After taking time to compare credit card offers and apply for one that suits your needs, it’s exciting to find out your application is approved. Here, we explain when you can expect to receive your card and what happens after your application gets approved. Let’s take a closer look.
HSBC Revolution Credit Card
Receive up to S$200 cashback.
Eligibility criteria, terms and conditions, fees and charges apply.
HSBC Revolution Credit Card
- Principal Annual Fee: S$0 annual fee for entire membership - S$0 thereafter.
- Cashback Rate: 0%
- Annual Interest Rate: 25.9%
- Minimum Income (Singaporean & PR): S$30,000
- Minimum Income (Non-Singaporean): S$40,000
Compare the approximate application length and standard waiting period for new credit cards by provider to find out how long you may have to wait to get your next credit card.
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|Provider||Application length||Waiting period|
|American Express||10 minutes||5-10 working days|
|Citibank||15 minutes||7-10 working days|
|HSBC||10 minutes||7 working days|
After you submit your credit card application, the credit card issuer will assess your credit history and current finances in order to determine whether or not you are eligible for the card. They also use this process to determine how much credit they will offer you (in the form of your credit limit).
Providing you meet all the key application criteria, you could get conditional approval for the card within 60 seconds of submitting an online application. If not, you may get a follow-up call or email from the credit card issuer asking for further information.
Providing supporting documentation
When you receive conditional approval for a credit card, the issuer may also ask you to submit supporting documents to complete the application process. The sooner you provide this information, the faster you’ll get your card. The documents you’ll need may vary between providers, but generally include some or all of the following:
- A copy of your driver’s licence
- A copy of your passport/NRIC or FIN Card
- Recent payslips
- Recent bank statements
- Your most recent Tax Assessment Notice
- Your employment contract
- A letter from your employer or accountant verifying your employment and/or financial details.
The credit card issuer will let you know what documents you need to submit for your individual application. Usually, you can submit them through a secure online service, via email or by post or fax. You may also be able to provide your supporting details by visiting a nearby branch. After the issuer receives these documents, your application approval will be finalised and they can issue your new credit card.
After completing the whole application process, your credit card will usually come in the mail within the timeframe outlined by your provider. In some circumstances, you may also be asked to go to your nearest branch to pick it up for security reasons.
Your new credit card issuer will also put together a “welcome pack” for you containing valuable information about the bank, the credit card and its terms and conditions of use. The welcome pack will either arrive before the card or come with it. Make sure you read through the provided information thoroughly before you start using your new credit card.
How do I activate my credit card?
Depending on the issuer, you may be able to activate your new credit card online, over the phone or in person. Information about card activation will also be included in your welcome pack and usually takes just a few minutes to complete.
Remember to sign your card
The signature panel on your new credit card gives you the legal authority to use it and protects you against unauthorised transactions if it’s lost, stolen or compromised. So make sure you sign it when you first activate the card.
While it is exciting to be approved for a new credit card, there are a few more steps you need to know about before you can start using it. Being prepared for this process means you can tick all the boxes along the way and start using your credit card as soon as possible.
If I apply online for my credit card can I go back later to finish it?
Yes, most banks do have a feature that allows you to save an application and complete it at a later date. Just check first to see how long they will store your application and make a note of any reference number you may need to provide when you want to complete the application.
What is my credit card application number? Where can I find it?
Credit card issuers usually assign you an application number when you apply for a credit card online, and will be shown on the application page. It may also be emailed to you once you have submitted your details. This number can be used to complete the application later, check your application status or upload supporting documentation.
What kind of information will I need to provide on the application?
As with any loan-based product, you will need to give details about your income and expenses along with your personal information.
If I ordered an additional card will that need to be activated too?
Yes, all cards issued will need to be activated before they can be used. This is done to verify that they were delivered to the correct person.
Can I pick up my new credit card at the branch?
This will depend on the bank you are getting the card through. Some prefer to mail it as a way of confirming your physical address.
It’s been more than 10 business days and my card hasn’t arrived. What should I do?
If you haven’t received your card in the specified time frame, call the issuer and let them know. They will be able to review your account details and provide you with information on the status of the card and when you should receive it.
I only make purchases online with my credit card, do I still have to sign it?
Yes, an unsigned credit card is not considered valid. Plus, you want to be protected in the event of a theft.