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How to check your credit card application status

If you have applied for a credit card and haven't received a response, here's what you can do to speed up the process.

Have you applied for a credit card but not heard back from the card issuer? Or maybe you’d like to change your application details?

Use this card to learn how to check your application status with major credit card companies in Singapore. Plus, get the key details on how the applications work so you know what to expect when you apply for a new card.

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Receive up to S$200 cashback.

Offer ends 31 Oct 2021

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
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How can I check my credit card application status?

If you haven’t got a response for your credit card application, contact your card issuer by calling their credit card customer service phone number. Visit the lender’s official website and head to the credit card section to find the relevant contact details. Alternatively, get in touch via online banking. It’s a good idea to have any supporting documents to hand, such as the application reference number and personal details including your mobile number, address and date of birth.

BankContact informationAvailability
american express logo1800 299 199724 hours, 7 days a week
citi logo(65) 6225 522524 hours, 7 days a week
HSBCIn Singapore: 1800 4722 669
From overseas: (65) 6472 2669
24 hours, 7 days a week
MaybankIn Singapore: 1800 629 2265
From overseas: (65) 6533 5229
24 hours, 7 days a week
Standard CharteredIn Singapore: 1800 747 7000
From overseas: (65) 6747 7000
24 hours, 7 days a week
Bank of China logoIn Singapore: 1800 338 5335
From overseas: (65) 6338 5335
24 hours, 7 days a week
dbs logoIn Singapore: 1800 111 1111
From overseas: (65) 6327 2265
24 hours, 7 days a week
OCBCIn Singapore: 1800 363 3333
From overseas: (65) 6363 3333
24 hours, 7 days a week
POSBIn Singapore: 1800 339 6963
From overseas: (65)6339 6963
24 hours, 7 days a week
UOBIn Singapore: 1800 222 2121
From overseas: (65) 6222 2121
24 hours, 7 days a week

How long will it take for my application to be approved?

If you’ve applied for a credit card online, it’s possible to be notified instantly – whether or not you’ve been approved. While many credit card issuers offer conditional approval within 2-4 business days, some take between one and two weeks to review a new card application. If you’re an existing member of the bank, the process may be quicker as they already have some of your verified information. Let’s take a closer look.

What responses could I get when I apply for a credit card?

ccf-applications-250x250

greenlight (1)Instant approval

With instant online applications, credit card issuers can provide a response on your card application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you can look forward to instant approval.

amber-traffic-light-md (2)Referral

If your credit card application is under referral, the card provider requires more time to carry out further assessments before giving you a conclusive answer.

amber-traffic-light-md (2)

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office or via fax. Complete approval only takes effect after that’s done and you’ve signed the contract.

redlight (2)Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, request a copy of your credit report to make sure everything’s in order or start comparing other cards to apply for in a few months, making sure you’re paying attention to the eligibility requirements.

Why is my credit card application taking so long?

If you expected to hear back about your application before now, here are some of the most common reasons your credit card application could be delayed:

  • Not enough information. If you haven’t given enough details on your application, or if the information is wrong or inconsistent, the provider may need to contact you to get the right information. This adds an extra step to the application process that can cause delays.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application.
  • High demand. Sometimes a credit card provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a very competitive introductory offer available.
  • Incomplete applications. If you have missed a step in the application process, such as submitting additional documents and information, then this will hold up the application until you have provided all the information that the bank requires.

You can usually sort out credit card application delays by calling the credit card provider to find out what’s going on. Also monitor your calls, inbox and mailbox in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

What mistakes should I avoid when I’m waiting to hear about a credit card application?

Here are some things you should avoid while waiting to hear back about the status of your credit card application:

  • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your credit score to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate investigation and correction.
  • Customer service delays. It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when you’re contacting the customer service phone line. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunchtime or after 5 pm when they’re likely to be inundated with calls.

Bottom line

Most credit card providers aim to give you an instant response when you apply online, but it’s not always possible to get an answer straight away. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.

Frequently asked questions about credit card applications

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Compare credit cards for October 2021

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
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.
POSB Everyday Card
Enjoy up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
Get S$300 cashback with promo code ‘OCTFLASH' when you apply online and charge a minimum of S$300 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 S$300 cashback with promo code ‘OCTFLASH' when you apply online and charge a minimum of S$300 within 30 days from card approval date. T&Cs apply. Valid until 18 Oct 2021.
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.
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.
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$300 cash credit. For first 100 new-to-UOB credit cardmembers. T&Cs apply. Valid until 31 Oct 2021.
UOB Lady's Card
Earn 10X UNI$ (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
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.
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.
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.
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.
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.
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 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.
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.
Citi Cash Back+ Card
Get up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive 4.5% cash back on up to S$5,000 spend (up to S$225 cash back) in the first 3 months. T&Cs apply. Valid until 30 Nov 2021.
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