Best Instant Approval Credit Cards That Also offer Digital Cards

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!

Click to jump to:

• OCBC
• Standard Chartered Bank
• HSBC
• UOB

OCBC

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	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$160 cashback
OCBC Titanium Rewards Card	50 OCBC$ 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	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

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 Apply Now	1.5% cashback on all spend   No min. spend   No cap on cashback
SCB Rewards+ Card   Apply Now	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 Apply Now	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   Apply Now	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

HSBC

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

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 Apply Now	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   Apply Now	8% cashback on online and mobile contactless transactions   Min. S$600 spend per month, capped at S$60 cashback   No annual fee with 3 monthly purchases for 12 months
UOB Lady's Card / Lady's Solitaire Card Apply Now Apply Now	10X UNI$ 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 Apply Now   Apply Now   Apply Now	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   Apply Now	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$500,000 complimentary travel insurance coverage
UOB Absolute Cashback Card   Apply Now	1.7% unlimited cashback on all spend No min. spend No cap on cashback
UOB Preferred Platinum Visa Card	10X UNI$ per S$5 spend / 4 mpd on online shopping, mobile contactless, and entertainment spend Capped at UNI$2,000 spend on selected online and mobile contactless transactions per month
UOB Visa Signature Card	10X UNI$ 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

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!