Guides

Miles cards with no annual fee

Updated October 22, 2026

Cards that earn miles with no annual fee, followed by the lowest-fee cards.

Lowest-fee cards

HSBCHSBC Revolution Credit CardAnnual fee S$0 · 0.4 mi / S$1Trust Bank SingaporeTrust Freedom Card (Miles mode)Annual fee S$27.25 · 1.3 mi / S$1MaybankMaybank Perks CardAnnual fee S$59.95 · 0.4 mi / S$1MaybankMaybank XL Rewards CardAnnual fee S$114.45 · 0.4 mi / S$1

A good fit if

  • You spend too little to earn back an annual fee in miles
  • You are just starting to collect miles
  • You already have a main card and want a second card for extra miles

Check before you choose

  • Low- or no-fee cards usually earn at a lower rate.
  • Check earn caps and any minimum spend.
Try it with your spendingEnter your monthly spend to see yearly miles and net value for every card.
See the card ranking →

More guides

What is a mile worth?Read →How to use miles by airlineRead →Does the annual fee pay off?Read →