Annual Fee Waiver All Travel Cards Airport Lounge & Transfer Travel Sign-up Gifts Go to: Promo - Bonus Miles Go to: Overseas

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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.

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Annual Fee Waiver All Travel Cards Airport Lounge & Transfer Travel Sign-up Gifts Go to: Promo - Bonus Miles Go to: Overseas

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Annual Income

Feature

Offers available

Annual fee waiver

Citibank

DBS

Maybank

OCBC

Standard Chartered

UOB

OCBC Rewards Credit Card

Airmiles Local Online Shopping

4 miles / dollar

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10X OCBC$ (equivalent to 4 air miles) per S$1 spent

Airmiles Retail

4 miles / dollar

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Exclusive Offer

Apple AirPods Gen 4 (worth S$199)

Valid until

01 May 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

01 May 2025

SingSaver Exclusive Offer

S$170 Shopee Voucher

Valid until

01 May 2025

SingSaver Exclusive Offer

S$150 Cash via PayNow

Valid until

01 May 2025

Stackable Welcome Offer

1 Year Disney+ Premium Subscription

Valid until

30 April 2025

Things to consider for this product:

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

Winner - Travel Credit Card of the Year by The Digital Banker Winner - Best Travel Credit Card by TripZilla

Maybank Horizon Visa Signature Card

Airmiles Local

1.2 miles / dollar

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On dining, petrol, Grab or taxi rides and Agoda hotel bookings.

Airmiles Overseas

2.8 miles / dollar

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On foreign spend. 7X TREATS Points per S$1 spent, equivalent to 2.8 miles per dollar

Monthly Spend Required

S$ 800

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Capped at 40,000 bonus TREATS Points on flight booking spending per calendar month.

Things to consider for this product:

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Overseas/Foreign spend

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Air tickets

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Dining

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Rebate cap applied

KrisFlyer UOB Credit Card

Airmiles Travel

3 miles / dollar

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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

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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:

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KrisFlyer miles

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Unlimited miles

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1st year annual fee waiver

Fastest Cash Fulfillment

Standard Chartered Rewards+ Credit Card

Airmiles Overseas

2.9 miles / dollar

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Overseas retail, dining and travel.

Airmiles Local

0.29 miles / dollar

Monthly Spend Required

None

2 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

04 May 2025

SingSaver Exclusive Offer

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

04 May 2025

SingSaver Exclusive Offer

Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

04 May 2025

SingSaver Exclusive Offer

S$250 Shopee voucher

Valid until

04 May 2025

SingSaver Exclusive Offer

S$200 Cash via PayNow

Valid until

04 May 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249) ; or
S$250 Shopee voucher; or
S$200 Cash via PayNow

UOB PRVI Miles American Express Card

Airmiles Overseas

Up to 3 miles / dollar

Airmiles Local

1.4 miles / dollar

Monthly Spend Required

None

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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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.
PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter
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
2 year points expiry.
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.

UOB PRVI Miles World MasterCard

Airmiles Overseas

Up to 3 miles / dollar

Airmiles Local

1.4 miles / dollar

Airmiles Retail

1.4 miles / dollar

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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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.

UOB PRVI Miles Visa Card

Airmiles Overseas

Up to 3 miles / dollar

Airmiles Local

1.4 miles / dollar

Monthly Spend Required

None

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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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.

DBS Altitude Visa Signature Card

Airmiles Overseas

Up to 2.2 miles / dollar

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On overseas spend made in foreign currency.

Airmiles Local

Up to 1.3 miles / dollar

Monthly Spend Required

None

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

01 May 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

DBS Altitude American Express Card

Airmiles Overseas

Up to 2.2 miles / dollar

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On overseas spend made in foreign currency.

Airmiles Local

Up to 1.3 miles / dollar

Monthly Spend Required

None

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

01 May 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

OCBC 90°N Visa Card

Airmiles Overseas

2.1 miles / dollar

Airmiles Local

1.3 miles / dollar

Airmiles Hotel Booking

Up to 7 miles / dollar

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On Agoda bookings

2 Offers Available

SingSaver Exclusive Offer

Apple AirPods Gen 4 (worth S$199)

Valid until

01 May 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

01 May 2025

SingSaver Exclusive Offer

S$170 Shopee Voucher

Valid until

01 May 2025

SingSaver Exclusive Offer

S$150 Cash via PayNow

Valid until

01 May 2025

Stackable Welcome Offer

1 Year Disney+ Premium Subscription

Valid until

30 April 2025

Things to consider for this product:

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Unlimited air miles

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No expiry air miles

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Bonus air miles

Citi PremierMiles Card

Airmiles Overseas

2.2 miles / dollar

Airmiles Local

1.2 miles / dollar

Airport Lounge Access

2 visits per year*

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Priority Pass membership is on application basis and is reserved for the Principal cardmember only.

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

S$400 Cash via PayNow

Valid until

04 May 2025

SingSaver Exclusive Offer

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer

DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Valid until

04 May 2025

Things to consider for this product:

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No expiry air miles

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Airport lounge

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Travel rebate

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Gift: Apple product

1.2 miles per S$1 spent locally.
2.2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

S$400 Cash via PayNow; or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025); or
Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Overseas

2 miles / dollar

Airmiles Local

1.2 miles / dollar

Complimentary Travel Insurance

Up to S$500,000

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45% off MSIG TravelEasy Insurance

2 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

Up to 42,000 Miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$180 Cash + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$250 Shopee Vouchers + 30,000 miles

Valid until

04 May 2025

Things to consider for this product:

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Bonus air miles

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No expiry air miles

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Airport lounge

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Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Up to 42,000 Miles; or
S$180 Cash + 30,000 miles; or
Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles; or
S$250 Shopee Vouchers + 30,000 miles

Maybank Manchester United Platinum Visa Credit Card

Airmiles Local

Up to 2 miles / dollar

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When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.

Airmiles Overseas

Up to 2 miles / dollar

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When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.

Monthly Spend Required

None

Things to consider for this product:

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Local spending rebate

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No monthly spend required

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No rebate cap

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Travel insurance

Maybank World Mastercard

Airmiles Local

0.4 miles / dollar

Airmiles Overseas

0.4 miles / dollar

Monthly Spend Required

None

Things to consider for this product:

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Dining rebate

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Retail rebate

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Petrol rebate

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Airport lounge

UOB Visa Infinite Metal Card

Things To Consider

Monthly Spend Required

None

Quick Facts

Things to consider for this product:

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Airport lounge

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Bonus air miles

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Overseas rebate

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Annual Fee required

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.

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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.

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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.

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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.

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What is a travel credit card?

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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?

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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.

Best Travel Credit Cards With Annual Fee Waivers in Singapore 2024

OCBC Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Horizon Visa Signature Card

Things to consider for this product:

Quick Facts

KrisFlyer UOB Credit Card

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles American Express Card

Things to consider for this product:

Quick Facts

UOB PRVI Miles World MasterCard

Things to consider for this product:

Quick Facts

UOB PRVI Miles Visa Card

Things to consider for this product:

Quick Facts

DBS Altitude Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Altitude American Express Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC 90°N Visa Card

2 Offers Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card (Annual Fee Paying)

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

Maybank World Mastercard

Things to consider for this product:

Quick Facts

UOB Visa Infinite Metal Card

Things to consider for this product:

Quick Facts

Quick Facts

How does a Travel Credit Card with Annual Fee Waivers work?

How to best use a Travel Credit Card with Annual Fee Waivers?

Travel-related expenses

Explore travel partnerships

Consider transfer partners

Who should use a Travel Credit Card with Annual Fee Waivers?

Complementary cardholders

Things to look out for when choosing a Credit Card with Annual Fee Waivers

Frequently asked questions For Travel Credit Cards With Annual Fee Waivers

What is a travel credit card?

Do all travel credit cards have an annual fee?