DBS Cashline

A standby line of credit which gives you the access to funds anywhere, anytime.

DBS Cashline

Product Details

  • Get cash up to 4X1 your monthly salary or 10X1 if your annual income is S$120,000 and above
  • Quick access to cash using funds transfer, complimentary chequebook or withdraw from DBS/POSB ATMs islandwide with no withdrawal fee
  • Payments are flexible and you only pay interest on what you use

Application Requirements for DBS Cashline
NationalitySingaporean or Permanent Resident
Age21 years and above
Minimum gross annual incomeS$20,000 – below S$30,000S$30,000 and above
Effective Interest Rate25.8% per annum
19.8% per annum

DBS Cashline Fees and Charges
Minimum monthly repayment

2.5% of outstanding balance or S$50, whichever is higher

Minimum interest charge


Late payment fee


Late payment interest adjustment#

Additional 6% above effective interest rate (the effective interest rate is also referred to as Prevailing Interest Rate)

Annual fee

S$80 (waived for first year)

Overlimit fee


Mandatory Documents
Singapore Citizen/Permanent Resident
  • NRIC (Front and Back), AND
  • Income Documents (any ONE of the following)
Salaried EmployeesAny ONE of the following:
  1. Latest 12 months’ CPF Contribution History Statement+
  2. Latest Computerised Payslip
  3. Salary Crediting into DBS/POSB Account^^
  4. Latest Income Tax Notice of Assessment** with either A or B or C
Variable/Commission-based EmployeesAny ONE of the following:
  1. Latest 12 months’ CPF Contribution History Statement+
  2. Latest 2 years’ Income Tax Notice of Assessment**
Self Employed
  1. Latest 2 years’ Income Tax Notice of Assessment**

^ # The reinstatement to the Prevailing Interest Rate will be effective on the first working day after your next Statement Date once the minimum payments due on 3 consecutive statements are made in full on or before the respective payment due dates.

+ Please note that your CPF documents submitted online are only available for up to 7 days from the date of your submission.

^^ Income documents are not required on the condition that your salary is credited via Giro, to your own Personal DBS/POSB Account and for at least 3 consecutive months. The Bank will review, and if necessary, adjust the current combined credit limit of all unsecured accounts based on the latest salary crediting information provided.

** You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to for more details.

Get access to funds anywhere anytime

Use DBS Cashline for short term cash needs to save on interest and fee charges. Compared to other bank’s credit cards, you can save so much more with DBS Cashline.

For amount of S$5,0001 months 2.5 months
Interest and fees from DBS Cashline$82 interest
No fee for DBS Cashline
$204 interest
No fee for DBS Cashline
Interest from other banks’ credit cards at 24% p.a.S$99 interestS$247 interest
Interest and fees from cash advance from other banks’ credit cards at 28% p.a.S$115 interest
$300 admin fee
(6% of amount drawn)
S$288 interest
$300 admin fee
(6% of amount drawn)
Your Savings (up to)$333 (80% savings!^)
$384 (65% savings!^)

Figures are simplified for illustration purposes.
^ Total savings with DBS Cashline when compared to cash advance fees and charges on other credit cards.

Maximize the use of your Cashline account

  1. Convenient access to get cash from:
    • Online fund transfer from Internet Banking
    • Withdraw cash from any DBS/POSB ATMs island-wide
    • Writing a cheque from DBS Cashline account

  2. Assurance that you have cash in your deposit account with Auto Top Up service
    • Tide over times when you need cash. Link your current/ savings account to your Cashline account and enjoy seamless Cashline Auto Top-Up service whenever your current/savings account balance falls below a pre-set level.

  3. Choose different options to suit your cash needs


    Credit Line Balance Transfer Instalment Loan
    For a quick drawdown at low interest rate with no withdrawal fee. Pay interest on what you use onlyTake up a short term personal loan of 6 or 12 months at 0%Personal loan with longer term tenures of 12 to 60 months with affordable fixed monthly repayments

  1. How much can I use my DBS Cashline?

    You can use up to your available credit limit in the account. Whenever payment is made into the account, your credit limit will be automatically restored by the amount.

  2. How much do I have to pay back?

    You only need to service the monthly minimum payment of 2.5% of the outstanding balance or S$50 whichever is higher plus any overlimit or overdue amount.

  3. How do I know when and what to pay?

    You will be informed of your minimum payment due and due date via your Cashline statement of account which will be sent to you on a monthly basis. The monthly statement of account will detail all your withdrawals and deposits within one month from the statement date.

  4. How do I make payments?

    You may make payment to your Cashline account(s) via the following options:
    • Using iBanking on your DBS/POSB bank account to the Cashline account
    • Using AXS
      - AXS Station – self-service kiosks
      - AXS QuickBill – over-the-counter at Cheers & Fairprice Xpress Stores
      - AXS e-Station – online at
      - AXS m-Station – mobile app on IOS & Android
    • Using our DBS/POSB ATMs
    • Quick Cheque Deposit / Cheque Mail-in
    • Cash Payment at DBS/POSB branches

  5. How soon can I get my DBS Cashline Cheque Book and ATM card?

    The cheque book will be mailed to you within 7 working days from the date of approval/ upon receipt of the cashline chequebook request form. If you are an existing DBS/POSB ATM cardholder, you can use your existing ATM card to access funds from Cashline once the account is approved. If you do not have an existing DBS/POSB ATM card, a DBS ATM card will be mailed to you within 7 working days.

  6. How can I apply for a credit limit review?

    Please complete the DBS Cashline Credit Limit Review Form, print, sign and mail (or fax) the application form to us with the mandatory income documents.

  7. How is interest calculated?

    Interest on the Facilities shall be calculated on a daily basis, by multiplying the outstanding balance on Facilities by the Prescribed Rate and then dividing by 365/366 (in a leap year), subject to a minimum interest charge of S$10.00.

    For example: Suppose you withdraw from your Cashline account S$5,000 for 30 calendar days.

    Cashline withdrawal: S$5,000
    Interest for 30 days: (30/365) x 19.8% p.a x S$5,000 = S$82

  8. How do I get a new cheque book if the current one runs out?

    You need not worry about requesting for a new cheque book. We will automatically send you a new one before the current one runs out.

  9. What is CashCare Protector?

    CashCare Protector is an optional credit life protection insurance underwritten by Aviva Ltd. It pays off the outstanding balance on your Cashline Account up to S$100,000 in the event of diagnosis of critical or early cancer**, terminal illness, death or total permanent disability. For death due to accident, the amount doubles to a maximum of S$200,000.

    ** This plan does not cover pre-existing medical conditions. A waiting period of 90 days applies for claim of critical or early cancer benefit.

    Details of CashCare

  10. When will an interest adjustment be added to your account?

    If the Bank does not receive the required minimum payment by its due date (for example, due date on 25 June as illustrated in the example below), the interest rate applicable to your Cashline account will be increased by 6% p.a. on top of the Prevailing Interest Rate (“Increased Interest Rate”). This Increased Interest Rate shall be applied to the outstanding balance in your Cashline account from the first working day after the date of the subsequent Cashline account statement following your Cashline Account statement (i.e. August’s statement) and used to compute the finance charges applicable to your Cashline account.

    This additional interest rate shall be applied even if minimum payment is received by the Bank on or before the due date of the following month (i.e. in July).

    In the event that the minimum payments are made in full on or before their respective due dates for 3 consecutive months (i.e. for August, September and October statements), the Increased Interest Rate shall be reinstated to the Prevailing Interest Rate on the first working day after your next Statement Date (i.e. November’s statement).


    Click here for a larger image.

    Note: In this example, the Prevailing Interest Rate is assumed to be 19.8% p.a.

  11. Details of Increased Interest Rates

  1. How can I get my Cashline account immediately?

    You can enjoy Straight Through Processing if you are currently crediting your salary to a DBS/ POSB deposit account. Once approved, you can get your Cashline account immediately.

  2. What can I do with Cashline in Internet Banking?

    You can do the following:

    • Perform fund transfer
    • Bill payment
    • Request for an IB e-cheque
    • Top up Cashline
    • Add a GIRO Arrangement

  3. My Cashline account is approved. Can I drawdown the cash straight away from my Cashline account?

    Yes, once your Cashline account is approved, you can perform any of the following in services mentioned in Qn 2 on your Cashline.

  4. How can I use the e-cheque functionality in Banking (IB)?

    You can choose IB e-cheque under “Transfer” > “More Transfer Services” > Purchase Cheque (Mail). Service is free of charge. (More information)

  5. I did not request for a chequebook at first but I would like to have one now.

    We will encourage you to perform fund transfer or use an IB e-cheque in Internet Banking.

    If you would like to have a physical chequebook, you can head to our DBS/POSB branches to submit your request. Please note that chequebook will be mailed to your mailing address.

How to Apply

  • If you have iBanking. Login now to a hassle free and paperless application

    Apply now

    Note: For customer crediting salary to DBS/POSB deposit account, enjoy straight through processing and get your account immediately (subject to approval)! Find out more in IB related FAQs Tab

  • Don’t have iBanking?

    • Download the DBS Quick Credit App. Apply at your convenience on your mobile/tablet and get your application status in seconds2!


    • Fill up the online form and mail back (A printer is required)

      Apply now

  • Let us contact you to assist you in your application

    Contact Now


Credit Bureau Report

From 1 April 2016, if you wish to have a free credit report, you may obtain it within 30 calendar days from the date of approval or rejection of this application via the credit bureau websites listed below. Alternatively, you may bring the approval or rejection letter and your NRIC to the following credit bureau’s registered office to obtain a free credit report.

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: (65) 6565 6363

Revision to Prevailing Interest Rate and Annual Fee Charges on DBS Cashline Accounts

Please be informed that with effect from 1 July 2016, the following revisions will apply on DBS Cashline accounts.

1. The Prevailing Interest Rate for customers with annual income of S$20,000 to S$29,999 will be revised from 25.8% p.a. to 29.8% p.a.

2. The Annual Fee charge will be revised from S$80 to S$100

Revised Cashline Terms and Conditions (with effect from 1 July 2016)

Cashline Terms and Conditions apply.

1 DBS may grant such credit limit at its discretion, which may differ from what is requested (Explanatory notes).

2 The approval of the personal loan application by DBS through the DBS Quick Credit mobile application is subject to full authentication and validation of completed information of the applicant and receipt of all mandatory documents from the applicant.

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