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
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
|
SingSaver's Exclusive Offer: Receive the following rewards when you apply for select OCBC credit cards:
For OCBC 365/90N Visa Cards: Get a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2X Apple AirTag] (worth S$570.80) or a Dyson AM07 (worth S$459) or S$270 eCapitaVoucher or S$200 Cash+S$50 eCapitaVoucher via PayNow when you make a min. spend of S$500 within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 14 August 2024. T&Cs apply.
For OCBC Infinity/90N Mastercard/Rewards Cards: Get a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + Apple AirTag] (worth S$525.40) or an Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274) or S$220 eCapitaVoucher or S$200 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 14 August 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$200. Valid till 31 July 2024. T&Cs apply.
- S$200 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
- S$280 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
- S$380 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
- S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)
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![]() |
1.5% cashback on all spend
No min. spend
No cap on cashback
|
SCB Rewards+ Card
|
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![]() |
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
|
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
|
⚡Flash Deal⚡: Get an Apple iPhone 15 128GB (worth S$1,311) on top of existing rewards when you are the 7th applicant and every subsequent 10th applicant (7th, 17th, 27th, 37th, etc.) for select Standard Chartered credit cards and fulfil all promo criteria. Valid till 31 July 2024. T&Cs apply.
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.
Standard Chartered Simply Cash 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 SE (GEN 2) GPS + Cellular 44mm (worth S$503.60) or S$350 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$250. Valid till 31 July 2024. T&Cs apply.
- S$250.00 for an Apple Watch Series 9 (GPS), 41mm (worth S$604.50)
- S$799.00 for an Apple Watch Ultra 2 GPS + Cellular, 49mm (Alpine Loop/Ocean Band/Trail Loop) (worth S$1,210.10)
- S$1,050.00 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
- S$1,150.00 for an iPhone 15 Pro 128GB (worth S$1,664.25)
Standard Chartered Smart Card and Rewards+ Card: Receive a Dyson AM07 (worth S$459) or Sony WF-1000XM5 (worth S$429) or S$300 eCapita Voucher or S$280 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.
- S$190.00 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
- S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
- S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
- S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)
Standard Chartered Journey Credit Card Only: Receive an Apple AirPods Pro (worth S$365.70) or up to 60K Max Miles or S$280 eCapita Voucher or S$250 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.
Get the additional 45k miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.
- S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
- S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
- S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)
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![]() |
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
|
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![]() |
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![]()
|
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)
|
⭐HSBC CC Lucky Draw⭐: Apply for an HSBC Credit Card and get the chance to win a Mercedes-Benz EQB or 86,000 KrisFlyer miles (enough for a round-trip economy class ticket to Paris). Get up to 30+ chances to win when you apply for HSBC Credit Cards and spend a minimum of S$500. Valid till 23 September 2024. T&Cs apply.
SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC credit card.
HSBC Advance Card (📣Offer Only Available on SingSaver📣): Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
HSBC Live+ Card: Receive a FLUJO SmartTrax Standing Desk (worth S$699) or a Dyson AM07 (worth S$459) or a Sony WF-1000XM5 (worth S$429) or S$300 eVoucher (Redeem from Merchants such as Shopee, Grab) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
Get up to S$900 worth of vouchers and cashback with Live+:
- S$300 eVoucher when you sign up with SingSaver
- S$100 cashback from HSBC when you charge 1 qualifying transaction (T&Cs)
- up to S$500 cashback from Live+ Card over 6 months (based on 8% cashback capped at S$250 per quarter)
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$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles upon activating and spending min. S$1,000 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date and providing marketing consent. Available for both new and existing card holders. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
- S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB worth (S$529.00)
- S$250 for an Apple Watch Series 9 (GPS), 41mm worth (S$604.50)
- S$200 for a Sony HT-AX7 Portable Theatre System worth (S$769.00)
- S$588 for a Sony ZV-1M2 Vlog Camera worth (S$1,209.00)
- S$980 for a Macbook Air 13" 256GB M3 worth (S$1,599.00)
- S$1,099 for an Apple iPhone 15 Pro 128GB worth (S$1,664.25)
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![]() |
Up to 15% cashback (for new-to-UOB cardmembers) / 10% cashback (for existing UOB customers):
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
|
8% cashback on online and mobile contactless transactions
Min. S$600 spend per month, capped at S$60 cashback
No annual fee with 3 monthly purchases for 12 months
|
UOB Lady's Card / Lady's Solitaire Card![]() ![]() |
10X UNI$ per S$5 spend (4 mpd) on one / two preferred category(ies) from these categories:
Bonus points capped at S$1,000 / S$2,000 spend per month respectively |
UOV PRVI Miles Card
|
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
|
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$500,000 complimentary travel insurance coverage |
UOB Absolute Cashback Card
|
1.7% unlimited cashback on all spend No min. spend No cap on cashback |
UOB Preferred Platinum Visa Card |
10X UNI$ 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 |
UOB Credit Card Welcome Offer: Receive up to S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. Valid till 31 July 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.
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