Continue saving this Cyber Monday 🥳

These sales are still running

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Can I get a credit card without a bank account?

Compare the benefits of choosing a credit card via an existing bank, or selecting a new provider.

Updated . What changed?

Fact checked

While getting a credit card with the same bank as your debit card provider might offer some convenience, there are a number of perks available if you shop around for a new credit card elsewhere.

Use this guide to weigh up your options, and decide whether or not you should apply for a credit card with your current bank or a different provider.

So, can I apply for a credit card without a bank account?

Yes, it’s entirely possible to get a credit card from a bank without having a transaction account that is linked to the same lender. You can compare current credit card promotions below.

How do I pay off my credit card without a bank account?

As with any credit card, you’ll typically have the following options for how to pay back the bank:

  • AXS stations
  • Bank branches
  • Cheques

The way that you manage your monthly billing cycle may vary from lender to lender, so sure you read the terms and conditions in full before applying for a card.

Getting a credit card with a bank account vs no bank account

When you’re in the market to get a credit card, there are benefits to choosing a credit card with an existing bank account or opting for a new card issuer. If you’re having trouble deciding, use the comparison below to determine which strategy could meet your needs.

Getting a credit card with a bank account

  • Loyalty bonuses. If you have banked with the same institution for a while, there are some benefits to staying loyal that you simply won’t have access to without an account. For example, a favourable interest rate on a savings account. Also, you’ll be better placed to know what to expect from the customer service team and, hopefully, there will be some branches nearby.
  • Fast and easy payments. Having a bank account means you’ll have more options when it comes to settling your monthly credit card bill. You can pay a card issuer through online banking via your existing bank. Also, another big plus is that you can set up a GIRO from your existing transaction or savings account. This means you can choose to automatically deduct either the minimum amount or the full amount from your credit card debt each month. As long as you have enough money in your bank account, you should never miss a payment date again.
  • Simple application process. The fact that your bank already has your details could also mean that you won’t need to submit details such as your full name, contact details and residential address when you’re filling out your application.

Getting a credit card without a bank account

  • Promotional offers. If you’re looking for a new credit card, applying for a card with a sign-up promotional offer as a new customer could help sweeten the deal. For example, some credit cards offer 0% on purchases for a set period, exclusive gifts and bonus points with a rewards program. These offers are usually only available for new applicants and may not be available if you already bank with the provider. If you do want to take advantage of a promotional offer like this, comparing credit cards with a different bank could provide you with more options.
  • Getting a better deal. While sticking with the same bank might offer convenience, you could be missing out on more competitive deals if you fail to compare your options beyond your regular provider. If you’re unsure where to start, using the comparison tables on finder Singapore is a simple way to compare your options side-by-side. Pay attention to the annual fees, interest rates and features such as rewards, complimentary insurances and more to see how the cards with your usual provider compare to the other options on the market. Find out how you could get benefits while taking advantage of a card with no annual fee.

If I have a transaction account elsewhere, can credit card companies check my bank account?

No, a card issuer won’t be able to access an existing bank account that you hold with another lender. However, keep in mind that the provider of any new card you apply for will be able to get a clear picture of how responsible you have been with managing credit in the past. They’ll do this by running a thorough credit check and during this process they will see your credit score. Your score is a major factor in determining whether or not you’re accepted for a new card. It’s based on a range of factors including your payment history and the length of your credit history, among others. Read about how you can take action to improve your credit score.

When you apply for a credit card, the lender also assesses your approval based on your income. So, if you’re applying for a credit card with the same bank, they can easily see your debit card history and also assess your approval based on your ability to save and your spending behaviour. If you’re good at saving, spend responsibly and don’t overdraw your account, this could work in your favour.

Compare credit cards with an introductory offer

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
UOB One Credit Card
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 200 eligible applicants only.
Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply. Ends 31 Dec 2020.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 200 new customers only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
UOB PRVI Miles World Mastercard
Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping.
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 200 eligible applicants only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits if minimum spend requirements are met.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 200 eligible applicants only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB Yolo Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get S$150 in bonus cash credits. T&Cs apply.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 200 new customers only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New cardholders can receive 7,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days of card approval. Ends 31 Dec 2020. An additional 3,000 KrisFlyer miles for new cardholders upon spending a minimum of S$5. Existing UOB cardmembers get 3,000 KrisFlyer miles after the first transaction of S$5 minimum. T&Cs apply.
American Express True Cashback Card
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Dec 2020.
American Express Singapore Airlines KrisFlyer Credit Card
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional Acer Monitor KA242Y (valued at S$349) if you are new to American Express.
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
Choose between a S$150 cashback or Samsonite suitcase if minimum spend requirements are met. T&Cs apply. Ends 31 Dec 2020.
S$0 annual fee
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Dec 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$80,000
Get S$150 Lazada Vouchers and a free 24" Samsung Monitor, plus a j5create JVCU100 USB Webcam when you spend S$5,000 in the first three months. T&Cs apply. Ends 30 November 2020
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
N/A
S$337.05 annual fee
S$50,000
Get free Bang & Olufsen Beoplay E8 2.0 earphones valued at S$399 when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 Nov 2020
HSBC Advance Credit Card
Choose between a sign-up gift of a Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback when minimum spend requirements are met.
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period while existing cardholders will get S$30 cashback. Receive an additional S$30 worth of Lazada vouchers when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Dec 2020.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, and 8% cashback on dining and groceries.
8% cash back on dining, groceries and petrol transactions. 0.25% cashback on other retail purchases.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 31 December 2020
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
Up to 26% cashback at selected merchants
S$192.60 annual fee
S$30,000
Get 45,000 miles when you spend S$9,000 in the first 3 months. Annual fee applies. 31 January 2021.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 November 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Receive a referral bonus of S$20 CapitaVouchers (awarded in 20,000 STAR$®) for you and your friend when you successfully refer a friend.
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Receive Sennheiser CX350BT Wireless In -Ear Headphones (worth S$149) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 November 2020.
loading

Compare up to 4 providers

As you can see, there are a few options to consider when deciding if you should stay with your current bank or look for a credit card without a bank account. Whether or not you’re content to remain with your existing issuer, you should still compare your other options to make sure you’re making the right credit card decision.

More guides on Finder

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site