Backpacker walking along rice fields - American Express

First year fee waiver Credit Cards


A Credit Card with no annual fee for the first year is a great way to experience being an American Express Cardmember and its perks. It offers both convenience and value. Find out if these Cards are for you.

Why choose a Credit Card with the first year's annual fee waived


Having the annual fee waived doesn't have to mean no benefits. In fact, our first year fee waiver benefit for Credit Cards have great benefits and rewards. You can earn KrisFlyer Miles, Cashback, Membership Rewards points without paying annual fees! As a Cardmember you also automatically gain access to an exciting selection of year round offers and discounts via American Express Selects and, for eligible Cards, the ability to transfer your Membership Rewards points to range of airline rewards partner programs.


With all the benefits of being an American Express Card Member, without the annual fee, these Cards also offer:

  • Points, Cashback and KrisFlyer Miles for every dollar spent on purchases
  • Access to year round offers, discounts and exceptional value and privileges in travel leisure, dining and shopping
  • 24/7 support for anything you need 
Skier gliding down steep slope - American Express

Our first year fee waiver Cards

Welcome bonus of 5,000 KrisFlyer miles the very first time you charge to your Card.


S$176.55 (inclusive of GST) First Year Fee Waiver.


  • Receive 7,500 bonus KrisFlyer miles upon spending S$5,000 in the first 3 months upon Card approval.
  • Receive additional 7,500 KrisFlyer miles when you spend S$5,000 in the 4th to 6th month of Card Membership.
  • Receive 1,500 KrisFlyer miles each, for the first two approved Supplementary Cards.
  • Receive S$150 Cashback for use on your next purchase on when you spend S$12,000 on eligible purchases with your Card from 1 July 2018 till 30 June 2019.

  • Earn 3.1 KrisFlyer miles for every S$1 spent on your daily essentials at the following participating merchants: Deliveroo, Food Panda, McDonald's, SISTIC, Starbucks, Subway, The Coffee Bean & Tea Leaf, Unity and Watsons, up to S$200 spend in each calendar month. Click here for more details
  • Earn 3.1 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spend in each calendar month.
Receive S$60 CapitaVoucher when you spend S$1,500 in your first 3 months (awarded in STAR$®).
S$171.20 (inclusive of GST) First Year Fee Waiver.
  • Receive an American Tourister Erie 67/24 Luggage (worth S$200) when you spend an additional S$3,000 within the first 3 months upon Card approval.
  • Earn 5 STAR$® for every S$1 spent on eligible purchases.
  • Earn 3X STAR$® when you spend in CapitaLand Malls.
  • Enjoy Complimentary 3-hour parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 in a calendar month.
  • Receive S$20 CapitaVoucher for each approved Supplementary Card, limited to the first 2 approved Cards.

3% Cashback for first 6 months up to S$5,000 spend*


S$171.20 (inclusive of GST) First Year Fee Waiver


  • More savings with True Cashback Deals!
  • 1.5% Cashback on purchases of good and services you make, anytime
  • Book with American Express and enjoy attractive offers on flights and hotels
  • American Express Selects® and Global Dining Program

Key benefits at a glance


An American Express First Year Fee Waiver Card offers you:


  • A welcome bonus on selected Cards
  • The ability to earn rewards points at no cap
  • Purchase protection
  • Online fraud guarantee
  • Travel Accident and Travel inconvenience coverage
  • 24/7 Global Assist and Customer Service
  • Access to our American Express Selects





To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 21 or over 

I have an income that meets the minimum for the Card I am interested in

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

Get an instant decision within 60 seconds


Step 1: Submit your Card application online and receive instant decision within 60 seconds!


Step 2: If your Card application has been conditionally approved, you will receive further instructions to upload the required supporting documents.


Step 3: Once we have received and verified all required supporting documents, your Card will be approved and you will receive your Card in the next 3 to 5 business days.


Please refer to individual card pages for eligibility requirements.

Explore our types of Cards

First year fee waiver Cards - Get the most out of your Card with no annual fee for the first year.


A Credit Card with no annual fee for the first year is a great way to experience being an American Express Cardmember and its perks. It offers both convenience and value.

Singapore Airlines Credit Cards - Get the most out of life.


Accumulate KrisFlyer miles on virtually every dollar you spend on your Card plus we'll transfer your miles straight to your KrisFlyer account each month.

Cashback Credit Cards - Earn Cashback everyday.


The American Express True Cashback Credit Card gives you all the benefits and convenience of an American Express Credit Card, whilst earning your Cashback on almost everything you buy.


Rewards Cards - Get the most out of life.


Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for points for flights, hotels, gift cards and exclusive dining promotions with eligible Cards.

Air Miles Cards - Get the most out of life.


With the ability to earn KrisFlyer miles or Membership Rewards points on practically every purchase and often additional travel benefits like lounge access, complimentary travel protection and 24/7 global Card support.

Premium Cards - Earn Membership Rewards points or premium rewards.


For service and benefits that are second to none, reward yourself with a Premium Card for your platinum lifestyle.

Credit and Charge Cards explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card Guides are a great place to start.

Find a type of Card to suit your needs

Explore our range of Cards, you're bound to find something to suit your needs and lifestyle.