How to Apply & Get Approved for a Credit Card in Singapore in 2025

With major banks in Singapore like DBS, OCBC, UOB, and Standard Chartered now offering hassle-free instant approval credit cards via SingPass (for Singaporeans and PRs), applying for a credit card might literally be as easy as logging into a SingPass and completing the required form.

But what about situations where you have to manually apply and get approved for a credit card? If you’re unsure how your application might go, this is the step-by-step guide to help you feel confident.

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Before you apply for a new credit card, it's crucial to understand what credit score ratings are and how they’re relevant in the credit card application process. Your credit score is a numerical representation of your creditworthiness, and it can be key in determining your credit card approval chances.

Banks use your credit rating to determine how much of a risk you are – the worse your rating, the higher the chance you might not pay back a loan or debt, and the bank may deny your credit card application based on that. Most financial institutions require good credit ratings which may be tough for people with bad credit ratings or a lack of credit history, such as fresh graduates and young adults. An alternative you can consider is secured credit cards or improving your rating with the best loans for bad credit in Singapore.

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To apply for a credit card with confidence, it's essential to know your credit rating. You can access your credit score through various channels.

In Singapore, credit ratings are typically assessed by the Credit Bureau Singapore. You can obtain your credit report from CBS for a small fee to understand your credit history and identify areas for improvement.

Several financial institutions and credit card comparison websites offer free credit score and rating checks. These can be a convenient way to get a quick overview of your score and creditworthiness. Getting a free credit score and credit report will help you assess your credit card approval chances and identify areas for improvement before you apply for a new credit card.

» MORE: What is a good credit rating score in Singapore

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If your credit score rating isn't where you'd like it to be, don't worry! There are several steps you can take to improve your creditworthiness and increase your chances of getting credit card approval:

• Pay your bills on time 

• Keep your credit utilisation low

• Avoid applying for too much credit

Payment history is a major factor in your credit score. Ensure you pay all your bills, including credit card bills, utilities, and loans, on time to maintain a positive credit history. At the same time, aim to keep your credit utilisation ratio below 30% to demonstrate responsible credit management. This refers to the amount of credit you're using compared to your total credit limit. You should also apply for new credit cards strategically and only when necessary as each application creates a hard inquiry on your credit report, which can temporarily lower your score.

By taking these steps, you can gradually improve your credit score and enhance your chances of getting approved for a credit card that meets your needs.

» MORE: Fresh graduate or a young adult just entering the workplace? Learn how to build a strong credit score early

When you apply for a credit card, be prepared to answer questions about your financial situation. This include your income and employment history so that lenders can verify your income and employment status to assess your ability to repay the credit card debt.

You may be asked about any outstanding loans or credit card balances you have. This helps lenders further evaluate your overall debt level and creditworthiness.

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Answering these questions honestly and accurately is crucial for a smooth credit card application process. Always provide accurate and up-to-date information about your employment history, address, and contact details to ensure the process goes as smoothly as possible. If you’re currently unemployed you can explore alternatives to credit cards for low to no-income individuals.

When you're ready to apply for a credit card, consider your financial situation and goals first. Then choose a credit card that aligns with your spending habits and financial needs.

For example, if you're a frequent traveller, consider a travel rewards credit card. If you prefer cashback, look for a cashback credit card. Always compare the fees and interest rates of different credit cards to find one that offers the best value. And consider your spending habits and choose a credit card with a credit limit that suits your needs.

Applying for a credit card that matches your financial profile can increase your chances of approval and help you manage your finances effectively. Applying for the wrong credit card (e.g. if you don’t meet the minimum salary requirements) could lead to your credit card application being declined.

Once you get a credit card, be sure to use it responsibly as this will help improve your credit score. This applies to applicants with no income too. Some of the best secured credit cards in Singapore offer the same benefits and privileges as regular credit cards and can help you improve your credit rating for future credit card or loan applications.

» MORE: Learn more about applying for a credit card online

Even if you're not approved for an unsecured credit card on your first attempt, don't give up! There are steps you can take to improve your chances in the future.

Continue to practice good credit habits to boost your creditworthiness and improve your credit score rating. You can consider a secured credit card in the meantime, which can help you build credit and eventually qualify for an unsecured card.

If your application was rejected due to a specific card's requirements, consider applying for a credit card with less stringent criteria. You should also check your credit card application status for the latest updates.

» MORE: Why did my credit card application get rejected?

Applying for a credit card in Singapore is mostly a straightforward process. However, understanding the importance of your credit score and rating, preparing for application questions, and applying strategically can significantly increase your chances of getting approved for the best credit card that suits your lifestyle and financial goals.

If you're well-prepared and informed, you can confidently navigate the credit card application process and embark on your credit journey in Singapore.