First year no annual fee 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. Learn more about how Credit Card annual fee waiver works and pick the right Card for you.
What is an annual fee on a Credit Card?
Some Cards include a yearly fee that covers its benefits and services, and the amount you pay will vary from Card to Card, depending on its reward offering. Our first year fee waiver Cards allow you to enjoy benefits without paying this charge for the first year.
How does a Credit Card with no annual fee work?
No annual fee Credit Cards work in the same way as any other Credit Card, except you don’t pay an annual amount. The rewards and benefits may differ. You still have a credit limit, which is the maximum amount you can spend on your Card, and at the end of each billing period you’ll receive your statement with the amount you need to repay. With any American Express Credit Card, you need to repay at least the minimum repayment amount to avoid late payment fees. Any amount outstanding will be subject to interest.
Why choose a Credit Card with the first year’s annual fee waived?
Having your Credit Card annual fee waived doesn't have to mean you lose out on benefits. With our first year no annual fee Credit Cards you can earn KrisFlyer miles, Cashback and Membership Rewards points.
As a Cardmember you also automatically gain access to an exciting selection of year-round offers and discounts. For eligible Cards, you can transfer your Membership Rewards points to a range of airline rewards partner programs.
Benefits of our no annual fee Credit Cards include:
- Access to year-round offers, discounts and exceptional value
- Travel leisure, dining and shopping privileges.
- 24/7 support for anything you need.
- A welcome bonus on selected Cards.
- Card security and protection. American Express Cards feature Chip technology, and all transactions are processed through our own secure system to minimise the risk of fraud.
- Accepted around the world. Our Cards are accepted all over the world. Your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you are paying in US dollars, the amount will be converted directly to Singapore dollar. If you are paying in another currency, this will be converted to US dollars and then to Singapore dollar.
- Travel Accident and Travel Inconvenience coverage for peace of mind when you go away.
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
Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 by phone, text, email or mail. Our Global Assist® team provides immediate personal advice almost anywhere in the world, anytime of the day or night.
All American Express cards feature Chip and PIN technology and all transactions are processed through our own Secure System to minimise the risk of fraud, whether you use your Card at home or abroad.
Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of Card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.
American Express Air Miles Cards are accepted all over the world. Your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you are paying in US dollars, the amount will be converted directly to Singapore dollar. If you are paying in another currency, this will be converted to US dollars and then to Singapore dollar.
Register online and manage your account whenever you choose to, online or on your mobile. View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points at your convenience.
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.
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.
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.