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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.

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
Receive up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
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 and spend at least S1,500 within 30 days and receive S$300 cash credit. For first 100 new-to-UOB credit cardmembers. T&Cs apply. Valid until 31 Oct 2021.
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.
Receive S$300 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive up to S$300 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 Oct 2021.
POSB Everyday Card
Enjoy up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
Get up to 28% cashback when you apply online and charge a minimum of S$600 within 30 days from card approval date. T&Cs apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get up to 28% cashback with promo code ‘MORECASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$600 within 30 days from card approval date. T&Cs apply. Valid until 31 Jan 2022.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas.
Get up to S$300 cash credit when you apply. T&Cs apply.
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 Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Receive up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive up to S$300 cash credit (for first 100 successful UOB customers applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 Oct 2021.
UOB EVOL Credit Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on online and mobile contactless spend.
S$192.60 annual fee
S$30,000
Apply and spend at least S1,500 within 30 days and receive S$300 cash credit. For first 100 new-to-UOB credit cardmembers. T&Cs apply. Valid until 31 Oct 2021.
UOB Absolute Cashback Card
UOB Absolute Cashback Card
Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.
Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply and spend at least S1,500 within 30 days and receive S$300 cash credit. For first 100 new-to-UOB credit cardmembers. T&Cs apply. Valid until 31 Oct 2021.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Receive up to 3,000 miles and up to S$300 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply and spend at least S1,500 within 30 days and receive S$300 cash credit and up to 3,000 miles. For first 100 new-to-UOB credit cardmembers. T&Cs apply. Valid until 31 Oct 2021.
American Express True Cashback Card
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$120 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 up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June and December.and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2022
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 complimentary one-night stay at Andaz Singapore with breakfast for 2 (worth up to S$440++) if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
Receive up to S$200 cashback. T&Cs apply. Ends 31 Oct 2021.
S$0 annual fee
S$30,000
New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
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 a complimentary 1-night stay at The Fullerton Hotel, Premier Courtyard room (worth up to S$600) with a minimum spend of S$5,000 in your first 3 months of card membership, and an additional S$200 in statement credits upon annual fee payment. Valid until 31 January 2022.
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 a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to S$460++) 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. Valid until 31 January 2022.
HSBC Advance Credit Card
Receive up to S$200 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 up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month.
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.
Citi SMRT Card
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
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. End 30 Nov 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. Ends 31 Oct 2021.
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.
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 31 Dec 2021.
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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.

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