How to Apply for DBS Credit Card

Applying for a DBS Credit Card in Singapore is a simple process, and you can do it online, via the DBS/POSB mobile app, or at a branch. Here’s a step-by-step guide:

1. Check Eligibility

Before applying, ensure you meet the basic requirements:

• Age: At least 21 years old (18–20 years old may apply but with lower credit limits).
• Income Requirement:
  • Singaporeans/PR: Minimum annual income of **S30,000∗∗(S30,000∗∗(S45,000 for premium cards like DBS Altitude, DBS Woman’s World Card).
  • Foreigners: Minimum annual income of **S45,000∗∗(S45,000∗∗(S60,000 for premium cards).
• Employment Status: Salaried employee, self-employed, or freelancer with proof of income.

2. Choose a DBS/POSB Credit Card

DBS offers various cards based on your spending habits:

• Cashback: DBS Live Fresh, DBS Altitude
• Miles: DBS Altitude, DBS Woman’s World Card
• Rewards: DBS Takashimaya Card
• No Annual Fee: POSB Everyday Card

Check the latest promotions (e.g., free luggage, cashback, miles) before applying.

3. Prepare Required Documents

• NRIC (for Singaporeans/PR) or Passport + Employment Pass (for foreigners).
• Income Proof (latest 3 months’ payslips or 12 months’ CPF contributions for self-employed).
• Additional documents (if required, like Notice of Assessment for freelancers).

4. Apply Online (Fastest Method)

• Via DBS Website:
  1. Go to DBS Credit Cards
  2. Select your preferred card and click “Apply Now”.
  3. Fill in personal, employment, and financial details.
  4. Upload supporting documents.
  5. Submit and wait for approval (usually within 5–7 working days).
• Via DBS/POSB Digibank App:
  1. Log in to Digibank Mobile App.
  2. Go to “Apply” → “Credit Cards”.
  3. Select a card and follow the steps.

5. Apply In-Person (Branch)

• Visit any DBS/POSB branch with your documents.
• A staff member will assist with the application.

6. Check Application Status

• Online: Log in to DBS iBanking or check via Digibank App.
• SMS/Email: DBS will notify you upon approval/rejection.

Approval & Card Delivery

• If approved, the card arrives in 7–10 working days.
• Activate it via SMS, DBS iBanking, or Digibank App.

Tips for Higher Approval Chances

✅ Maintain a good credit score.
✅ Ensure your income meets requirements.
✅ Existing DBS/POSB customers may get faster approval.