Annual Fee Waiver All Air Miles Cards No Minimum Spend Required No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

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Best Miles Credit Cards With Annual Fee Waiver in Singapore 2024

In Singapore, the best miles cards with annual fee waivers offer travellers the advantage of earning miles without the burden of an annual fee. These cards provide travel rewards, insurance coverage, and more, making them ideal for those seeking travel perks while keeping costs low. Whether you travel frequently or occasionally, these cards offer a valuable way to accumulate miles without the financial commitment of an annual fee.

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Annual Fee Waiver All Air Miles Cards No Minimum Spend Required No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

UOB Lady's Card

Airmiles Local

Up to 10 miles per dollar

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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.

Airmiles Overseas

Up to 10 miles per dollar

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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)

Valid until

30 June 2024

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

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Rebate cap applied

UOB Lady's Solitaire Card

Airmiles Local

6 miles per dollar

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Get up to 6 miles per dollar on up to 2 rewards categories out of 7; get 0.4 miles per dollar on all other spend.

Airmiles Overseas

6 miles per dollar

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Bonus UNI$ capped at 8,400 UNI$ (equivalent to S$3,000 spend) per month.

Min. Annual Income

S$ 120,000

Annual Fee

S$ 414.2

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First Year Waived

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

remove

Rebate cap applied

Citi Rewards Card

Airmiles Local

4 miles per dollar

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On eligible spend only.

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$2,128

+ 3 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

15 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

15 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

15 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

15 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

15 May 2024

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.

Gift Options

Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25); or
Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

DBS Woman's World Card

Airmiles Local

4 miles per dollar

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10X DBS Points per S$5

Airmiles Overseas

4 miles per dollar

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10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).

Minimum Annual Income

S$ 80,000

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Both Singaporean or Foreigner

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

KrisFlyer UOB Credit Card

Airmiles Local

3 miles per 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 per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

31,000 miles plus first year annual fee waived (S$194.40 incl. GST)

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Annual Fee waiver

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Monthly spend required

Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
No cap on KrisFlyer miles earned.
Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
Complimentary travel insurance of up to S$500,000.
No conversion fees.
More miles with every spend.
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
Periodic discounts on KrisFlyer Experiences
Exclusive privileges on Scoot, KrisShop, Grab and more.
Read our full review of the KrisFlyer UOB Credit Card.
Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.

DBS Woman's Card

Airmiles Local

Up to 2 miles per dollar

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5X DBS Points per S$5

Airmiles Overseas

0.4 miles per dollar

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1X DBS Point per S$5

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).

Annual Fee

S$ 163.5

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

UOB PRVI Miles American Express Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

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First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.

UOB PRVI Miles Visa Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

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First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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

UOB PRVI Miles World MasterCard

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

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First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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

DBS Altitude Visa Signature Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Welcome Offer

Up to 53,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 43,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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 Local

1.3 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Welcome Offer

Up to 60,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 50,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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 Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

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

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Gift: Apple product

OCBC 90°N Mastercard

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

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Get up to

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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No expiry air miles

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Unlimited air miles

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Gift: Apple product

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No monthly spend required

Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$2,128

+ 3 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

07 May 2024

Best Deal Guarantee

Apple iPad 10th Gen WiFi 64GB (worth S$691.60)

Valid until

07 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

07 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

07 May 2024

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 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.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
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

Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25); or
Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 10th Gen WiFi 64GB (worth S$691.60); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

3 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$1,664.25

+ 4 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 June 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$349)

Valid until

02 June 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

02 June 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

02 June 2024

Things to consider for this product:

check

Unlimited air miles

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Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Receive premium rewards worth up to S$1,664.25; or
Xiaomi Robot Vacuum X20 (worth S$699); or
Sony HT-AX7 Portable Theatre System (worth S$769); or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25)

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Xiaomi Robot Vacuum S10 (worth S$349); or
S$250 eCapitaVoucher

Gift Options

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Standard Chartered Journey Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$160

Valid until

12 May 2024

Welcome Offer

Up to 45,000 miles

Valid until

30 June 2024

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, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
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

Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Up to S$160

Gift Options

Up to 45,000 miles

Maybank Horizon Visa Signature Card

Airmiles Local

1.2 miles per dollar

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

Airmiles Overseas

2.8 miles per dollar

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On foreign spend. 7X TREATS Points per S$1 spent.

Minimum Annual Income

S$ 30,000

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S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Annual Fee

S$ 196.2

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First Three Years Waived

Things to consider for this product:

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Overseas/Foreign spend

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Air tickets

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Dining

remove

Rebate cap applied

Citi PremierMiles Card + Citi Wealth First Account Bundle

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699) + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

Apple iPad 10th Gen WiFi 64GB (worth S$691.60) + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

S$400 + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

S$300 cash via PayNow + S$100 eCapitaVoucher

Valid until

31 May 2024

Welcome Offer

Up to S$2,460 cash rewards

Valid until

31 May 2024

Things to consider for this product:

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Seamless application

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Increased rewards

Enjoy up to 7.51% p.a.* on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action.
Protect and build your wealth with our full suite of investment and insurance products.
Enjoy access to global banking & lifestyle privileges, travel benefits and get invited to exclusive events.
Get 6-month commission-free trades online* for U.S. and H.K. markets and have access to Global Market Insights with 350+ analysts worldwide.
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
1.2 miles per S$1 spent locally. 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.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
One seamless journey for both products
More rewards when you apply for both products as a bundle
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

Dyson Supersonic™ hair dryer (worth S$699) + S$100 eCapitaVoucher; or
Apple iPad 10th Gen WiFi 64GB (worth S$691.60) + S$100 eCapitaVoucher; or
S$400 + S$100 eCapitaVoucher; or
S$300 cash via PayNow + S$100 eCapitaVoucher

Gift Options

Up to S$2,460 cash rewards

American Express Singapore Airlines KrisFlyer Credit Card

Airmiles Local

1.1 miles per dollar

Airmiles Overseas

2 miles per dollar

info

In June and December.

Min. Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment

Annual Fee

S$ 174.4

info

First Year Waived

Offer Available

Welcome Offer

Receive up to 17,000 KrisFlyer miles

Valid until

29 May 2024

Things to consider for this product:

check

No monthly spend required

check

Retail discount

remove

Annual Fee required

HSBC Revolution Credit Card

Airmiles Local

0.4 miles per dollar

info

On all other transactions

Airmiles Overseas

0.4 miles per dollar

info

On all other transactions.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

3 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$1,664.25

+ 4 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 June 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$349)

Valid until

02 June 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

02 June 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

02 June 2024

Things to consider for this product:

check

Mobile contactless rebate

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Online shopping rebate

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Travel rebate

check

No Annual Fee

10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

Gift Options

Receive premium rewards worth up to S$1,664.25; or
Xiaomi Robot Vacuum X20 (worth S$699); or
Sony HT-AX7 Portable Theatre System (worth S$769); or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25)

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Xiaomi Robot Vacuum S10 (worth S$349); or
S$250 eCapitaVoucher

Gift Options

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Maybank World MasterCard

Airmiles Local

0.4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 80,000

Annual Fee

S$ 261.6

info

First Year Waived

Things to consider for this product:

check

Dining rebate

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Retail rebate

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Petrol rebate

check

Airport lounge

Standard Chartered Rewards+ Credit Card

Airmiles Local

0.29 miles per dollar

Airmiles Overseas

2.9 miles per dollar

info

Overseas retail, dining and travel.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

12 May 2024

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$340

Valid until

12 May 2024

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

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Travel insurance

remove

Rebate cap applied

How does a Miles Credit Card With Annual Fee Waiver work?

A Miles Credit Card With Annual Fee Waiver lets you earn miles for spending while not charging the annual fee, usually for the first year. You accumulate miles based on your transactions, which you can redeem for travel rewards. To keep the fee waiver in subsequent years, you might need to meet specific criteria set by the issuer.

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How to best use a Miles Credit Card With Annual Fee Waiver?

To make the most of a miles credit card with an annual fee waiver, follow these strategies:

Maximise first-year benefits

If you didn’t know, the annual fee is waived for the initial year for most miles credit cards. In light of that, take advantage of this first year to reap sign-up bonuses, accumulate miles, and explore the card's perks.

Pro-tip: For some miles cards, new cardholders also have the option of paying the first year’s annual fee in exchange for welcome bonus miles. On the other hand, there are miles credit cards that reward new cardholders with the welcome bonus miles as long as a minimum spend is met during a certain period from the card approval date (e.g. within 30 days of card approval).

Optimise your spending strategy

Concentrate your spending on categories that offer higher miles rewards rates. This can include travel, dining, retail, transport, entertainment, and other categories – what the eligible categories earning bonus miles depend on the card itself.

For instance, the UOB PRVI Miles Card rewards 1.4 mpd on local spend and 2.4 mpd on overseas spend respectively. However, it rewards a whopping 6 mpd on major airlines and hotels booked via Agoda, Expedia, and UOB Travel. Hence, it’s the optimal miles credit card for securing online travel bookings.

Optimising your spending strategy also involves keeping track of expenses so you are able to be aware of where you are at with regard to hitting the requirements for annual fee waivers. Utilise mobile apps and online account management tools to stay organized.

Pro-tip: Don’t be afraid to call up the issuing bank’s hotline and request an update on your month’s credit card statement. Once the actual statement is formally issued to you for the month, it’ll be hard to increase your spending in time if you’ve failed to hit the spend requirement.

Moreover, not all spend might be eligible if the annual fee waiver is part of the card’s sign-up promotion. For example, paying off a S$200 medical bill might not be deemed as relevant “retail” spend necessary for the card’s minimum spend requirement. That’s why it’s pertinent to check and track your spending with the bank where possible.

Meet renewal criteria

To maintain the annual fee waiver in subsequent years, fulfil any spending or usage criteria set by the issuer. Plan your spending to align with these requirements.

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Who should use a Miles Credit Card With Annual Fee Waiver?

A Miles Credit Card With Annual Fee Waiver is particularly suitable for individuals who want to enjoy the benefits of earning miles without the financial commitment of an annual fee. This type of card is well-suited for these types of credit card users:

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Things to look out for when choosing a Miles Credit Card With Annual Fee Waiver

When selecting a miles credit card with an annual fee waiver, consider these key factors to ensure you're making an informed decision.

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Do I need to spend a certain amount to qualify for the annual fee waiver?

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Some miles credit cards might require you to meet a minimum spending requirement within a certain timeframe to qualify for the annual fee waiver. Read the terms and conditions carefully to understand these requirements.

However, it’s more common to see miles credit cards requiring a certain spend amount within a certain timeframe for welcome bonus offers – like spending a minimum of S$500 eligible spend within 30 days of card approval to earn 10,000 welcome bonus miles or something to that effect.

What happens after the complimentary annual fee waiver period ends?

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After the waiver period ends, you will typically be charged the annual fee on your credit card. It's a good idea to evaluate whether the rewards and benefits you receive from the card justify the annual fee.

How to request subsequent credit card annual fee waivers?

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When requesting an annual fee waiver for a miles credit card in Singapore, reach out to the card issuer's customer service. Politely express your interest in the waiver, highlighting your loyalty and providing the necessary account details.

Explain any relevant reasons or situations that warrant the waiver. The issuer might offer options like immediate waiver, partial waiver, or criteria for approval. Follow any instructions given, such as submitting documents or meeting spending requirements. Keep in mind that outcomes vary based on issuer policies, so approach the process professionally and be open to different results.

Although in recent years, it’s become more common practice to request an annual fee waiver via the banks’ apps or 24/7 chat assistance. Refer to your respective issuing bank for more details.

What is the average cost of annual fees for a miles credit card in Singapore?

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The average annual fee for a miles credit card in Singapore starts from S$194.40, depending on the card's features and benefits. Premium or exclusive cards might have higher fees (e.g. S$540 for the Citi Prestige Card) due to enhanced perks. Consider the rewards and benefits against the fee to assess value.

Can I cancel the miles credit card before the annual fee becomes due?

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Yes, you can cancel the miles credit card before the annual fee is charged if you decide that the card's benefits are no longer worth the fee. However, consider the impact on your credit score and whether you might lose any accumulated rewards.

Is it worth getting a miles credit card with annual fee waiver if I don’t travel frequently?

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It depends on the card's benefits beyond travel rewards. Some cards offer cashback, discounts, or other perks that might still be valuable to you, even if you don't travel often. Remember to carefully read the terms and conditions of any credit card you're considering and compare it with other options to ensure it aligns with your financial goals and spending habits. But at the end of the day, a complimentary annual fee waiver is a free year of card membership, so why not give a miles credit card a try?

Best Miles Credit Cards With Annual Fee Waiver in Singapore 2024

UOB Lady's Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Lady's Solitaire Card

Things to consider for this product:

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Citi Rewards Card

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Things to consider for this product:

Quick Facts

KrisFlyer UOB Credit Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

UOB PRVI Miles American Express Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles Visa Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles World MasterCard

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Altitude Visa Signature Card

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Altitude American Express Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC 90°N Visa Card

Things to consider for this product:

Quick Facts

OCBC 90°N Mastercard

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC TravelOne Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey 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

Citi PremierMiles Card + Citi Wealth First Account Bundle

2 Offers Available

Things to consider for this product:

Quick Facts

American Express Singapore Airlines KrisFlyer Credit Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

Maybank World MasterCard

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

Offer Available