How Soon Can I Get My New Credit Card?

Applying for a credit card in Singapore is typically a smooth and swift process — especially with online applications and digital verification tools like MyInfo. Still, timelines can vary based on the bank, your income documents, the type of card, and even how you apply. 

Whether you’re waiting on your first card or wondering about a replacement before a big trip, this guide breaks down everything you need to know — from approval to delivery — and shares tips to help you get your card quicker.

Most credit card applications in Singapore are processed within minutes to a few business days, especially if you apply using MyInfo. That said, delivery times can vary depending on the bank and the type of card. Here's a general guide to how long it takes across major local banks:

*Keep in mind that these are only estimates. It may take longer or shorter depending on factors such as the bank, your credit situation, and regulatory considerations.

To shorten the wait, apply online using MyInfo via SingPass. This allows banks to instantly access your verified income and identity details — skipping the need to manually upload documents.

Stick to digital channels when applying. Walk-in applications at branches typically take longer and may require more back-and-forth.

If you're eyeing a premium card like the Citi PremierMiles or HSBC Visa Infinite, note that approvals may take longer as banks often review these applications manually, especially for income verification or additional checks.

Once your card arrives, activate it via your bank’s app or customer service hotline. Don’t stop there — take a few extra steps to stay on top of your finances:

• Set payment reminders or enable alerts for due dates

• Link your card to GIRO or PayNow for automated bill payments

• Set spending limits, especially if you’re issuing supplementary cards

• If you signed up during a promotion, double-check the terms to ensure you meet the minimum spend within the required time frame to secure your welcome gift.

» Explore what to do with your first credit card

If your card is lost, stolen or damaged, most Singapore banks will issue a replacement within 3 to 7 working days. However, if you’re travelling or need your card urgently, some banks offer expedited or emergency replacement services — though these may come with extra charges.

Before heading overseas, check whether your bank offers digital or same-day card replacement options in case of emergencies.

For most Singaporeans using MyInfo, approval can happen almost instantly — sometimes within minutes. But for expats, freelancers, or those applying manually, approval may take between 3 and 5 business days.

Banks will typically review your credit score, income documents, employment type, and residential status before making a decision.

The approval process is fairly straightforward:

1. Submit application (ideally via MyInfo)

2. Bank retrieves or verifies your documents

3. Credit Bureau checks your credit grade (A to H scale)

4. Bank decides on approval and issues card

Most standard credit cards require a minimum annual income of S$30,000, while premium cards can require S$120,000 or more.

» For a more detailed explanation, visit our credit card application guide

Common reasons for rejections include low income, an insufficient credit history, or a poor credit score. If you’re unsure why you were denied, you can request your Credit Bureau Singapore (CBS) report to find out more. You get one free report after a rejection.

Take steps to improve your credit standing — like repaying outstanding debts on time or reducing credit utilisation — before reapplying. 

» Learn why your credit card application might have been rejected

Yes — some banks now issue instant virtual cards that can be used for online shopping or added to digital wallets like Apple Pay or Google Pay.

OCBC and UOB, for example, offer virtual cards once you’re approved. Keep in mind these are generally not usable at physical terminals without a mobile wallet and won’t allow ATM cash withdrawals.

They do. Entry-level cashback cards and student cards are often approved quickly. These typically involve straightforward criteria and fewer checks.

On the other hand, premium, travel, or rewards-heavy cards may take longer due to additional document verification or income validation — especially if your stated income doesn’t match your credit history.

While online forums may offer anecdotal timelines, your experience may differ. It’s best to follow up directly with the bank if there’s a delay.