No annual fee air miles credit cards

Earn points for your spending and save with an air miles credit card that has no annual fee.

Last updated:

Get rewards like flights and upgrades with an air miles card. They can help by offering you points for your everyday spending. While most of these cards come with an annual fee, this could save you anywhere from S$70 to S$700 or more.

Compare air miles credit cards with no annual fee

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
loading

Compare up to 4 providers

What’s the deal with no annual fee air miles credit cards?

These credit cards give you a way to earn air miles or reward points that you can transfer to a reward program. They also help you save money on account costs, with two different no annual fee options.

S$0 annual fee in the first year

Some air miles credit cards will offer to waive the standard annual fee in the first year you have the card as part of an introductory offer. After the first 12 months, you’ll be charged a standard annual fee for the account.

This means you have time to test out the card (and enjoy perks such as bonus point offers or complimentary lounge access) without paying an annual fee. If you decide the card is worth it, you can then keep it and pay the fee once it’s applied. If not, you can cancel it before the first year and avoid being charged any annual fee.

No annual fee for life

There is also a small selection of air miles credit cards that offer no annual fee for life. With these cards, you won’t pay an annual fee at all.

The catch is that you may not have as many extra features, such as complimentary travel insurance or lounge access. It’s also less common for air miles cards that offer no annual fee for life to have huge introductory bonus point offers. But if you get one of these cards and pay the balance off each month, it does give you a way to earn air miles per S$1 spent without paying any account fees.

Is a no annual fee air miles credit card right for me?

These cards are for people who want to earn air miles using a credit card but don’t want to pay an annual fee for the service. They can also be a good starting point if you are new to the world of air miles programs and credit cards because they give you a chance to test the waters without paying any upfront costs.

However, if you’re a big spender, a card with an annual fee and a higher earn rate could give you more value than the savings you’d get from a S$0 annual fee.

How can I compare air miles credit cards with no annual fee?

Weigh up these features when you’re looking for a credit card that earns air miles and has no annual fee.

  • Annual fee details. Before choosing one of these air miles credit cards, check whether the S$0 annual fee is for the first year only or an ongoing feature of the card so that you know exactly what you’re getting in the long run.
  • Bonus points. Many air miles credit cards offer thousands of introductory bonus points when you meet the spending requirements as a new cardholder. This could give you a huge amount of value in the first year – especially without an annual fee. Just remember that this value is temporary, so you’ll still need to think about the costs that could apply beyond the first 12 months if you plan to keep the card.
  • Points per S$1 spent. The amount of points you’ll earn per S$1 can help you figure out how much value you’ll get from the card based on your typical spending. Keep in mind that although you’ll earn points for most everyday purchases, you usually won’t get any for transactions such as cash advances and government charges.

What's next?

If you’re interested in an air miles credit card with no annual fee, start by comparing different options currently on the market. You can also compare a wider range of air miles credit cards if points are your priority, or look at other no annual fee cards if your goal is to save on account costs.

FAQs about no annual fee air miles credit cards

Want to know more about air miles credit cards that offer no annual fees? We’ve answered some of the most common questions people ask us about them. If you have a question of your own, you can also get in touch with us using the comment box below.

Images: Shutterstock

Back to top

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site