At a Glance

Avoid suspension on unsecured credit facilities

Continue to use your credit facilities seamlessly

Hassle free application

Easy online submission with few steps

Fast and simple process

Update your latest income document with us

Update now


How it works

If your total interest-bearing outstanding balances1 on all credit cards and other unsecured credit facilities with banks and other credit card issuers in Singapore exceed the industry-wide borrowing limit2 for 3 consecutive months, you will generally not be able to:

  • charge new amounts to your existing credit card(s) and/or use other unsecured credit facilities with all financial institutions;
  • obtain credit limit increases on your existing credit card(s) and/or other unsecured credit facilities with all financial institutions;
  • obtain new credit cards or other unsecured credit facilities from all financial institutions.

Refer to Revised unsecured credit rules FAQ for more details

If your account is already suspended, please visit: Reinstatement of Suspended account to update your income and uplift the suspension.

1 These include amounts rolled over on credit cards and balances outstanding on unsecured loans that accrue interest. Such balances do not include amounts charged to credit cards that are fully repaid by their due dates, and amounts outstanding on interest-free instalment payment plans. If, however, interest is imposed on a particular instalment due to late payment, the instalment amount will be included.

2 The borrowing limit is 12 times of your monthly income.


Required documents

For Singapore Citizens and Permanent Residents


Salaried Employee

  • Salary Crediting into DBS/POSB Account*1;  or
  • Latest Computerised Payslip* AND latest Income Tax Notice of Assessment;  or
  • Latest 12 months’ CPF contribution History Statement*2 AND latest Income Tax Notice of Assessment

Variable/Commission-based Employees

  • Latest 2 years’ Income Tax Notice of Assessment


For Foreigners


Employment Pass with at least 6 months validity; and

  • Latest Computerised Payslip AND latest Income Tax Notice of Assessment or
  • Company Letter certifying Employment and Salary (in Singapore dollar currency), dated within 3 months from the date of credit card application AND latest Income Tax Notice of Assessment 

* Income record/ documents must not be dated more than 3 months prior to date of application.

1 Your salary must be credited via GIRO, to your own DBS/POSB Account for the last 3 consecutive months and your current annual income meets our minimum income criteria. Salary credited into joint account will not be considered.

2 Monthly CPF contribution is subject to an income ceiling of $6,300 per month currently.

3 You can now download your Income Tax Income Notice of Assessment at myTax Portal with your Singapore or IRAS Pin. The service is free. Log on to for more details.


Update now

Update your income with us to ensure a smooth usage of your unsecured credit facilities.

Update now

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