For an island with a population of only 5.7 million, there are certainly a lot of credit cards in circulation. According to the Monetary Authority of Singapore (MAS), Singaporeans collectively owned a total of 7,662,808 credit cards as of January 2018.

If you happen to be a card-owning Singaporean, you’re probably always looking out for ways to get the best of your credit card. If so, owning or transitioning to a no-fee credit card can be a great way for you to maximise benefits while minimising costs. Some credit cards in Singapore have no annual fees at all, while others offer waived annual fees if you hit their minimum yearly spending. We’ve pulled out the best of these cards for you …