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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 
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Our first year fee waiver Cards

Receive up to 13,300 KrisFlyer miles with a min. spend of S$3,000 in your first 3 months, and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express.


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



  • Welcome Bonus: 5,000 KrisFlyer miles the very first time you charge to your Card (for first-time American Express Singapore Airlines Credit Card applicants only).

  • Spend Bonus: Receive 5,000 bonus KrisFlyer miles when you spend S$3,000 in the first 3 months of Card Membership.
  • If you are new to American Express, you will receive an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) when you spend S$3,000 in the first 3 months of Card Membership. 
  • Earn Rate: Earn 3,300 KrisFlyer miles based on 1.1 KrisFlyer miles per S$1 spent locally (based on S$3,000 spent on eligible purchases above).
  • 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 2020 till 30 June 2021.
  • Earn up to 3.1 KrisFlyer miles for every S$1 spent on eligible purchases.
Receive up to 192,000 STAR$® (worth S$192 eCapitaVouchers) when you spend S$2,400 in your first 2 months at participating CapitaLand Malls merchants, for new American Express Card Members only. 
S$171.20 (inclusive of GST) First Year Fee Waiver.
  • Earn 5 STAR$® for every S$1 spent on eligible purchases.
  • Limited time offer: Earn up to 6X STAR$® (3% rebate) on transactions of S$20 and above at participating CapitaLand Malls’ merchants with your American Express CapitaCard. Offer is capped at S$1,200 spend per calendar month. Offer ends on 30 June 2021.
  • Enjoy complimentary 3-hour parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 in a calendar month.

Get up to S$80 CapitaVouchers with minimum spend of S$500 within the first month of Card approval.


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


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

  • 1.5% Cashback on purchases of good and services you make, anytime.

  • Register annually to enjoy an additional 1% Cashback on Foreign Currency Spend.

  • No minimum spend and no earn cap.

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.

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.