Best Instant Approval Credit Cards That Also offer Digital Cards

SingSaver team

SingSaver team

Last updated 01 January, 2024

Instant approval credit cards are enticing if you have big-ticket purchases on the horizon and you want to rack up cashback, miles, or rewards points in time.

While not every credit card on the market is available to applicants right away, there’s a fair number of instant approval credit cards for you to choose from across the various banks in Singapore. These banks understand how frustrating it can be for potential customers to wait; hence, the process for obtaining such credit cards has been made seamless, quick and secure altogether with MyInfo. 

To make your life a tad easier, we’ve rounded up the instant approval credit cards, including instant digital credit cards, from the various banks below for your easy reference. As a bonus, the majority of these credit cards are accessible, requiring only a minimum annual income of $30,000!

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OCBC

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Exclusive to Singaporeans and Singapore PRs with SingPass credentials, OCBC offers instant approval for the majority of the credit cards in their lineup. Log in to MyInfo using SingPass to get instant approval for your credit card. 

These are the OCBC credit cards that qualify for instant approval:

Credit card
Key benefits

OCBC 365 Card

OCBC365
5% cashback on dining worldwide and online food delivery
 
6% cashback on all petrol
 
3% cashback on groceries worldwide, ride-hailing, public transport, utilities, electric vehicle charging, pharmacies, and  streaming subscriptions
 
Min. S$800 / S$1,600 spend per month, capped at S$80 / S$160 cashback

OCBC Titanium Rewards Card

OCBC-Titanium-Rewards-U1200626-Front-RGB-2
OCBC-Titanium-Rewards-Pink-U1201021-Front-RGB
50 OCBC$ per S$5 / 4 mpd on eligible online and retail transactions 
 
Capped at 10,000 OCBC$ per calendar month
 
Additional 2% cash rebate at BEST Denki

OCBC FRANK Card

ocbc_card_Frank-3
8% cashback on foreign currency, online, and contactless spend
 
Extra 2% cashback on selected sustainable spend
 
Min. S$800 spend per month, capped at S$100 cashback

Standard Chartered Bank

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Standard Chartered offers instant digital cards for Singaporeans and Singapore PRs who apply for certain credit cards with the bank using MyInfo. Upon approval and activation, the digital credit card can only be used for: 

  • 3-Domain Secure (3DS) online purchases which are authenticated by OTP (One-Time Password)
  • Payments through Apple Pay, Google PayTM and Samsung Pay

You have up to 15 calendar days from the date your credit card was approved to activate your digital credit card. 

What about the traditional physical credit cards we’re all familiar with? Fret not, you will still receive your physical credit card within five to seven working days. However, bear in mind the digital credit card will no longer be usable once you have activated the physical card! 

You can apply for instant digital cards with the following Standard Chartered credit cards

Credit card
Key benefits

SCB Simply Cash Card

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1.5% cashback on all spend
 
No min. spend
 
No cap on cashback

SCB Rewards+ Card

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Up to 10X Rewards Points on foreign currency spend on overseas retail, dining, and travel transactions
 
Up to 5X Rewards Points on local dining transactions in SGD

SCB Journey Card

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1.2 mpd on local spend
 
2 mpd on foreign spend
 
3 mpd on online local transactions for transport, grocery, and food delivery merchants (capped at S$1,000 spend per month)
 
2 complimentary Priority Pass airport lounge visits per year
 
Up to S$1 million complimentary travel insurance coverage

SCB Visa Infinite Card

scb-visa-infinite-card

 

 

1.4 mpd on local spend
 
3 mpd on foreign spend
 
Min. S$2,000 spend per month; otherwise 2.5 mpd only
 
6 complimentary Priority Pass airport lounge visits per year
 
Up to S$1 million complimentary travel insurance coverage 

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered credit card. Eligible for new Standard Chartered cardholders only.

SCB Simply Cash_KV1_BLOGARTICLE_800x250 (1)

Standard Chartered Simply Cash Credit Card : Receive a Sony HT-AX7 (worth S$769) or a Dyson SSHD (worth S$699) or an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or S$330 cash upon activating and spending min. S$500 within 30 days of card approval. Also, get an additional S$30 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Valid till 17 June 2024. T&Cs apply

Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 17 June 2024. T&Cs apply.

Plus, get S$288 cashback when you make a min. spend of S$588 within 1 month of card approval. Valid till 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$799 for an Apple Watch Ultra 2 GPS + Cellular, 49mm (Alpine Loop/Ocean Band/Trail Loop) (worth S$1,210.10). Alternatively, top up S$1,150 for a Macbook Air 13" 256GB M3 (worth S$1,599) or iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 17 June 2024. T&Cs apply.

SCB Smart_Rewards_BLOGARTICLE_800x250

Standard Chartered Smart Card and Rewards+ Card: Receive a Sony WF-1000XM5 (worth S$429) or a Xiaomi Robot Vacuum S10 EU (worth S$349) or up to S$250 cash upon activating and spending min. S$250 within 30 days of card approval. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Valid till 17 June 2024.   T&Cs apply.

Receive an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 17 June 2024. T&Cs apply.

Plus, get S$288 cashback when you apply for an SCB Smart Credit Card and make a min. spend of S$588 within 1 month of card approval. Valid till 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$199 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00) or a Xiaomi Robot Vacuum X20 UK (worth S$699). Valid till 17 June 2024. T&Cs apply.


Standard Chartered Journey Credit Card Only: Receive up to 60K combined Max Miles (the highest miles rewards on the market) or an Apple AirPods Pro (Gen 2) (worth S$365.70) or up to S$150 cash upon activating your card within 30 days and no minimum spend required. Get the additional miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 2 months of card approval. Valid till 17 June 2024. T&Cs apply.

Also, receive a S$20 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Plus, get an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 17 June 2024. T&Cs apply. 

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$199 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00) or a Xiaomi Robot Vacuum X20 UK (worth S$699). Valid till 17 June 2024. T&Cs apply.


HSBC

HSBC Logo

HSBC offers instant approval for new-to-bank Singaporeans and Singapore PRs who apply for select HSBC credit cards via MyInfo using the HSBC Singapore app. The salaried Singaporean or PR applicant must be residing in Singapore. 

To start, download the HSBC Singapore app from your app store. Click ‘Start my application’, choose the credit card you are interested in. Apply with MyInfo and receive a decision status from the bank. Thereafter, you may register for online banking. 

These are the HSBC credit cards that qualify for instant approval: 

Credit card
Key benefits

HSBC Revolution Card

HSBC-Revolution-New
10X Rewards Points / 4 mpd on eligible online and contactless spend
 
Capped at S$1,000 spend / 9,000 bonus points per month
 
No annual fee

HSBC Advance Card

HSBC-Advance-Card-1

 

 

1.5% cashback on all eligible spend, with no min. spend
 
2.5% cashback on all eligible spend, with min. S$2,000 spend
 
Extra 1% HSBC Everyday+ Rewards cashback
 
Up to S$500,000 complimentary travel insurance coverage

HSBC TravelOne Credit Card

HSBC TravelOne

1.2 mpd on local spend

2.4 mpd on foreign spend

4 complimentary airport lounge visits per year

Up to US$100,000 complimentary travel insurance coverage

HSBC Visa Platinum Card

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5% cash rebate on dining, groceries, and fuel
 
1 Reward Point per S$1 spend on all other shopping
 
Extra 1% HSBC Everyday+ Cashback

HSBC Visa Infinite Credit Card

H118023_P138162_HSBC_VisaInfinite_CMYK

2.25 mpd on all eligible spend
 
Unlimited airport lounge visits per year, including other travel privileges (e.g. limo transfer, expedited immigration clearance)

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC credit card.

HSBC Advance_BLOGARTICLE_800x250

HSBC Advance and Visa Platinum Credit Card: Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or 18K Max Miles (worth a trip to Tokyo) upon activating your card and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 20 June 2024. T&Cs apply.

HSBC_TravelOne_KV1_BLOGARTICLE_800x250

HSBC TravelOne Credit Card: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 10th Gen 10.9"  WiFi 64GB (worth S$529) or an Apple Watch Series 9 (worth S$604.50) or S$375 eCapitaVoucher or 24K Max Miles upon activating your card and spending min. S$1,000 plus pay an annual fee of S$196.20 by the end of the following calendar month from the card account opening date. Valid till 20 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Rewards Upgrade Campaign⬆️: Upgrade your rewards when you top up S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). Alternatively, top up S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) or top up S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 20 June 2024. T&Cs apply.


UOB

LOGO_UOB

UOB offers instant approval for new-to-bank Singaporean or Singapore PR applicants who use MyInfo to complete their applications for UOB credit cards between 7am to 8pm.

Successful applicants have to first pass all screening steps and income checks to be eligible for instant account opening. You should receive an SMS notification along with a notification email or letter regarding your credit card application status. 

Existing-to-bank applicants who apply via internet banking can also enjoy instant approval for their credit card applications with UOB. Existing UOB customers can expect to receive an SMS notification detailing their credit card application status within minutes from submission.

These are the UOB credit cards that qualify for instant approval:

Credit card
Key benefits

UOB One Card

UOB_ONE-4
Up to 15% cashback (for new-to-UOB cardmembers) / 10% cashback (for existing UOB customers):
  • Public transport
  • Shopee
  • Dairy Farm International merchants
  • Grab
  • UOB Travel
  • McDonald's
3.33% base cashback on all eligible spend
 
Min. S$500 / S$1,000 / S$2,000 spend across min. 5 transactions per month per quarter
 

UOB EVOL Card

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8% cashback on online and mobile contactless transactions
 
Min. S$600 spend per month, capped at S$60 cashback
 
No annual fee with 3 monthly purchases for 12 months
 
 

UOB Lady's Card / Lady's Solitaire Card

uob-ladys-card
uob-ladys-solitaire-card

10X UNI$ per S$5 spend (4 mpd) on one / two preferred category(ies) from these categories:

  • Beauty & wellness
  • Fashion
  • Dining
  • Family
  • Travel
  • Transport
  • Entertainment

Bonus points capped at S$1,000 / S$2,000 spend per month respectively

UOV PRVI Miles Card

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UOB_PRVI_MASTERCARD

 

1.4 mpd on local spend

2.4 mpd on foreign spend

6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel

 

KrisFlyer UOB Card

KrisFlyer-UOB-Credit-e1568109528916

 

 

3 mpd on everyday spend like dining, online food delivery, online shopping, online travel, and transport

3 mpd on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases

1.2 mpd on all other spend

Min. S$800 spend per year on Singapore Airlines-related spend to qualify

Up to S$500,000 complimentary travel insurance coverage

UOB Absolute Cashback Card

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1.7% unlimited cashback on all spend

No min. spend

No cap on cashback

UOB Preferred Platinum Visa Card

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10X UNI$ per S$5 spend / 4 mpd on online shopping, mobile contactless, and entertainment spend

Capped at UNI$2,000 spend on selected online and mobile contactless transactions per month

UOB Visa Signature Card

UOB-Visa-Signature

10X UNI$ per S$5 spend / 4 mpd on overseas spend (including online) and petrol & contactless payments

Min. S$1,000 overseas spend and S$1,000 local spend per month

Capped at S$2,000 spend per month

UOB Credit Card Welcome Offer: Receive S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.


Can’t wait to get your credit card?

Before you click on the ‘Apply Now’ button, definitely shortlist a few different credit cards and compare to see which one suits your lifestyle and spending habits the most. Some people enjoy the ease that cashback credit cards offer while others are in the game to snag rewards points or miles. Consider their sign-up bonuses for new cardmembers, too, if you want to truly maximise your potential gains from using a credit card!

Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

 

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.

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