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Instant approval credit cards

Compare credit cards that offer fast approval when you apply online.

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

Receive up to S$300 (first 100 successful 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.

Offer ends 30 Sep 2021

Eligibility criteria, terms and conditions, fees and charges apply

UOB PRVI Miles American Express Card

  • Principal Annual Fee: S$0 annual fee for 1 year - S$256.80 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 26.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$80,000
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Compare credit cards

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
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.
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.
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 30 Sep 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
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. T&C apply. Ends 30 Sep 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 30 Sep 2021.
American Express True Cashback Card
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$100 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.
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 S$200 statement credits if you are new to American Express. T&Cs apply.
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.
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$5,000 in your first 3 months of card membership, and an additional 25,000 Membership Rewards points upon annual fee payment. Valid until 30 Sep 2021.
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Receive up to 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$192.60 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 30 Sep 2021.
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When you apply for a credit card online you’ll often get a quick response. Some card providers can even give you card approval within minutes if you already have an existing bank account with them. If you’re successful, this the closest you can get to an “instant approval” credit card in Singapore.

Use this guide to find out what you need to know to increase your chances of success when applying for an instant approval credit card.

How do instant approval credit cards work?

Credit cards that offer “instant” approval are designed to give you a response as quickly as possible when you apply online. With this type of application, the credit card issuer will have a system in place to assess key details from your application and credit report within a few seconds. The result is that you get a response almost instantly.

After that, a provider may ask for additional documentation such as payslips and bank statements to proceed with the application. Just keep in mind that, once the final outcome is decided, you may need to wait up to 10 business days (this varies from provider to provider) to get your card in the mail. There may be circumstances when you can use your card sooner. For example, if you were to take out a digital credit card which can be used immediately after activation.

How to apply for instant credit card approval in Singapore

An instant approval credit card offers you a simple way to apply online and receive your credit card as soon as possible. To improve your chances of instant approval, though, there are a few steps you’ll need to take to make sure you’ve completed your application properly.

Step 1. Compare your options

It’s important to compare your options before applying. Rather than basing your decision on the fact that you could potentially receive approval within one day, make sure to consider the different credit card rates and fees that may apply, including the purchase rate, cash advance rate, annual fee and any promotional rates of interest. You should also weigh up other features that may add value to the account, such as rewards and complimentary extras. Make sure that you can afford the card it offers the extra features that you need to manage your credit.

Step 2. Check the eligibility requirements

You won’t receive approval at all if you don’t meet the eligibility requirements. Some of the criteria you’ll be expected to meet include:

  • Age. You have to be at least 21 years of age to apply for a credit card in Singapore.
  • Good credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults. Other details, such as late payments or other recent applications for credit, could also have a negative impact on your credit score.
  • Residency status. Depending on the card, you might only be able to apply if you’re a Singaporean or Permanent Resident. Some banks do offer cards for foreigners, so you can use our guide to compare your options.
  • Income. You may need to meet a minimum income requirement to receive approval for the card.

Step 3. Collect the necessary documents and information

When you apply for a credit card online, you’ll be required to provide a number of documents and personal information before you can receive instant approval. Usually, this includes:

  • Proof of identity. You’ll be asked to provide proof of your identity such as your driver’s licence, birth certificate or NRIC/Fin card.
  • Personal details. You’ll need to provide your full name, residential address and contact details.
  • Employment and income. You’ll need to provide proof of employment and income, including the details of your employer and recent pay slips. If you’re self-employed you’ll need to provide your accountant’s details and if you’re retired, you’ll need to provide evidence of your funds and assets.

To ensure a smooth and quick application process, make sure you have these details on hand before you begin your application.

Step 4. Apply online

Once you’ve compared your credit card options, confirmed you meet the eligibility criteria and organised the necessary documents, you can begin your secure online application. This should only take around 10 to 15 minutes if you have all of the relevant details handy. Once you’ve submitted your application, you may be contacted by the bank for further details.

Can I get an instant approval credit card with bad credit?

You’ll only receive instant approval for a credit card if you meet the eligibility requirements and provide all of the relevant documents. If you have a bad credit score or are unable to meet the eligibility requirements, your application may be declined or result in “conditional approval” – a term which usually means you’ll need to provide further details before you can get your credit card fully approved.

If you already have bad credit, then it will be more difficult to get approved for a credit card straight away. What’s more, every application you make will be listed on your credit file and could add to your bad credit rating. So if you’re worried about your credit score, you can work on improving your credit score or consider an alternative form of credit.

Why was my credit card application denied?

Instant approval credit cards can help you get your credit card sooner. As instant approval credit cards still require you to meet the relevant eligibility requirements, it’s important to compare your options and prepare your application before submitting it to improve your chances of approval.

Pictures: Shutterstock.

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