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Best credit cards with no annual fee in Singapore (2026)

On the spending below, the HSBC Revolution pays about S$652 a year, ahead of the UOB EVOL at S$558. Only 2 of the 27 cards we track charge no fee at all, so cards that waive the first year are listed below them.

Last verified 27 Oct 2026 against each bank's own terms.

  1. HSBC

    HSBC Revolution

    Miles

    S$652/yr

    43,445 miles a year ≈ S$652

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

  2. UOB

    UOB EVOL

    Cashback

    S$558/yr

    S$558 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

Change the numbers in the finder

First year free

These cards waive the fee in year one. From year two the fee applies unless the bank agrees to waive it again, which many do on request. Values below count the fee.

  1. Maybank

    Maybank Family & Friends

    Cashback1st year fee waived

    S$1,086/yr

    S$1,283 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Groceries at 6%

  2. OCBC

    OCBC 365

    Cashback1st year fee waived

    S$674/yr

    S$871 cashback a year

    − S$196 fee

    Dining, groceries, transport, petrol at 6% · Everything else at 0.25%

  3. Citi

    Citi Cash Back

    Cashback1st year fee waived

    S$651/yr

    S$847 cashback a year

    − S$196 fee

    Dining & delivery at 6% · Supermarkets at 6%

  4. UOB

    UOB One

    Cashback1st year fee waived

    S$380/yr

    S$576 cashback a year

    − S$196 fee

    Quarterly cashback S$100 · Extra: supermarkets at 2.67%

  5. HSBC

    HSBC Live+

    Cashback1st year fee waived

    S$351/yr

    S$547 cashback a year

    − S$196 fee

    Dining, delivery & shopping at 5% · Everything else at 0.3%

  6. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$342/yr

    35,904 miles a year ≈ S$539

    − S$196 fee

    Online spend at 4 mpd · In-store spend at 0.4 mpd

  7. UOB

    UOB Lady's

    Miles1st year fee waived

    S$296/yr

    32,784 miles a year ≈ S$492

    − S$196 fee

    Chosen category: Dining at 4 mpd · Everything else at 0.4 mpd

  8. DBS

    DBS Altitude Visa

    Miles1st year fee waived

    S$260/yr

    30,408 miles a year ≈ S$456

    − S$196 fee

    Local spend at 1.3 mpd · Foreign currency at 2.2 mpd

Set a reminder to ask for a waiver.

What to look for

These cards charge no annual fee at all, so there is nothing to waive and nothing to remember. Most are cashback cards with a minimum spend to unlock the bonus rate.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,000

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best credit cards with no annual fee in Singapore?

On our test profile the top card is the HSBC Revolution from HSBC, at about S$652 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

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