign currency fees: Some cards charge a foreign transaction fee on overseas or non-SGD transactions. If you travel often, this fee can matter more than cashback.
• Interest charges: Rewards work best when you pay your statement balance in full; interest can erase cashback very quickly.
• Late payment fees: These are usually fixed and avoidable, but they are still part of how credit cards in Singapore are priced.
• Cash advance costs: Many cards treat cash withdrawals differently from purchases, often with extra fees and immediate interest.

Eligibility and Application Notes

Most mainstream no annual fee cards in Singapore have a minimum age requirement and an income requirement. Always check the bank’s stated eligibility, especially if you are applying as a foreigner or using a secured option. A clean application with accurate documents improves the approval experience.