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[Best No-Fee Credit CardsBest CashbackOCBC 365Rebates on essentials with easy fee-waiverMB F&FRebates in Singapore & Malaysia after just S$500 minimumBest MilesMB HorizonMarket-leading 3.2 miles per S$1 on local food & transportDBS AltitudeFee-waiver & perks like lounge accessLow SpendersOCBC FrankUp to 6% rebate online, low S$400 min. spend requirementMB Platinum VisaEarn S$30/quarter with just S$300 monthly spendHigh SpendersHSBC AdvanceUp to 3.5% cashback capped at S$125/monthMB FC Barcelona1.6% unlimited local cashback, easy fee-waiverOnline & ShoppingOCBC Titanium4 miles per S$1 on fashion & merchants like Amazon, Qoo10HSBC Revolution2 miles per S$1 online spend (inc. transit, insurance premiums)Golf & LeisureMB WorldFree green fees at 120 fairways across 25 countriesBest Cashback Credit Cards for No Annual FeeIf you want to earn rebates on daily essentials without worrying about paying extra for your credit card, you may want to consider these top-notch cashback options.Best Cashback Credit Cards for No Annual FeeIf you want to earn rebates on daily essentials without worrying about paying extra for your credit card, you may want to consider these top-notch cashback options.Best Cashback Credit Card with Fee Waiver: OCBC 365 CardLearn MoreConsider this if you're looking for a card for general daily usemore detailsPromotions:Earn S$50 rebate w/ card approvalReceive S$40 cashback for sign-up w/ select electricity retailersIf you want a no-fee everyday card that rewards your essential spend, OCBC 365 Card is absolutely the best option on the market. Not only is there a fee waiver with just S$10,000 annual spend, but they're also aren’t any merchant restrictions–two benefits you won’t find with OCBC 365 Card’s key competitor. Cardholders earn 6% on dining & online food delivery and 3% on groceries, land transport (including Grab), online travel bookings, and even recurring electricity & telco bills–compared to the competitor’s 1% rebate on bills, capped at S$1/month.In order to access these rates, cardholders must spend S$800/month, which is aligned with market norms. Cardholders can also earn up to S$80/month, which is fairly high. Ultimately, if you’re buying essentials for your family or simply want no-fee rewards for your daily spend, OCBC 365 is the only option with both a waiver and no merchant restrictions, and its high rates will quickly maximize your earnings.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend6% rebate on dining & online food delivery3% rebate on groceries, land transport, recurring bills & online travelUp to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stationsFree travel insurance, Visa Signature PrivilegesBest Cashback Card for Spend in Singapore & Malaysia: Maybank Friends & Family MasterCardLearn MoreConsider this if you spend a lot of time in both Singapore and Malaysiamore detailsPromotions:Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)Maybank Family & Friends Card stands out as an extraordinary option for everyday local spenders, offering accessible cashback rates for people with both average and lower budgets. Cardholders earn 5% rebate in key categories like groceries, dining, transport, petrol, data communications/online TV streaming & more–all after just S$500 minimum spend. Consumers who spend at least S$800/month earn 8% cashback, with rewards capped at a competitive S$80/month. Nonetheless, cardholders should consider that only spend in Singapore and Malaysia is rewards eligible; overseas transactions earn at a base rate of just 0.3%.Nonetheless, MB F&F Card proves especially accessible by waiving its S$180.0 fee for 3 years, and thereafter with S$12,000 annual spend. Consumers who meet this criterion (S$1,000/month) would also be poised to max out rewards, potentially earning up to S$960 cashback/year. Ultimately, MB F&F Card is perhaps the best rebate option on the market for local spenders.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spendUp to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)0.3% rebate all other spendsFuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)Best No-Fee Credit Cards for Air MilesTravel cards, especially those with luxury perks, are notorious for having non-waivable fees up to S$500+. There are a few excellent cards, however, that balance top rates and great perks with spend-based waivers, making them far more accessible to consumers.Best Miles Card for Local Budgets: Maybank Horizon Visa Signature CardLearn MoreConsider this if you want to maximize miles for dining & petrolmore detailsPromotions:Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)Maybank Horizon Visa Signature Card is an excellent way for primarily local spenders to earn miles at home at top rates, but then also earn on vacation bookings and spend abroad. Cardholders earn 3.2 miles per S$1 spend on local dining, petrol, taxis & Grab, and hotel bookings with Agoda–this rate is higher than that offered by even the priciest travel cards. In addition, cardholders earn 2 miles per S$1 spend on air tickets, travel packages and foreign currency transactions, which aligns with the overseas rates of other travel cards. While earnings are limited by category, local food & transportation account for nearly have of the average budget, so most consumers can easily earn with this card.Another way in which Maybank Horizon Card stands out is that its S$180 fee is waived for a full 3 years, and subsequently, with just S$18,000 annual spend. This means cardholders can focus on earning rather than extra costs. Ultimately, locally-based consumers looking for easy miles might find Maybank Horizon Card to be an excellent maintenance-free option.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda2 miles per S$1 spend on air tickets, travel packages & foreign currency transactionsUp to 17.2% fuel savings on petrol in SingaporeAccess to airport lounges & free travel insuranceBest Miles Credit Card for Affordable Perks: DBS Altitude Visa CardLearn MoreConsider this if you want a good miles credit card with an easily waived annual feemore detailsPromotions:Receive up to 10,000 welcome miles with S$6,000 spendEarn up to 4mi/S$1 spend on the commute, 2.4mi at EssoUp to 10 miles per S$1 spend with Kaligo, 6 miles with ExpediaDBS Altitude Visa Card stands out by offering more travel perks than any other miles card with a fee-waiver. Cardholders earn respectable rewards rates at 1.2 miles per S$1 local spend, 2 miles overseas, 3 miles on online travel bookings. However, unlike other comparable cards, DBS Altitude Card offers free travel insurance, 2 lounge visits/year, golfing privileges throughout SE Asia, dining privileges with Visa Foodie Trail & more. In fact, these perks are more extensive than some travel cards with S$250+ fees.To receive a fee-waiver, cardholders need to spend S$25,000 annually, so DBS Altitude Card is best for average spenders (especially those who frequently travel). If you want to avoid the high fees of pricier travel cards, but still want to enjoy luxury perks, DBS Altitude Card is perfect for you.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookingsFree travel insurance, 2x lounge visits, golfing & dining privilegesDBS My Preferred Payment Plan (0% interest installments)Up to 15% fuel savings with SPC, 14% with EssoBest Travel Card for Rapid Miles: UOB PRVI Miles American Express CardLearn MoreConsider this if you want to maximize mile rewards without paying an extravagant annual feemore detailsPromotions:Receive up to S$150 cashback with S$1,500 spend in 1st monthEarn up to 3mi per S$1 spend on KlookEarn up to S$10 rebate on contactless paymentsUOB PRVI Miles American Express Card is the only luxury travel card with a fee waiver, allowing above-average spenders to take advantage of high rates, great perks, and even bonus miles without added cost. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major airlines & hotels–rates equal to (or higher than) most pricy travel cards’. In addition, cardholders receive free travel insurance, free airport transfers and more.Competitors charge up to S$500+ unwaivable fees for such rates and perks, but UOB PRVI Miles Cardholders receive a fee-waiver with just S$50,000 annual spend. At this spending level, cardholders even receive an extra 20,000 bonus miles, worth about S$200. If you’re able to hit this spend level and want to rapidly accrue miles, there is no better alternative than UOB PRVI Miles Card.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports8 free limo transfers & free travel insuranceUOB PRVI Travel Butler & Amex EssentialsBest No-Fee Credit Cards for Lower SpendersIf you have a lower budget or are looking for a complimentary credit card to reward a smaller portion of your total spend, the following cards offer great options with low minimum spend requirements, respectable rates, and easy fee-waivers.Best Rebate Credit Card for Young Online Shoppers: OCBC Frank CardLearn MoreConsider this if you frequently spend money shopping for luxury goods and entertainmentmore detailsPromotions:Earn S$50 rebate w/ card approvalReceive 1 free night stay at M Social Singapore after S$400 min. spendYoung adults with lower monthly spend are most likely to maximize their cash back with OCBC Frank Card. Unlike its competitor card (which has an S$600 minimum requirement), OCBC Frank allows cardholders to access its higher rates after just S$400 offline spend. Consumers earn 6% rebate on online spend, 5% on weekend entertainment and at select cafes (3% on weekdays), and 3% on NETS FlashPay Auto Top-Ups, up to a respectable S$60/month.OCBC Frank Card also stands apart from its closest competitor by offering a fee waiver. With just S$10,000 annual spend, cardholders are exempt from the S$80 fee, which itself is fairly low. If you’re looking for a card that rewards online shopping and entertainment without a lofty spend requirement, OCBC Frank Card is the best and most affordable option.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend6% rebate on online spend5% weekend rebate on local entertainment & select cafes (3% weekdays)3% rebate on first 2 NETS FlashPay Auto Top-UpsUp to 16% fuel savings with Caltex, 14% with EssoBest Cashback Card for Low, Local Budgets: Maybank Platinum Visa CardLearn MoreConsider this if you spend S$300 to S$500 per monthmore detailsPromotions:Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)If you’re looking for cashback after just S$300 local spend–maybe for a lower budget, or as a complement to a travel card–Maybank Platinum Visa Card is the only rebate card that can truly maximize your earnings while also waiving its fee. Almost all cashback cards require minimums of S$400+ (at the very least) to earn rewards beyond the base rate (usually 0.3%). With Maybank Platinum Visa Card, you can earn S$30/quarter after just S$300 local monthly spend, equal to S$1,200/year. Compare this to S$3.6/year, earned for the same spend but at the base rate.Cardholders can also earn S$100/quarter with S$1,000/month spend, but at this spending level, alternative cards are more competitive. In addition, foreign currency transactions earn just 0.3% rebate, so this card is definitely for local spenders. However, Maybank Platinum Visa Card is ultimately the best option for low spenders because it even has a fee waiver–3 years, then with card use (at least 1x/quarter). Maybank Platinum Visa Card is the only card that offers such high rates after such a low minimum, with no annual fee.Read Our Full ReviewOverview of Card DetailsQuarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarterS$30 quarterly rebate with at least S$300 monthly spend (local only)S$100 quarterly rebate with at least S$1,000 monthly spend (local only)0.3% rebate on overseas spend, capped at S$50/monthLocal spend below S$300 minimum does not earn rebateNo minimum spend requirement for an overseas rebateFree travel insuranceBest No-Fee Credit Cards for High SpendersHigh spenders shouldn’t have to pay high annual fees. The following cards offer unlimited & maintenance-free earning potential, without the hassle of added cost.Best Flat Rebate Card for HSBC Banking Customers: HSBC Advance CardLearn MoreConsider this if you spend at least S$3,500 per month and are open to a bank account with HSBCmore detailsPromotions:Receive Samsonite T5 68cm Spinner luggage or S$150 cashbackIf you’re open to having an HSBC Advance banking account and spend S$3,500/month, HSBC Advance Card is the best option to maximize cashback on all of your spend. As an Advance customer, you earn 3.5% flat cashback after S$2,000 spent (2.5% if below), up to S$125/month. This is the highest earning potential on the market for capped cashback cards. Additionally, the annual fee is waived for Advance customers, making the card completely maintenance-free.Non-Advance customers receive less competitive rates–2.5% flat cashback with S$2,000 spend (1.5% if below), up to S$70/month–and are also charged an S$192.6 fee. For this reason, we’d definitely recommend checking to see if you’d qualify for an HSBC Advance account. If you do, HSBC Advance Card is the best option for maximizing cashback on above-average spend.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$180.0, waived for Advance banking customersUp to 3.5% flat rebate for Advance customers (2.5% for others)Up to 16% fuel savings with Caltex, 14% with ShellBest Unlimited Cashback Card for Local Spenders: Maybank FC Barcelona Visa Signature CardLearn MoreConsider this if you want to earn an unlimited amount of cash rebate without paying an annual feemore detailsPromotions:Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)If you’re an affluent, local spender seeking unlimited cashback, Maybank FC Barcelona Visa Signature Card is the top option on the market. All local spend earns 1.6% cashback–higher than the market standard of 1.5%. With a higher rate and no rebate cap, cardholders can earn more quickly while still enjoying unlimited rewards potential. Foreign currency transactions earn just 2 pts per S$1 (equal to 0.8 miles, or about 0.8% cashback), so this card is best for local spenders.Maybank FC Barcelona Card also has an easy fee-waiver. Cardholders are exempt from the S$120 fee with just S$10,000 annual spend. Additional benefits include discounts of up to 10% on FC Barcelona official stores. Ultimately, high-spenders with predominantly local budgets can quickly earn unlimited cash back with Maybank FC Barcelona Card, while also avoiding annual fees.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$120.0, waived with S$10,000 annual spendUnlimited 1.6% rebate on local spend2 Pts (0.8 miles) per S$1 on foreign currency transactionsUp to 10% discount at FC Barcelona official storesFree travel insuranceBest Unlimited Cashback Card for Travellers: CIMB Visa Infinite CardConsider this if you want a no-fee cash back card for travelingmore detailsPromotions:Up to 10% off bookings with Expedia & Booking, 8% with AgodaIf you’re an affluent traveler interested in earning cash back (rather than miles), CIMB Visa Infinite Card is an excellent, no-fee way to earn on all spend. Cardholders earn 1% unlimited cash back on all spend, bumped to 2% for travel expenses (hotels, airlines, travel agencies & more) after an S$2,000 minimum threshold. Competitor cards offer 1.5% flat cash back, so frequent travelers are far more likely to benefit from CIMB Visa Infinite Card. Most competitors also charge S$170+ fees, while CIMB Visa Infinite Card is free forever.Another reason CIMB Visa Infinite Card stands out is that it offers travel perks rarely found with cashback cards. Cardholders receive free travel insurance, lounge access, discounted limo transfers and more, which pairs nicely with the great rewards rates for travel spend. Ultimately, if you spend a great deal on travel and would like to avoid both rewards caps and annual fees, CIMB Visa Infinite is the best option for you.Read Our Full ReviewOverview of Card DetailsAnnual fee: FreeUnlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spendUnlimited 1% cashback on all other spendsFree travel insurance, 3x lounge access, discounted limo transfersCIMB 0% Interest i.Pay Instalment PlanBest No-Fee Credit Cards for Online & ShoppingWhether you mostly shop for retail or pay for bills and essentials online, we’ve found a few excellent cards that can maximize your rewards without charging you an annual fee.Best Miles Credit Card for Retail Shoppers: OCBC Titanium Rewards CardLearn MoreConsider this if you want to accrue miles from your shopping purchasesmore detailsPromotions:Earn S$50 rebate w/ card approvalUp to 2% cash rebate at BEST DenkiIf you’re a frequent retail shopper, look no further than OCBC Titanium Rewards Card–the most flexible and comprehensive shopper card on the market, with the added benefits of high rates and an easily waived fee. Cardholders earn 10 points (4 miles) per S$1 spend on retail, department stores, and electronics–plus on a variety of retail merchants, from Amazon to Qoo10 & more. Consumers can earn rewards locally, overseas, online and offline, with no minimum spend requirement. This flexibility makes it easy for average spenders to quickly achieve the 4,000 miles/month earnings cap.Cardholders can also avoid the S$192.6 fee with just S$10,000 annual spend. Competitor cards do not offer a fee-waiver, so OCBC Titanium Card is the best option for shoppers looking for flexibility paired with no annual fees.Read Our Full ReviewOverview of Card DetailsOverview of Card DetailsAnnual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)Discounted airport lounge & JetQuay Quayside accessUp to 16% fuel savings with Caltex, 14% with EssoBest Credit Card for Online & Social Spenders: HSBC Revolution CardLearn MoreConsider this if you spend mostly on shopping, dining, and entertainmentmore detailsPromotions:Receive Samsonite T5 68cm Spinner luggage or S$150 cashbackHSBC Revolution Card is one of the best miles-earning cards for social spenders who tend to make many purchases online. Cardholders earn 2 miles per S$1 spend on local dining & entertainment, and have access to a myriad of regional deals and discounts. More uniquely, cardholders also earn this rewards rate for online spend, including on travel bookings, transit payments, and recurring bills. These expenses are almost always excluded from earning rewards from other cards. There are no minimum spend requirements and earnings are unlimited, making HSBC Revolution Card a great match for many budgets. And, if that wasn’t enough, the S$160.5 fee is waived with S$12,500 annual spend. HSBC Revolution Card is both extremely accessible and a great way for social and online spenders to maximize rewards from their monthly budget.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)Online rate includes travel bookings, recurring bills & transit paymentsNo minimum spend requirementUp to 16% fuel savings with Caltex, 14% with ShellBest Shoppers Card with 0% Instalment Plan: DBS Woman’s World MasterCardLearn MoreConsider this if you need to make a large purchase that you can't immediately affordmore detailsPromotions:Up to 10% off hotel bookings with ExpediaComplimentary use of Quayside for 1 trip service (cardholder + 1 companion)DBS Woman’s World Card is a great option for average spenders seeking rewards for online shopping. Cardholders earn 4 miles per S$1 spend in this category, up to 8,000 miles/month (about S$80 value-to-consumer). In addition, cardholders can split payments for their larger purchases into installments across up to 12 months, with 0% interest and no processing fee. While general spend earns just 0.4 miles per S$1 locally, 1.2 miles overseas, frequent online shoppers who spend at least S$25,000 annually are exempt from the S$192.6 fee. For these shoppers, DBS Woman’s World Card offers easy and accessible rewards without added maintenance or cost.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend4 miles per S$1 spend on online shoppingDBS My Preferred Payment Plan (0% interest installments)Hertz Gold Plus Rewards membership & access to QuaysideUp to 15% fuel savings with SPC, 14% with EssoBest No-Fee Credit Cards for Golf & LeisureCredit cards with golfing privileges are great–no-fee credit cards that offer exceptional rewards opportunities and travel perks, as well as golfing privileges, are even better. We’ve identified the top no-fee credit cards for avid golfers below.Best Miles Credit Card for Golfers: Maybank World MasterCardLearn MoreConsider this if you are an avid golfer who travels frequently to golf clubs worldwidemore detailsPromotions:Receive free American Tourister Luggage w/ S$400 monthly spend for 2moWith Maybank World MasterCard, golfers can enjoy the most comprehensive golfing privileges on the market and possibly avoid paying an annual fee. Cardholders receive 2 complimentary green fees per month at 120 fairways across 25 countries–triple the amount offered by the top competitor card. Consumers can also earn 10 points (4 miles) per S$1 spend on select dining & retail merchants. Additional perks include free travel insurance and lounge access. Ultimately, cardholders can even avoid the S$240 fee by spending S$24,000/year. While this may seem substantial, spend on supplementary cards adds towards total spend, making it easier to reach this threshold. Maybank World MasterCard is an excellent option for people who prioritize golfing privileges and enjoy luxury shopping.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend10 pts (4 miles) per S$1 spend with select dining & retail merchants2 complimentary green fees/month at 120 fairways worldwideFree travel insurance, lounge access & global conciergeUp to 19.1% fuel savings on petrol in SingaporeBest Cashback Credit Card for Golfers: CIMB World MasterCardConsider this if you want a free credit card with golf benefitsmore detailsPromotions:Up to 10% off bookings with Expedia & Booking, 8% with AgodaCIMB World MasterCard is the absolute best card on the market for affluent golfers looking to balance top-notch privileges with unlimited cashback rewards. While competitor cards narrow earning potential with merchant restrictions, CIMB World MasterCard offers unlimited 2% cashback with all vendors across a variety of categories: wine & dining, entertainment, recreation, automobile & parking, petrol, and spend at duty-free stores.This 2% rate is higher than the flat 1.5% offered by other unlimited cash back cards, and unlike these cards, CIMB World MasterCard is free forever. And, cardholders receive some of the best-golfing privileges on the market, including complimentary green fees across 40 fairways in SE Asia. Consumers can play up to 4 flights per course per year, or up to 160 games; competitor cards offer access to more fairways, but flights are limited to 24 per year. Ultimately, CIMB World MasterCard is the best no-fee option to both earn unlimited cashback and enjoy top golfing privileges.Read Our Full ReviewOverview of Card DetailsAnnual fee: FreeUnlimited 2% cashback on wine & dining, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)Unlimited 1.5% cashback on all other spendsComplimentary green fees at 40 fairways in SE AsiaFree travel insurance, access to MasterCard Airport ExperiencesCIMB 0% Interest i.Pay Instalment PlanBest No-Fee Card for Cashback + Miles: HSBC Visa Platinum CardLearn MoreConsider this if you spend at least S$600/month and want to earn both cash rebates and milesmore detailsPromotions:Receive Samsonite T5 68cm Spinner luggage or S$150 cashbackHSBC Visa Platinum Card is the best card on the market for earning both cashback and miles, especially if you’re looking to avoid an annual fee. Cardholders earn 5% cashback on local dining, groceries, and petrol after just S$600 minimum spend. All other spend earns 0.4 miles per S$1, with no minimum spend requirement. While this is on the lower side, it’s worth pointing out that the rebate covers the top spend categories in the average consumer’s budget. In addition, cardholders can earn up to S$83/month (S$250/quarter) which is fairly high.Another reason HSBC Visa Platinum Card stands out is that cardholders can earn a waiver for the S$192.6 fee with just S$12,500 annual spend. Ultimately, this card is the best option for versatile rewards on core local spending, especially if you spend enough to earn the fee-waiver.Read Our Full ReviewOverview of Card DetailsAnnual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend5% cashback on local dining. groceries & petrol (up to S$250/quarter)0.4 miles per S$1 general spend, unlimitedUp to 21% fuel savings with Caltex, Shell (including 5% card rebate)Best No-Fee Card for Health, Transport & Dining: CIMB Platinum MasterCardConsider this if you want a specialized rebate credit card for health, transport, and diningmore detailsPromotions:Up to 10% off bookings with Expedia & Booking, 8% with AgodaCIMB Platinum MasterCard is an especially unique card, combining exceptional rewards for medical expenses, transport, dining & more. Each of these categories–as well as travel, spend in foreign currency and electronics/furnishings purchases– earns 10% cashback, up to a cumulative S$100/month. Very few credit cards reward health or home improvement spends, especially at such high rates–making CIMB Platinum MC truly stand-out. Even more, while there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MC an excellent option for those seeking a low-risk, no-maintenance credit card.Read Our Full ReviewOverview of Card DetailsAnnual fee: Free10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendorsCIMB 0% Interest i.Pay Instalment PlanNo-Fee Cashback for Beauty & Online Fashion: CIMB Visa Signature CardConsider this if you want a no-fee credit card for beauty, online fashion & moremore detailsPromotions:Up to 10% off bookings with Expedia & Booking, 8% with AgodaCIMB Visa Signature Card is a great option for grocery-shoppers seeking cashback for discretionary spend. Groceries, online shopping, beauty, pet care, and transactions with cruise lines all earn 10% rebate, up to S$20/category. This adds up to a potential S$100/month–quite respectable given market standards–through accessing these rates requires an S$800 minimum spend. It's also worth mentioning that CIMB Visa Signature is exceptionally low-risk and low-maintenance, as there's no annual fee. This means consumers who only periodically shop these categories can still benefit from the high rebate rates.Read Our Full ReviewOverview of Card DetailsAnnual fee: Free10% cashback on groceries, online shopping, beauty, pet care & cruise linesFree travel insurance & global conciergeCIMB 0% Interest i.Pay Instalment PlanSummary of Best No-Fee Credit Cards 2019Below, we've prepared a summary of our picks for the best no-fee credit cards for 2019.CardBest for...Annual FeeOCBC 365Everyday & FamilyS$192.6 (waiver)Learn MoreMaybank F&FSpend in SG & MYS$180.0 (waiver)Learn MoreUOB PRVI MilesRapid MilesS$256.8 (waiver)Learn MoreMaybank Horizon VisaMiles for Local SpendS$180.0 (waiver)Learn MoreOCBC FrankSocial Young AdultS$80.0 (waiver)Learn MoreMaybank Plat VisaVery Low SpendersS$20.0 (waiver)Learn MoreHSBC Advance CardAffluent Spenders, No-FeeS$180.0 (waiver)Learn MoreHSBC RevolutionOnline & Social SpendS$160.5 (waiver)Learn MoreOCBC TitaniumFashion & RetailS$192.6 (waiver)Learn MoreCompare the Best No-Fee Credit Cards by Dollar ValueBelow, we prepared a visual illustration of the dollar value of the best no-fee credit cards in Singapore. Generally, dollar values* range from S$500 to S$2,000 over 2 years for someone who spends S$2,000 on the card every month. Remember, this is an approximate value based on an estimate of the average consumer's spending habits and may differ in actual result depending on your unique set of expenditures.Best No Annual Fee Credit Cards in Singapore by Estimated 2-Year Dollar ValueFootnotes*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles, and cash back in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone and have not been reviewed, approved or otherwise endorsed by the credit card issuer.Carrie ArndtCarrie is a Senior Analyst at ValueChampion, specializing in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.