Credit Cards in Singapore You Can Use After Approval

While not every credit card in Singapore 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 of obtaining such credit cards has been made seamless, quick and secure altogether with MyInfo. Meanwhile, there are also credit cards tied to a specific brand, such as store, hotel, and airline cards, that will offer you additional benefits like rewards and discounts.

And once you get approved, you have immediate access to funds for those urgent purchases, last-minute travel bookings, or online transactions. No more waiting around for days or weeks, just instant spending power at your fingertips.

To make your life a tad easier, we’ve rounded up the instant approval credit cards from the various banks, including instant virtual credit cards you can use immediately via mobile wallers and other platforms for quick and secure transactions, below for your easy reference. As a bonus, the majority of these credit cards are accessible, requiring only a minimum annual income of S$30,000!

>> READ MORE: Card issuers are offering cheaper ways to access your credit line

Our pick for: everyday spending with cashback on dining, groceries, and online purchases

What makes it stand out

The OCBC 365 Card is a popular choice for daily spending in Singapore offering up to 2X more cashback. This includes cashback across categories such as dining and food delivery, grocery shopping, fuel spend, ride-hailing, pharmacy purchases, online streaming services, and telco and utility bills. It frequently features promotions and tie-ups with local merchants, providing even more opportunities to save. While not always advertised as an "instant approval credit card," OCBC's efficient digital application process often leads to quick approval, and access to a digital card may be available shortly after.

How to use it right away

Upon approval you will receive a SMS or email containing the details needed to activate your card immediately. You can complete the activation process on the OCBC website to retrieve your card details, allowing you to instantly add your card to a mobile wallet or to make payment online. However, your CVV will change once you receive and activate your physical card, so do make sure you update your credentials accordingly.

» MORE: Read our full review of the OCBC 365 Card

Our pick for: young adults and online shoppers looking for high cashback

What makes it stand out

The OCBC FRANK Card is designed to appeal to a younger demographic in Singapore making it especially ideal for young adults or fresh graduates looking to build their credit. It often offers a digital card option for immediate use after approval, catering to the fast-paced lifestyle of young adults. With up to 10% cashback on online, mobile contactless, and foreign currency spending, it’s one of the highest cashback cards in Singapore (with a minimum spend of S$800 monthly).It also includes plenty of perks and discounts to enhance your lifestyle, such as entertainment and dining deals at trendy cafes and bars.

How to use it right away

Upon approval you will receive a SMS or email containing the details needed to activate your card immediately. You can complete the activation process on the OCBC website to retrieve your card details, allowing you to instantly add your card to a mobile wallet or to make payment online. However, your CVV will change once you receive and activate your physical card, so do make sure you update your credentials accordingly.

» MORE: Read our full review of the OCBC FRANK Card

Our pick for: frequent travellers seeking rewards and travel perks

What makes it stand out

The Standard Chartered Journey Card’s digital card option makes it easy to book trips quickly, while earning a good amount of miles on local and overseas spend. With 3 miles per S$1 (mpd) for selected bonus categories, 2 mpd for overseas spend, and 1 mpd for local spend, it stands out as an ideal card to use while travelling. The card also includes complimentary travel insurance coverage and airport lounge access, plus you can redeem your miles for even more travel-related rewards like hotel booking deals and car rental discounts.

How to use it right away

Upon approval you will receive a SMS or email containing the details needed to activate your card immediately. You can complete the activation process on the Standard Chartered website to retrieve your card details, allowing you to use your card for 3-Domain Secure (3DS) online purchases authenticated with a One-Time Password (OTP) or via digital wallets (Apple Pay, Google Pay, Samsung Pay). All other payment types will need to wait for your physical card to arrive. However, once you receive and activate your physical card, you won’t be able to use the digital card anymore and will need to use the updated credentials on the physical card.

» MORE: Read our full review of the Standard Chartered Journey Card

Our pick for: online shopping and lifestyle spending with rewards and discounts

What makes it stand out

The HSBC Revolution Card often offers a digital card option ideal for those who don’t spend as much but still want to rack up those valuable rewards. You can earn up to 10X Reward points on online spending (equivalent to up to 4 mpr or 2.5% cashback for every dollar spent) and 1X Reward points on all other spend. Better yet, you’ll get 10X Reward points when you spend online at HSBC’s fitness and wellness partners—making a healthy lifestyle even more appealing.

How to use it right away

Your full card credentials will be available on the HSBC app once approval is granted. You can then start using your card immediately for online purchases or in a mobile wallet on your electronic device. These online credentials are identical to your physical card so you won’t have to worry about updating them once you activate the physical card.

» MORE: Read our full review of the HSBC Revolution Card

Our pick for: everyday spending with high cashback rates on groceries, utilities, and transport

What makes it stand out

The UOB One Card often offers a digital card option, enabling immediate use after approval and making it convenient for managing household expenses. It provides high cashback rates of up to 20% (with minimum spend) on essential spending categories that are common for Singaporean households such as groceries at supermarkets like NTUC FairPrice and Giant, utilities, and transport, including MRT/bus rides and petrol. It's particularly convenient for paying bills and everyday expenses, offering the potential for significant savings on regular spending.

How to use it right away

You can access your digital card through the UOB TMRW mobile banking app once you receive approval. You can then add the digital card to your mobile wallet for contactless payments, allowing for convenient transactions at supermarkets, utility providers, and public transport. You can also use the digital card for online bill payments and everyday purchases, enabling you to maximise your cashback rewards. The UOB One is also available as an Instant Digital UOB Credit Card—you won’t receive a physical card for this, but you’ll be able to add it to your e-wallets and use it for regular transactions.

» MORE: Read our full review of the UOB One Card

Our pick for: daily spending especially transport commutes and shopping

What makes it stand out

The DBS Live Fresh helps you earn rewards on your daily spend with up to 6% cashback on Shopping and Transport spend (with S$50 and S$20 cashback caps respectively, per calendar month). You’ll also get 0.3% cashback on all other spend that’s totally unlimited, allowing you to potentially earn big for big-ticket purchases in particular.

How to use it right away

Apply via SingPass to get instant approval and access to your DBS Live Fresh card. Once you’ve received approval you can use the virtual card via the Digibank app or add it to Apple Pay for contactless purchases.

» MORE: Read our full review of the DBS Live Fresh Card

For those seeking immediate spending power, many co-branded credit cards offer instant access to your credit line while some also offer virtual card numbers for extra security. This includes a variety of popular options, from store cards to those partnered with businesses across different industries.

• GrabPay Card: Linked to your GrabPay wallet, you can spend your GrabPay balance and earn GrabRewards points on your spending within the Grab ecosystem for extra convenience and rewards.

• YouTrip Card: A multi-currency travel wallet with a linked Mastercard, the YouTrip Card offers competitive exchange rates and no foreign transaction fees. It provides a convenient way to manage your travel expenses, especially for overseas spending.

• Wise Multi-Currency Card: Similar to YouTrip, it's a multi-currency account with a linked card that’s ideal for frequent travellers and international transactions, thanks to low conversion fees and global accessibility.

• Revolut Premium Cards: Revolut’s premium tier multi-currency accounts provide benefits like travel insurance, airport lounge access, and higher transaction limits, catering to frequent travellers.

• Vividcard by Singapura Finance: This card offers cashback rewards on specific spending categories and can be managed through the Vivid Money app, providing a digital-first approach to credit card management.

>> SEE: Best Credit Card Bonuses & Promotions for New Cardholders in Singapore for 2025

>> READ MORE: When can I expect my new credit card?