At a Glance

Reactivate your suspended account

Reinstate your suspended DBS/ POSB Credit Card(s) and/or unsecured credit facilities (i.e Cashline)

Hassle free online application

No printing and mail out needed!

Apply now


Eligibility requirements

You can request the reinstatement of your DBS/POSB credit cards and unsecured credit facilities if they have been suspended due to any of the following reasons:

  1. 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; or
  2. At least one of your credit cards or unsecured credit facility is 60 days or more past due.
  3. Have existing Debt Consolidation Plan or Repayment Assistance Scheme (RAS)

To facilitate the reinstatement of your accounts, submission of updated income documents is required.

Your suspension may be uplifted after:

  1. the reduction of your aggregate interest-bearing unsecured balances is less than the applicable borrowing limit2; or after you have made prompt and regular payments to your accounts with outstanding past due; and
  2. After conducting fresh credit bureau and income checks.
  3. Your Balance to Income Ratio (BTI) is less than 4 times of monthly income if you are holding to a DBS Debt Consolidation Plan and less than 8 times of monthly income if you are holding to a Debt Consolidation Plan with other Banks.
  4. Your BTI is less than 11 times of monthly income, and your RAS is fully paid off if you have a RAS Plan.

The uplifting of suspension is subject to the banks’ credit assessment.

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 24 times of your monthly income and will be progressively be lowered to 18 times your monthly income from 1 June 2017, and 12 times of your monthly income from 1 June 2019.


Required documents

For Singapore Citizens and Permanent Residents

Salaried Employee

  1. Salary Crediting into DBS/POSB Account*1; or
  2. Latest Computerised Payslip*; or
  3. Latest 12 months’ CPF contribution History Statement*2; or
  4. Latest Income Tax Notice of Assessment*3 with (B) or (C)

Variable/Commission-based Employees

  1. Latest 2 years’ Income Tax Notice of Assessment*3


For Foreigners
Employment Pass with at least 6 months validity; and
  1. Latest Computerised Payslip; or
  2. Company Letter certifying Employment and Salary (in Singapore dollar currency), dated within 3 months from the date of credit card application.
  3. Latest Income Tax Notice of Assessment3 with (A) or (B)

* 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 $6,000 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.


Apply now

Reactivate your suspended accounts and start spending.

Apply now

Explore more

Thank you. Your feedback will help us serve you better.

Was this information useful?

That's great to hear. Anything you'd like to add?
We're sorry to hear that. How can we do better?
Enter only letters, numbers or @!$-(),.