Instant approval credit cards

Compare credit cards that offer approval in 60 seconds or less when you apply online.

Last updated:

When you apply for a credit card online, you’ll often get a response within 60 seconds of submitting the application. If you’re successful, this the closest you can get to an “instant approval” credit card in Singapore.

But if you want to get instant approval when you apply for a credit card, you still need to meet the card’s eligibility requirements and complete the application form. Use this guide for everything you need to know to increase your chances of success when applying for an instant approval credit card.

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

Receive up to 40,000 KrisFlyer miles welcome bonus

Offer ends 30 April 2020

Eligibility criteria, terms and conditions, fees and charges apply

American Express Singapore Airlines KrisFlyer Credit Card

Apply today and earn miles for every S$1 spent on eligible purchases with your credit card, including a 1 year fee waiver.

  • Principal Annual Fee: S$0 annual fee for 1 year - S$176.55 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$60,000
Promoted

What you’ll find in this guide

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.

Compare instant approval credit cards

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits and 3,000 KrisFlyer miles.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on one category with no min. spend required. Choose from Beauty& Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.
Up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
UOB Delight Credit Card
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian
10% off over 4,000 house brands at Cold Storage, Giant and Guardian
Up to 3% rebate on contactless transactions and recurring bills
0.3% rebate on all other spend
Up to 10% SMART$ rebate at over 300 participating outlets islandwide
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian
Up to 3% rebate on contactless transactions and recurring bills
0.3% rebate on all other spend
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$53.50 subsequent card - S$85.60 thereafter
S$30,000
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending.
Up to 10% on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 10% cashback on Grab and UOB Travel transactions, including up to 24% off fuel at SPC and up to 20.8% off at Shell.
UOB Yolo Card
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Up to 8% cashback on Dining, Grab and Online spend
3% cashback on Online Fashion & Travel spend
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Standard Chartered Unlimited Cashback Credit Card
1.5% cashback on all spend with no cap and no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
American Express True Cashback Card
1.5% cashback on all purchases with no minimum spend and no cap
3% cashback for first 6 months up to S$5,000 minimum spend


1.5% cashback on any purchase, anytime
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 till 30 June 2020.
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
None
S$321 annual fee
S$50,000
Get a free Samsonite luggage (worth S$600) and 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 March 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every S$1 spent, get up to 1.2 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.2 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
None
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 April 2020.
HSBC Advance Credit Card
Up to 3.5% cashback on all purchases with no minimum spend
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 15 April 2020.
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citi Cash Back Card
Earn up to 8% cash back on dining, groceries and petrol worldwide.
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for 1 year - 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. Ends 31 January 2021.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee; up to 3% savings on online shopping.
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on your shopping spend (local and overseas) and online purchases (except mobile wallet and travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
Up to 20% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 March 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
Citi Prestige Card
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points (1.3 miles) per S$1 local spend.
Up to 20% cash back at selected merchants.
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. Ends 31 March 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, 1X STAR$ on all other purchases and additional 10X STAR$ at participating outlets in CapitaLand Malls.
Earn 15 STAR$ for every S$1 spent at participating CapitaLand malls.
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
Standard Chartered Spree Credit Card
Up to S$60 cashback monthly with no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.



S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank eVibes Card - The Student Card
Earn 1% cash rebate on all spend
1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Maybank Platinum Visa Card
Up to 3.33% cash rebates on local spend
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum spend
S$0 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Family & Friends Card
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
Up to 8% cashback with minimum spend of S$800 per month.
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Manchester United Platinum Visa Card
Receive a 10% discount at United Direct Online Megastore and 5 TREATS Points for every dollar spent when Manchester United wins a Premier League match.
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank DUO Platinum Mastercard
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
5% cash rebate on petrol transactions
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank FC Barcelona Visa Signature Card
1.6% unlimited cash rebate on all local spend
1.6% cash rebate on all spend
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Visa Infinite Card
Earn up to 5X TREATS Points (2 air miles) on all spend
Redeem TREATS points with cash credits
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2020.
Maybank Horizon Visa Signature Card
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank World Mastercard
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants.
Get S$50 cash credit with minimum spend of S$700 upon card approval
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.

Compare up to 4 providers

How to apply for an instant approval credit card in 4 steps

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.

Read more on this topic

Go to site