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 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$1 spent, equivalent to 2.8 miles per dollar
Monthly Spend Required
S$ 800 per month
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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
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 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 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
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.
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Fastest Cash Fulfillment
Standard Chartered Rewards+ Credit Card
Airmiles Overseas
2.9 miles per dollar
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Overseas retail, dining and travel.
Airmiles Local
0.29 miles per dollar
Monthly Spend Required
None
2 Offers Available
Highest Cash Reward
S$200 Cash via PayNow
Valid until
06 April 2025
Richest Offer in the Market; Exclusively on SingSaver
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
Valid until
06 April 2025
Richest Offer in the Market; Exclusively on SingSaver
Richest Offer in the Market; Exclusively on SingSaver
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)
Valid until
06 April 2025
Richest Offer in the Market; Exclusively on SingSaver
S$250 Shopee voucher
Valid until
06 April 2025
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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
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Highest Cash Reward
Gift Options
S$200 Cash via PayNow
Rewards Upgrade promotion is valid until 6 April 2025.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
Richest Offer in the Market; Exclusively on SingSaver
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
SingSaver Exclusive Offer promotion is valid until 6 April 2025.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
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$100,000 by SDIC.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB PRVI Miles World MasterCard
Airmiles Overseas
Up to 3 miles per dollar
Airmiles Local
1.4 miles per dollar
Airmiles Retail
1.4 miles per 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$100,000 by SDIC.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: No Maximum
Minimum Annual Income: S$ 30000
UOB PRVI Miles Visa Card
Airmiles Overseas
Up to 3 miles per dollar
Airmiles Local
1.4 miles per 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$100,000 by SDIC.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS Altitude Visa Signature Card
Airmiles Overseas
Up to 2.2 miles per dollar
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On overseas spend made in foreign currency.
Airmiles Local
Up to 1.3 miles per dollar
Monthly Spend Required
None
Offer Available
SingSaver Exclusive Offer
Nintendo Switch OLED (worth S$549)
+ 3 other gift options
Valid until
30 April 2025
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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
Up to 1.3 miles per S$1 spent locally, including bus and train rides.
Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
SingSaver Exclusive Offer
Gift Options
Nintendo Switch OLED (worth S$549); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Apple AirPods Pro (Gen 2) with MagSafe Charging Case + MagSafe Charger (worth S$408); or
S$350 eCapitaVoucher
SingSaver Exclusive Offer promotion runs until 30 April 2025.
Promotion is valid for new DBS / POSB credit cardmembers only.
Apply for selected DBS / POSB credit cards during the promo period with a corresponding promo code and make a min. spend of S$500 within 30 days from card approval date to be eligible for reward:
Use promo code SSMAR1 to receive a Nintendo Switch OLED (worth S$549)
Use promo code SSMAR2 to receive an Apple iPad 9th Gen WiFi 64GB (worth S$479)
Use promo code SSMAR3 to receive an Apple AirPods Pro Gen 2 with MagSafe Charging Case + MagSafe Charger (worth S$408)
Use promo code SSMAR4 to receive S$350 eCapitaVouchers
Promotion does not stack with other welcome offers from DBS / POSB.
Up to 1.3 miles per S$1 spent locally, including bus and train rides.
Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
SingSaver Exclusive Offer
Gift Options
Nintendo Switch OLED (worth S$549); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Apple AirPods Pro (Gen 2) with MagSafe Charging Case + MagSafe Charger (worth S$408); or
S$350 eCapitaVoucher
SingSaver Exclusive Offer promotion runs until 30 April 2025.
Promotion is valid for new DBS / POSB credit cardmembers only.
Apply for selected DBS / POSB credit cards during the promo period with a corresponding promo code and make a min. spend of S$500 within 30 days from card approval date to be eligible for reward:
Use promo code SSMAR1 to receive a Nintendo Switch OLED (worth S$549)
Use promo code SSMAR2 to receive an Apple iPad 9th Gen WiFi 64GB (worth S$479)
Use promo code SSMAR3 to receive an Apple AirPods Pro Gen 2 with MagSafe Charging Case + MagSafe Charger (worth S$408)
Use promo code SSMAR4 to receive S$350 eCapitaVouchers
Promotion does not stack with other welcome offers from DBS / POSB.
Richest Offer in the Market; Exclusively on SingSaver
S$450 Shopee Vouchers
Valid until
06 April 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 top up
Valid until
06 April 2025
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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.
Maybank Manchester United Platinum Visa Credit Card
Airmiles Local
Up to 2 miles per 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 per 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
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 per dollar
Airmiles Overseas
0.4 miles per 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
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
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
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
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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?
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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.