Best Instant Approval Credit Cards That Also offer Digital Cards
updated: Feb 04, 2025
Instant approval credit cards are enticing if you have big-ticket purchases on the horizon and you want to rack up cashback, miles, or rewards points in time.
written_by SingSaver Team
While not every credit card in Singapore is available to applicants right away, there’s a fair number of instant approval credit cards for you to choose from across the various banks in Singapore. These banks understand how frustrating it can be for potential customers to wait; hence, the process for obtaining such credit cards has been made seamless, quick and secure altogether with MyInfo.
To make your life a tad easier, we’ve rounded up the instant approval credit cards, including instant virtual credit cards, from the various banks below for your easy reference. As a bonus, the majority of these credit cards are accessible, requiring only a minimum annual income of S$30,000!
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OCBC
Exclusive to Singaporeans and Singapore PRs with SingPass credentials, OCBC offers instant approval for the majority of the credit cards in their lineup. Log in to MyInfo using SingPass to get instant approval for your credit card and enjoy OCBC deals.rd.
These are the OCBC credit cards that qualify for instant approval:
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Credit card |
Key benefits |
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5% cashback on dining worldwide and online food delivery 6% cashback on all petrol 3% cashback on groceries worldwide, ride-hailing, public transport, utilities, electric vehicle charging, pharmacies, and streaming subscriptions Min. S$800 / S$1,600 spend per month, capped at S$80 / S$160 cashback
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50 OCBC$ per S$5 / 4 mpd on eligible online and retail transactions |
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8% cashback on foreign currency, online, and contactless spend |
SingSaver x OCBC 365 Credit Card Exclusive Promo
Get Apple AirPods 4, S$170 Lazada Voucher, S$125 Cash, or a Stryv Colour+ when you apply for an OCBC 365 Credit Card via SingSaver and make at least one (1) transaction of any amount within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 2 March 2025. T&Cs apply.
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Standard Chartered Bank
Standard Chartered offers instant virtual cards for Singaporeans and Singapore PRs who apply for certain credit cards with the bank using MyInfo. Upon approval and activation, the virtual credit card can only be used for:
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3-Domain Secure (3DS) online purchases which are authenticated by OTP (One-Time Password)
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Payments through Apple Pay, Google PayTM and Samsung Pay
You have up to 15 calendar days from the date your credit card was approved to activate your virtual credit card.
What about the traditional physical credit cards we’re all familiar with? Fret not, you will still receive your physical credit card within five to seven working days. However, bear in mind the virtual credit card will no longer be usable once you have activated the physical card!
You can apply for instant digital cards with the following Standard Chartered credit cards:
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Credit card |
Key benefits |
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1.5% cashback on all spend No min. spend No cap on cashback
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Up to 10X Rewards Points on foreign currency spend on overseas retail, dining, and travel transactions |
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1.2 mpd on local spend |
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1.4 mpd on local spend |
SingSaver x Standard Chartered Bank Exclusive Offer
Choose products from Dyson, Apple, Hinomi, Xiaomi, Samsonite, or up to 57K Miles or up to S$400 Cash when you apply for an SCB Credit Card via SingSaver and fulfil promo criteria. Valid till 2 March 2025. T&Cs apply.
HSBC
HSBC offers instant approval for new-to-bank Singaporeans and Singapore PRs who apply for select HSBC credit cards via MyInfo using the HSBC Singapore app. The salaried Singaporean or PR applicant must be residing in Singapore.
To start, download the HSBC Singapore app from your app store. Click ‘Start my application’, and choose the credit card you are interested in. Apply with MyInfo and receive a decision status from the bank. Thereafter, you may register for online banking.
These are the HSBC credit cards that qualify for instant approval:
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Credit card |
Key benefits |
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10X Rewards Points / 4 mpd on eligible online and contactless spend |
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1.5% cashback on all eligible spend, with no min. spend |
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1.2 mpd on local spend |
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5% cash rebate on dining, groceries, and fuel |
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HSBC Visa Infinite Credit Card |
2.25 mpd on all eligible spend |
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Additionally, stand to win free trips to London, Tokyo or Bali, Samsonite Luggage, S$200 GrabGifts vouchers, cashback and other exciting prizes with HSBC's Sure-Win Spin. Simply transact with HSBC to start earning spins that guarantee a prize. T&Cs apply.
UOB
UOB offers instant approval for new-to-bank Singaporean or Singapore PR applicants who use MyInfo to complete their applications for UOB credit cards between 7:00am and 8:00pm.
Successful applicants have to first pass all screening steps and income checks to be eligible for instant account opening. You should receive an SMS notification along with a notification email or letter regarding your credit card application status, and no additional steps will be required after credit card approval.
Existing-to-bank applicants who apply via internet banking can also enjoy instant approval for their credit card applications with UOB. Existing UOB customers can expect to receive an SMS notification detailing their credit card application status within minutes of submission.
These are the UOB credit cards that qualify for instant approval:
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Credit card |
Key benefits |
| UOB One Card |
Up to 15% cashback (for new-to-UOB cardmembers) / 10% cashback (for existing UOB customers):
3.33% base cashback on all eligible spend Min. S$500 / S$1,000 / S$2,000 spend across min. 5 transactions per month per quarter |
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8% cashback on online and mobile contactless transactions Min. S$600 spend per month, capped at S$60 cashback No annual fee with 3 monthly purchases for 12 months
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10X UNI$ per S$5 spend (4 mpd) on one / two preferred category(ies) from these categories:
Bonus points capped at S$1,000 / S$2,000 spend per month respectively
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1.4 mpd on local spend 2.4 mpd on foreign spend 6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel
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3 mpd on everyday spend like dining, online food delivery, online shopping, online travel, and transport 3 mpd on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 1.2 mpd on all other spend Min. S$800 spend per year on Singapore Airlines-related spend to qualify Up to S$500,000 complimentary travel insurance coverage
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1.7% unlimited cashback on all spend No min. spend No cap on cashback |
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UOB Preferred Platinum Visa Card |
10X UNI$ per S$5 spend / 4 mpd on online shopping, mobile contactless, and entertainment spend Capped at UNI$2,000 spend on selected online and mobile contactless transactions per month
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UOB Visa Signature Card |
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SingSaver x UOB Exclusive Promo
⚡Flash Deal⚡: Be one of the first 100 applicants to receive S$250 eCapita Voucher or Apple AirPods Pro (Gen 2) With Magsafe Charging Case when you successfully apply for a UOB credit card and spend a minimum of S$1,000 within the first month of card approval. Valid till 28 February 2025. T&Cs apply.
The remaining successful applicants can still get S$60 Cash or S$70 Lazada Voucher. No minimum spend required. Offer is stackable with ongoing UOB Welcome Offer. Valid till 28 February 2025. T&Cs apply.
Compare Best Instant Approval Credit Cards
Frequently asked questions about instant approval credit cards
Where to apply for a credit card with instant approval?
You can apply for a credit card with instant approval at OCBC, Standard Chartered Bank, HSBC, or UOB by visiting their websites or using their mobile apps for quick online applications. Be sure to meet the eligibility criteria for faster processing, and you can start using your credit card today after approval.
How to get a credit card easily?
To easily get a credit card, you can apply for instant approval options from banks like OCBC, Standard Chartered Bank, HSBC, or UOB. Simply download their app, complete the application using MyInfo if you meet the criteria, and wait for approval.
How long does HSBC take to approve credit cards?
HSBC offers instant approval typically within a few minutes of applying for select credit cards via the HSBC Singapore app using MyInfo. After applying, you'll receive a decision status and can register for online banking. If not approved instantly, the process may take up to 5 working days.
How long does the UOB credit card application process take?
The UOB credit card application process takes only a few minutes, with instant approval for applications submitted between 7:00am and 8:00pm. Applications made outside these hours will be processed the next working day.
Are instant approval credit cards better than regular credit cards?
Instant approval credit cards are beneficial for those seeking quick access to credit, offering faster decision-making and approval compared to regular cards. However, both types typically have similar benefits and features; the key difference is the speed of approval.
Should I get a virtual credit card?
Getting a virtual credit card can be a good option for secure online shopping, as it helps protect your physical card details from fraud. It’s especially useful for frequent online transactions or subscriptions, offering added convenience and safety. The easiest way to get a virtual credit card is to apply to a bank that offers instant approval.
Do virtual credit cards have hidden fees?
Virtual credit cards typically do not have hidden fees, but some providers may charge for specific services, such as generating or maintaining virtual cards. It's important to review the terms and conditions of your card issuer to ensure there are no unexpected charges.
about_the_author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.