Pre-Approved Credit Cards in Singapore That Don’t Affect CBS Score
Updated: 11 Apr 2025
Many issuers in Singapore can gauge your likelihood of approval without a credit check. If you're seeking a credit card with pre-approval, this guide is for you.

Written bySingSaver Team
Team
Pre-qualification and pre-approval for credit cards are distinct processes. Pre-qualification involves a soft credit check, providing an initial estimate of your eligibility, while pre-approval credit cards indicate a more thorough review and a significantly higher chance of approval. Essentially, what credit card pre-approval means is that the lender has already performed a detailed assessment of your creditworthiness to a greater degree, often based on existing customer data or targeted offers. Checking your eligibility through soft pulls is advantageous as it avoids hard credit inquiries that can temporarily impact your credit score.
This is why pre-approval matters in Singapore, allowing you to explore credit options without damaging your credit profile. Cashback cards, miles cards, and secured credit cards are among the types that may offer pre-approval or pre-qualification, while speciality cards like luxury cards might not. It's crucial to note that the formal application process, even after pre-approval, may necessitate a more detailed review from the bank, which includes a hard pull on your credit report.
Saver-savvy tip
To confidently apply for a credit card, understanding your credit rating is essential. You can obtain your detailed credit report from CBS for a nominal fee, providing valuable insights into your credit history and highlighting areas for potential improvement. There are also several financial institutions and credit card comparison platforms that offer tools to estimate your creditworthiness, giving you a general overview of your credit health without a fee. These tools can be a convenient way to get a quick snapshot of your credit standing.
>> MORE: How to Build Credit Score in Singapore
>> MORE: 5 Things You Should Know About Credit Score
How to check if you are eligible for a credit card
OCBC, UOB, and DBS all provide their eligibility requirements upfront so you can assess your likelihood of credit card approval without impacting your CBS score. Banks may also extend occasional offers of pre-approval credit cards to eligible customers, typically based on their existing relationship with the bank or their credit profile. These eligibility checker tools are a convenient way to determine your chances of approval before a formal application and allow you to prequalify for credit cards.
How to access pre-approval or pre-qualification
Each issuer requires different information to process a pre-qualification request, and this information can vary by card type. The table below provides the general information required from you. This will help you know how to see if you are pre-qualified for a credit card and what information you need to have on hand.
Issuer |
Required Information |
OCBC |
Age Requirement: Must be at least 21 years old. Required Information:
Singpass can be used to apply. |
Age Requirement: Must be at least 21 years old. Required Information:
Singpass can be used to pre-fill your application form. |
|
UOB |
Age Requirement: Must be at least 21 years old. Required Information:
Singpass can be used to apply. |
Saver-savvy tip
Applying for a card with a bank where you already have an account can be more convenient. Banks often streamline the process through their digital banking platforms, making it easier for existing customers to apply and often offering pre-filled forms or expedited approvals.
Top credit cards that offer preapproval in Singapore
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OCBC 365 Credit Card
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OCBC Rewards Card
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OCBC FRANK Credit Card
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OCBC 90°N Card
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UOB PRVI Miles Card
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UOB Lady’s Card
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UOB One Card
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DBS Live Fresh Card
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DBS Altitude Card
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DBS Women’s Card
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DBS Black Card
Our Pick for: Cashback across a wide range of categories
The OCBC 365 Credit Card offers robust cashback across diverse categories, making it ideal for families. You can enjoy significant rebates on local and overseas dining, including online food delivery and fuel purchases at any petrol station. Plus, you can earn cashback on both local and overseas groceries, including online deliveries. It's also perfect for managing household bills with 3% cashback on recurring telco and electricity expenses, providing substantial savings for everyday spending.
Our Pick for: Earning miles
The OCBC Rewards Card, formerly the OCBC Titanium Rewards Card, is a top choice for miles enthusiasts. You can earn 6 miles per dollar at select retailers per quarter and 4 miles per dollar on all shopping, both in-store and online, locally and overseas. This translates to 10 OCBC$ per S$1 spent, covering a wide range of stores like department, shoe, and clothing retailers. Plus, cardholders can enjoy a two-year annual fee waiver, making it a cost-effective way to accumulate miles.
>> MORE: Full review of the OCBC Rewards Card
Our Pick for: Cashback structure
The OCBC FRANK Credit Card boasts a straightforward 8% cashback rate on online and contactless mobile transactions, as well as foreign currency purchases, both online and in-store. While the minimum spend has increased to $800, it consolidates spending requirements, potentially making it easier to achieve. Once met, you unlock a flat 8% cashback across these categories, catering to diverse spending habits and making it adaptable for various life stages.
Our Pick for: Best travel credit card
The OCBC 90°N Card is OCBC's premier travel credit card, offering miles that never expire. You can earn 1.3 miles per S$1 on local spending and 2.1 miles per S$1 on overseas spending. Plus, you can enjoy up to 7 miles per S$1 on travel bookings through Agoda. You can redeem your accumulated miles for a wide array of options, including hotel stays, car rentals, retail vouchers, and even cash rebates on your credit card bills, making it a versatile travel companion.
>> MORE: Full review of the OCBC 90°N Card
Simplify Your Credit Card Search
Tired of endless comparisons? Find the best cashback cards, travel rewards cards, and more effortlessly.
Our Pick for: Frequent travellers
The UOB PRVI Miles Card is a top choice for frequent travellers, thanks to its generous earning rates. Cardholders enjoy 1.4 miles per S$1 on local spending and 2.4 miles per S$1 on overseas spending. Furthermore, you can earn up to 6 miles per S$1 on travel purchases made through Agoda, Expedia, and UOB Travel. To enhance your travel experience, the card also provides complimentary travel insurance, ensuring added protection during your journeys.
Our Pick for: Tailored Spending Rewards
The UOB Lady’s Card is excellent for those with focused spending habits. If you consistently spend at least S$1,000 per month in one or two select categories, this card allows you to accumulate miles quickly and effortlessly. It's a straightforward way to maximise rewards for your preferred spending areas. Additionally, the card offers up to US$100,000 in complimentary travel insurance and complimentary e-commerce protection, providing added security for your purchases.
>> MORE: Full review of the UOB Lady’s Card
Our Pick for: Comprehensive Cashback Rewards
The UOB One Card provides a broad range of cashback benefits, making it a versatile choice for everyday spending. Cardholders can enjoy 10% cashback on all Grab rides and save 10% on groceries at popular stores like Cold Storage, Giant, and 7-Eleven. Additionally, cardholders can receive a 1% cash rebate on utility bills and up to 24% fuel savings at SPC. This card effectively covers a variety of essential expenses, maximising savings across multiple categories.
>> MORE: Full review of the UOB One Card
Our Pick for: No-frills cashback card for young adults
The DBS Live Fresh Card is an ideal entry-level cashback card for young adults, with a manageable S$800 monthly minimum spend and a S$30,000 annual income requirement. Cardholders earn a solid 6% cashback on shopping sprees and daily commutes, making it perfect for regular expenses. Plus, cardholders can enjoy unlimited 0.3% cashback on all other eligible spending, providing consistent returns on their everyday transactions.
Our Pick for: Occasional Travel Rewards
The DBS Altitude Card is perfect for occasional travellers seeking flexible miles accrual. You can earn bonus miles of 1.3 miles per dollar (mpd) on local spending and 2.2 mpd on overseas spending, providing solid returns on travel-related expenses. New cardholders can also enjoy a waived first-year annual fee, and subsequently, paying the S$196.20 annual fee grants 10,000 bonus air miles and membership renewal, making it a valuable option for those who travel periodically.
>> MORE: Full review of the DBS Altitude Card
Our Pick for: Rewards points
The DBS Women’s Card, an excellent entry-level to mid-tier option, excels in rewarding online and overseas shopping. Cardholders earn rewards points at an accelerated rate, up to 5X DBS Points (equivalent to 2 miles per dollar), making it ideal for frequent online shoppers and international purchases. Enjoy exclusive card privileges across shopping, dining, and travel with popular merchants like Foodpanda, Zalora, and Trip.com, enhancing your lifestyle experience.
>> MORE: Full review of the DBS Women’s Card
Frequently Asked Questions
Pre-qualification involves a soft credit check to estimate your eligibility, while pre-approval for credit cards means a lender has conducted a more thorough review and is likely to approve you. Pre-qualification is an initial estimate, whereas pre-approval indicates a higher probability of approval.
No, credit card pre-qualification does not harm your credit. It uses a soft credit check, which does not impact your credit score. This allows you to explore potential card options without affecting your creditworthiness or triggering a hard inquiry.
You can prequalify for credit cards from various banks in Singapore, including DBS, OCBC, and UOB. These banks offer online tools to check your eligibility without impacting your credit score. This can help you explore your options before a formal application.
No, pre-qualifying for a credit card does not guarantee approval. It's an estimate based on a soft credit check. Final approval depends on a full application and hard credit check. What credit card pre-approval means is that a lender has already done a more complete review.
Whether you can pre-qualify for American Express cards in Singapore depends on their specific pre-qualification offerings, which can change. It's best to check the eligibility criteria for the cards with American Express directly for the most updated information.
The availability of pre-qualification for Citibank credit cards in Singapore is contingent on their evolving offerings. To ensure you have the latest information, it's best to confirm their current pre-qualification procedures and eligibility criteria directly with Citibank.
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SingSaver Team
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.