Feesi

Annual fees charged

S$1,714.83

including GST

Reversed

S$0.00

credited back

Still paid

S$1,714.83

what it cost you

Other fees

S$197.48

conversion, late, transfer

S$1,714.83 was charged and never credited back.

Not reversed, still worth askingi

UOB ONE CARDS$185.04charged 30 May 2026worth asking

DBS YUU AMERICAN EXPRESSS$185.43charged 23 Mar 2026worth asking

DBS YUU AMERICAN EXPRESSS$100.38charged 23 Mar 2026worth asking

DBS WOMAN'S WORLD MASTERCARDS$245.75charged 28 Jul 2026worth asking

5 older fees went unreversed too, but were charged more than 6 months ago — they are in the table below rather than here, since a bank will not reopen them.

Annual fees, card by cardi

UOB ONE CARDS$445.03 paid

Charged	Fee	Fee back	GST	GST back	Net
30 May 2026	S$185.04	no	—	—	S$185.04
31 May 2025	S$259.99	no	—	—	S$259.99

Billed as “CARD MEMBERSHIP FEE -INCLUSIVE OF GST”.

AMEX SINGAPORE AIRLINES BUSINESSS$416.00 paid

Charged	Fee	Fee back	GST	GST back	Net
25 Sept 2025	S$376.36	no	S$39.64	no	S$416.00

Billed as “CARD ANNUAL FEE”.

DBS YUU AMERICAN EXPRESSS$285.81 paid

Charged	Fee	Fee back	GST	GST back	Net
23 Mar 2026	S$170.75	no	S$14.68	no	S$185.43
23 Mar 2026	S$92.62	no	S$7.76	no	S$100.38

Billed as “ANNUAL FEE”.

DBS WOMAN'S WORLD MASTERCARDS$245.75 paid

Charged	Fee	Fee back	GST	GST back	Net
28 Jul 2026	S$224.08	no	S$21.67	no	S$245.75

Billed as “ANNUAL FEE”.

CITI REWARDS WORLD MASTERCARDS$170.07 paid

Charged	Fee	Fee back	GST	GST back	Net
7 Nov 2025	S$148.27	no	S$21.80	no	S$170.07

Billed as “ANNUAL MEMBERSHIP FEE”.

Trust Cashback CardS$151.67 paid

Charged	Fee	Fee back	GST	GST back	Net
10 Nov 2025	S$151.67	no	—	—	S$151.67

Billed as “WISESHEETS ANNUAL FEE”.

LADY'S SOLITAIRE CARDS$0.50 paid

Charged	Fee	Fee back	GST	GST back	Net
3 Nov 2025	S$0.50	no	—	—	S$0.50

Billed as “ADD UNI$ - MEMBERSHIP FEE REV”.

Cards with no annual fee on recordi

CITI PREMIERMILES WORLD MASTER15 months of statements since 11 May 2025, no annual feeexpected by now

S$196.20 a year. The first year is waivable at application, and taking the waiver costs the larger sign-up bonus. Renewals are waived at Citi's discretion, and a successful waiver forfeits the 10,000-mile renewal bonus. (Mainly Miles / SuiteSmile Citi PremierMiles review)

MARI CREDIT CARD14 months of statements since 21 May 2025, no annual feenone to charge

No annual fee at all — MariBank does not charge one. (maribank.sg help centre)

PREFERRED VISA14 months of statements since 23 May 2025, no annual feeexpected by now

S$196.20 a year, first year waived. UOB waives later years on request through TMRW. (SuiteSmile UOB annual fee waiver guide)

These have no annual fee on record, but not enough history to say what that means. An annual fee comes once a year; none of these covers a full year yet.

DBS YUU VISAfirst year waived7 months imported, from 19 Dec 2025

S$196.20 a year, first year waived. DBS publishes no spend threshold for later years. First bill expected around 2026-12. (SuiteSmile DBS annual fee waiver guide)

HSBC VISA REVOLUTIONno annual fee1 month imported, from 23 Jun 2026

No annual fee. (The MileLion, annual fee waiver guide)

VISA SIGNATUREfirst year waived0 months imported, from 19 Jul 2026

S$218 a year, first year waived, later years on request. First bill expected around 2027-07. (SuiteSmile UOB annual fee waiver guide)

Other feesi

CITI REWARDS WORLD MASTERCARDS$45.42

S$3.66CCY CONVERSION FEE SGD 366.23 · 21 Feb 2026

S$1.96CCY CONVERSION FEE SGD 196.22 · 29 Aug 2025

S$1.70CCY CONVERSION FEE SGD 170.99 · 23 Jun 2026

and 69 smaller charges

CITI PREMIERMILES WORLD MASTERS$21.48

S$19.85MILES TRANSFER FEE · 29 Dec 2025

S$1.63GST ON MILES TRANSFER FEE · 29 Dec 2025

DBS YUU VISAS$130.58

S$130.58LATE CHARGES · 24 Jan 2026