Instant approval credit cards are enticing if you have big-ticket purchases on the horizon and you want to rack up cashback, miles, or rewards points in time.
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, including instant digital 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!
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OCBC
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:
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Credit card
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Key benefits
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OCBC 365 Card |
5% cashback on dining worldwide and online food delivery
6% cashback on all petrol
3% cashback on groceries worldwide, ride-hailing, public transport, utilities, electric vehicle charging, pharmacies, and streaming subscriptions
Min. S$800 / S$1,600 spend per month, capped at S$80 / S$160 cashback
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OCBC Titanium Rewards Card  |
50 OCBC$ per S$5 / 4 mpd on eligible online and retail transactions
Capped at 10,000 OCBC$ per calendar month
Additional 2% cash rebate at BEST Denki
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OCBC FRANK Card |
8% cashback on foreign currency, online, and contactless spend
Extra 2% cashback on selected sustainable spend
Min. S$800 spend per month, capped at S$100 cashback
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SingSaver Exclusive Offer: Receive the following rewards when you apply for an OCBC Credit Card:
Get S$400 Cash, S$440 Grab Voucher, 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait (worth S$799), or Dyson V8 Cyclone cordless vacuum (worth S$559) when you apply and spend minimum S$400 in qualifying transactions within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$80. Valid till 30 September 2026. T&Cs apply.
- S$80 for a Dyson Airwrap™ (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad A16 11-inch (worth S$649); or
- S$300 for Apple AirPods Max 2 (worth S$749); or
- S$570 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$720 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
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:
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Credit card
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Key benefits
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SCB Simply Cash Card |
1.5% cashback on all spend
No min. spend
No cap on cashback
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SCB Rewards+ Card
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Up to 10X Rewards Points on foreign currency spend on overseas retail, dining, and travel transactions
Up to 5X Rewards Points on local dining transactions in SGD
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SCB Journey Card |
1.2 mpd on local spend
2 mpd on foreign spend
3 mpd on online local transactions for transport, grocery, and food delivery merchants (capped at S$1,000 spend per month)
2 complimentary Priority Pass airport lounge visits per year
Up to S$1 million complimentary travel insurance coverage
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SCB Visa Infinite Card
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1.4 mpd on local spend
3 mpd on foreign spend
Min. S$2,000 spend per month; otherwise 2.5 mpd only
6 complimentary Priority Pass airport lounge visits per year
Up to S$1 million complimentary travel insurance coverage
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SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered credit card. Eligible for new Standard Chartered cardholders only.
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Standard Chartered Simply Cash Credit Card: Receive S$350 Cash, S$370 Grab Voucher, or Dyson Cool™ AM07 Tower Fan (worth S$499) . Simply activate your SCB Simply Cash Credit Card, spend a min. of S$800 within 30 days of card approval and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Cyclone 8 Vacuum (worth S$559); or
- S$100 for a Dyson Airstrait (worth S$799); or
- S$200 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$300 for an Apple iPad A16 11-inch (worth S$649); or
- S$620 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$780 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
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Standard Chartered Journey Credit Card: Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
HSBC
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:
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Credit card
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Key benefits
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HSBC Revolution Card |
10X Rewards Points / 4 mpd on eligible online and contactless spend
Capped at S$1,000 spend / 9,000 bonus points per month
No annual fee
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HSBC Advance Card
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1.5% cashback on all eligible spend, with no min. spend
2.5% cashback on all eligible spend, with min. S$2,000 spend
Extra 1% HSBC Everyday+ Rewards cashback
Up to S$500,000 complimentary travel insurance coverage
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HSBC TravelOne Credit Card |
1.2 mpd on local spend 2.4 mpd on foreign spend 4 complimentary airport lounge visits per year Up to US$100,000 complimentary travel insurance coverage |
HSBC Visa Platinum Card
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5% cash rebate on dining, groceries, and fuel
1 Reward Point per S$1 spend on all other shopping
Extra 1% HSBC Everyday+ Cashback
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HSBC Visa Infinite Credit Card |
2.25 mpd on all eligible spend
Unlimited airport lounge visits per year, including other travel privileges (e.g. limo transfer, expedited immigration clearance)
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SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Credit Card:
Get S$450 Upsized Cash, Dyson Airstrait (worth S$799), Dyson V8 Cyclone cordless vacuum (worth S$559), 28,000 Max Miles by HeyMax (worth S$504), or an ECOVACS DEEBOT MINI 2 (worth S$499) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$50. Valid till 30 September 2026. T&Cs apply.
- S$50 for a Dyson Airwrap™ (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$150 for an Apple iPad A16 11-inch (worth S$649); or
- S$280 for Apple AirPods Max 2 (worth S$749); or
- S$540 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$680 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
UOB
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.
These are the UOB credit cards that qualify for instant approval:
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Credit card
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Key benefits
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UOB One Card |
Up to 15% cashback (for new-to-UOB cardmembers) / 10% cashback (for existing UOB customers):
3.33% base cashback on all eligible spend
Min. S$500 / S$1,000 / S$2,000 spend across min. 5 transactions per month per quarter
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UOB EVOL Card
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8% cashback on online and mobile contactless transactions
Min. S$600 spend per month, capped at S$60 cashback
No annual fee with 3 monthly purchases for 12 months
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UOB Lady's Card / Lady's Solitaire Card 
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10X UNI$ per S$5 spend (4 mpd) on one / two preferred category(ies) from these categories:
Bonus points capped at S$1,000 / S$2,000 spend per month respectively |
UOV PRVI Miles Card
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1.4 mpd on local spend 2.4 mpd on foreign spend 6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel
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KrisFlyer UOB Card
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3 mpd on everyday spend like dining, online food delivery, online shopping, online travel, and transport 3 mpd on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 1.2 mpd on all other spend Min. S$800 spend per year on Singapore Airlines-related spend to qualify Up to S$500,000 complimentary travel insurance coverage |
UOB Absolute Cashback Card
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1.7% unlimited cashback on all spend No min. spend No cap on cashback |
UOB Preferred Platinum Visa Card
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10X UNI$ per S$5 spend / 4 mpd on online shopping, mobile contactless, and entertainment spend Capped at UNI$2,000 spend on selected online and mobile contactless transactions per month |
UOB Visa Signature Card
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10X UNI$ per S$5 spend / 4 mpd on overseas spend (including online) and petrol & contactless payments Min. S$1,000 overseas spend and S$1,000 local spend per month Capped at S$2,000 spend per month |
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
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!
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