Credit Cards That Get You Instant Approval And Digital Cards

Denise Bay

Denise Bay

Last updated 08 March, 2021

Instant approval credit cards are particularly enticing if you have big ticket purchases on the horizon and you want to ensure you can get your hands on a rewarding credit card in time. Nobody would want to pass up on opportunities to earn cashback, miles or rewards points on their spending given a choice. 

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 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!


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: 

  • OCBC 365
  • OCBC 90N
  • OCBC Titanium
  • FRANK Credit Card
  • OCBC Cashflo Credit Card
  • OCBC Great Eastern Credit Card
  • OCBC Plus! Visa Credit Card
  • NTUC Plus! Visa Credit Card
  • OCBC Arts Platinum MasterCard
  • OCBC Platinum MasterCard
  • Best OCBC Platinum MasterCard

SingSaver promotion: Enjoy 5.6% cashback when you apply for the OCBC 365 credit card and make a min. monthly spend of S$800 within the first month following card approval. Promotion is for new OCBC cardmembers only. Valid till 31 August 2021. T&Cs apply.

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

Welcome offer: Enjoy a 3-month Disney+ subscription upon card activation. T&Cs apply. Apply for the Standard Chartered Visa Infinite Credit Card now!


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:  

Welcome Gift: Score a Samsonite Prestige 69Ccm Spinner Exp (worth S$670) or up to S$200 cashback when you apply and make a min. spend of S$500. Valid till 31 December 2022. T&Cs apply.

Pick your HSBC Credit Card now!


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.

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!

Read these next:
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Best Cashback Credit Cards In Singapore
Best Rewards Credit Cards In Singapore
Top Credit Card Promotions And Deals On SingSaver
Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)

While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.