Credit Cards
Best No-Annual-Fee Travel Credit Cards in Singapore 2026
A no-annual-fee card lets you earn miles with zero fixed cost. Perfect as a starter or a backup card.
| Card | Local miles | Overseas miles | Fee (Yr 1) |
|---|---|---|---|
| Citi PremierMiles | 1.2 mpd | 2.2 mpd | Waived |
| HSBC TravelOne | 1.2 mpd | 2.4 mpd | Waived |
| SC Journey | 1.2 mpd | 2.0 mpd | Waived |
When a paid card is still worth it
If your overseas spend is high, a paid card's extra 0.4–1.0 mpd can outweigh the fee. Run the numbers on your own annual spend.
Related: Best travel cards 2026 · Cashback vs miles
Disclaimer: This article is general information, not official advice or financial guidance from any bank. Annual fees, miles rates and sign-up bonuses are subject to change — confirm the current figures on the official bank/airline pages before acting. Use credit responsibly.