Best Travel Credit Cards With Annual Fee Waivers in Singapore 2024
In Singapore, the Best Travel Credit Cards with Annual Fee Waivers provide a cost-effective way to earn rewards on travel expenses. Cardholders can accumulate points or miles on flights, hotels, and dining without paying extra charges. With added perks like travel insurance and airport lounge access, these cards enhance the travel experience for frequent and occasional travellers alike.
Winner - Travel Credit Card of the Year by The Digital BankerWinner - Best Travel Credit Card by TripZilla
Maybank Horizon Visa Signature Card
Airmiles Local
1.2 miles / dollar
info
On dining, petrol, Grab or taxi rides and Agoda hotel bookings.
Airmiles Overseas
2.8 miles / dollar
info
On foreign spend. 7X TREATS Points per S$1 spent, equivalent to 2.8 miles per dollar
Monthly Spend Required
S$ 800
info
Capped at 40,000 bonus TREATS Points on flight booking spending per calendar month.
Things to consider for this product:
check
Overseas/Foreign spend
check
Air tickets
check
Dining
remove
Rebate cap applied
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
KrisFlyer UOB Credit Card
Airmiles Travel
3 miles / dollar
info
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Airmiles Local
3 miles / dollar
info
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Airmiles Overseas
3 miles / dollar
Things to consider for this product:
check
KrisFlyer miles
check
Unlimited miles
check
1st year annual fee waiver
Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.
Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
5,000 Welcome miles with first eligible spend (min. S$5).
10,000 KrisFlyer miles with annual renewal fee payment.
Exclusive privileges on Scoot (via flyscoot.com/krisflyeruob), Kris+ and more.
Terms and conditions apply for all abovementioned privileges. Visit here for more details.
Insured up to S$100k by SDIC.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB PRVI Miles World MasterCard
Airmiles Overseas
Up to 3 miles / dollar
info
Earn up to 5 miles per S$1 on overseas spend on shopping and dining, and up to 3 miles on all other overseas spend, including online (based on UNI$12.5 per S$5).
Airmiles Local
1.4 miles / dollar
Airmiles Retail
1.4 miles / dollar
2 Offers Available
SingSaver Flash Deal
Apple AirPods Pro 2nd Gen (worth S$349)
Valid until
31 August 2025
SingSaver Flash Deal
Samsonite Straren Spinner 67/24 (worth S$600)
Valid until
31 August 2025
SingSaver Flash Deal
S$300 Cash via PayNow
Valid until
31 August 2025
SingSaver Exclusive Offer
S$60 Cash via PayNow
Valid until
31 August 2025
SingSaver Exclusive Offer
S$70 Grab Voucher
Valid until
31 August 2025
chevron_left
chevron_right
Things to consider for this product:
check
Bonus air miles
check
Unlimited air miles
check
Travel insurance
check
No monthly spend required
Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
SingSaver Flash Deal
Gift Options
Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow
SingSaver Flash Deal promotion runs from 11 August 2025 to 31 August 2025.
Promotion is valid for new-to-UOB credit card members only.
Be one of the first 20 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
Promotion is not stackable with other welcome offers from UOB.
Earn up to 5 miles per S$1 on overseas spend on shopping and dining, and up to 3 miles on all other overseas spend, including online (based on UNI$12.5 per S$5).
Airmiles Local
1.4 miles / dollar
Monthly Spend Required
None
2 Offers Available
SingSaver Flash Deal
Apple AirPods Pro 2nd Gen (worth S$349)
Valid until
31 August 2025
SingSaver Flash Deal
Samsonite Straren Spinner 67/24 (worth S$600)
Valid until
31 August 2025
SingSaver Flash Deal
S$300 Cash via PayNow
Valid until
31 August 2025
SingSaver Exclusive Offer
S$60 Cash via PayNow
Valid until
31 August 2025
SingSaver Exclusive Offer
S$70 Grab Voucher
Valid until
31 August 2025
chevron_left
chevron_right
Things to consider for this product:
check
Bonus air miles
check
Unlimited air miles
check
Travel insurance
check
No monthly spend required
Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
SingSaver Flash Deal
Gift Options
Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow
SingSaver Flash Deal promotion runs from 11 August 2025 to 31 August 2025.
Promotion is valid for new-to-UOB credit card members only.
Be one of the first 20 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
Promotion is not stackable with other welcome offers from UOB.
Maybank Manchester United Platinum Visa Credit Card
Airmiles Local
Up to 2 miles / dollar
info
When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.
Airmiles Overseas
Up to 2 miles / dollar
info
When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.
Things to consider for this product:
check
Local spending rebate
check
No monthly spend required
check
No rebate cap
check
Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback and 5X TREATS Points when Manchester United Wins a Premier League match.
No minimum spend and no cashback cap.
Stand a chance to win a trip for 2 to watch Manchester United live every football season.
Complimentary travel insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank World Mastercard
Airmiles Local
0.4 miles / dollar
Airmiles Overseas
0.4 miles / dollar
Things to consider for this product:
check
Dining rebate
check
Retail rebate
check
Petrol rebate
check
Airport lounge
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
UOB Visa Infinite Metal Card
Things To Consider
Quick Facts
Things to consider for this product:
check
Airport lounge
check
Bonus air miles
check
Overseas rebate
remove
Annual Fee required
Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
Waiver of miles conversion fees.
Complimentary welcome drinks and up to 30% off at select Michelin-starred and fine dining restaurants.
Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
No annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
close
Gift Options
; or
Terms & Conditions
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
How does a Travel Credit Card with Annual Fee Waivers work?
A Travel Credit Card with Annual Fee Waivers works by offering its users the benefits and rewards of a traditional travel credit card without charging an annual fee.
Cardholders can make purchases with the card and earn rewards such as travel points, miles, or cashback on eligible transactions. These rewards can be redeemed for travel-related expenses like flights, hotels, rental cars, and even other rewards or experiences.
Despite not having an annual fee, the card may still have some transaction fees or interest rates, so it's essential for users to understand the terms and conditions to make the most of the benefits while minimising costs.
How to best use a Travel Credit Card with Annual Fee Waivers?
To best use a Travel Credit Card with Annual Fee Waivers, consider these specific tips tailored to travel benefits:
Travel-related expenses
Use the card for all your travel-related expenses, such as booking flights, hotels, rental cars, and dining while traveling. This ensures you earn rewards on these purchases without paying an annual fee.
Explore travel partnerships
Some travel credit cards with annual fee waivers may have partnerships with airlines, hotel chains, or travel booking platforms. Look for such partnerships to maximise your rewards when booking with these partners.
Consider transfer partners
If the card allows you to transfer rewards to travel loyalty programs (e.g., airline or hotel loyalty programs), assess the transfer options to get more value from your rewards. This involves understanding the minimum transfer block, the point-to-frequent flyer miles conversion rate, and the transfer fee per conversion.
Pro-tip: You might be able to pool your rewards points together from credit cards of the same issuing bank to maximise miles conversion. However, this is subject to each card’s T&Cs.
Who should use a Travel Credit Card with Annual Fee Waivers?
A Travel Credit Card with Annual Fee Waivers is an excellent choice for various individuals such as the ones listed here:
Casual travellers
Infrequent travelers who don't want to pay an annual fee but still want to earn rewards on their occasional travel expenses can benefit from this type of credit card.
Budget travellers
Those who travel on a budget and want to minimise costs while still earning rewards can take advantage of a travel credit card with annual fee waivers.
Travel beginners
Individuals who are new to travel credit cards and want to explore the benefits without committing to an annual fee can start with this type of card.
Complementary cardholders
If you already have a primary travel credit card with an annual fee, a travel card with annual fee waiver can serve as a supplementary card to maximise rewards on specific spending categories.
Infrequent credit card users
If you don't use a credit card frequently but want to have one for travel or emergency purposes, a travel card with annual fee waiver offers a cost-effective option.
Things to look out for when choosing a Credit Card with Annual Fee Waivers
A Travel Credit Card with Annual Fee Waivers is an excellent choice for this list of individuals:
Rewards structure
Check the card's rewards program and earning rates for travel-related expenses. Ensure it offers rewards that match your travel habits and preferences.
Redemption options
Review the redemption options available for your earned rewards. Look for flexibility in redeeming rewards for travel-related benefits like flights, hotel stays, or travel vouchers.
Travel partnerships
Some travel credit cards with annual fee waiver may have partnerships with specific airlines, hotels, or travel booking platforms. Consider such partnerships to maximize your rewards when booking with them.
Terms & conditions
Thoroughly read and understand the card's terms and conditions, including any specific details about the rewards program, redemption policies, and any potential limitations.
Frequently asked questions For Travel Credit Cards With Annual Fee Waivers
What is a travel credit card?
expand_more
A travel credit card is a type of credit card designed to cater to the needs of travellers.
These cards offer rewards and benefits that focus on travel-related expenses. Cardholders can earn rewards, such as points or miles, on travel purchases, and often receive additional travel perks like travel insurance, airport lounge access, concierge services, and more. Travel credit cards can be valuable tools for individuals who frequently travel for business or leisure, as they provide opportunities to earn rewards and enjoy travel-related benefits while making their travel experiences more enjoyable and cost-effective.
Do all travel credit cards have an annual fee?
expand_more
Most travel credit cards have an annual fee, with the exception of the HSBC Revolution Card. They can range from moderate to high, and they often offer more extensive travel benefits and rewards. Meanwhile for the HSBC Revolution Card, travellers are able to earn rewards and enjoy travel perks without the added cost of an annual fee.