Principal Credit Cards

Eligibility

  • To apply, you’ll need to be at least 21 years old.
  • You will need to earn a minimum annual income of:
    • S$30,000 for Singaporeans/ Permanent Residents
    • S$45,000 for Foreigners

How to apply

  • Fuss-free application when you apply online:
    • If your salary is credited via GIRO to your Personal DBS/POSB Account for at least 3 consecutive months; or
    • If you use Singpass to pre-fill your application form. No uploading of supporting document is needed unless additional information is required to complete the application; or
    • If you are an existing DBS/POSB Credit Cardholder, simply log in to your DBS/POSB digibank app or online to apply.
  • Alternatively, you may apply by uploading the following documents:

For Singaporeans and Permanent Residents

Required Documents

Salaried Employee

(length of employment more than 3 months)

Salaried Employee

(length of employment less than 3 months)

Variable/ Commission-based Employees/ Self-Employed

a) NRIC (front and Back)

b) Latest 3 months’ computerised payslip in SGD is preferred; else minimally Latest 1 month’s computerised payslip

b), c) or d)

   

c) Latest 12 months’ CPF Contribution History Statement

   

d) Latest 3 months’ salary crediting bank statements in SGD

   

e) Latest computerised payslip in SGD

 

e) or f)

 

f) Full Set of Letter of Appointment (Signed copy by HR and you) + Copy of Staff Pass

   

g) Latest 2 years of Income Tax Notice of Assessment in SGD is preferred; else minimally latest 1 year of Income Tax Notice of Assessment

(Optional)

 

For Foreigners

Required Documents

Salaried Employee

(length of employment more than 3 months)

Salaried Employee

(length of employment less than 3 months)

Variable/ Commission-based Employees/ Self-Employed

a) Valid Passport (with at least 6 months validity at the time of application)

b) Employment Pass (with at least 6 months validity at the time of application)

c) Latest Income Tax Notice of Assessment in SGD

1 year (Optional)

 

2 years is preferred; else minimally 1 year

d) Latest 3 months’ computerised payslip in SGD is preferred; else minimally Latest 1 month’s computerised payslip

d) or e)

 

e) Company letter certifying employment and salary in SGD (dated within 3 months before the date of card application)

   

f) Latest copy of your Residential Address proof dated within 3 months before the date of card application (For new DBS/POSB Bank customers only)

 

Supplementary Credit Cards

Eligibility

  • Supplementary Card Applicant must be at least 18 years old. No income is required.

How to apply

  • Complete and mail back the application form with your Supplementary Card Applicant's documents below:
    • Singaporean/Permanent Residents: NRIC (front and back)
    • Foreigners: Passport with at least 6 months validity at the time of application. If you are new to DBS/POSB Bank, please also provide the latest copy of your Residential Address Proof.
 

DBS Live Fresh Student Card

  • To qualify, you must be between 21 to 27 years old. No minimum income required.
  • Applicable for existing students (Singaporean/Permanent Residents) from eligible local tertiary institution.
  • You will need to provide the following documents:
    • NRIC (front and back)
    • Student Matriculation Card (front and back, digital copy is acceptable)
 

Documents Submission Guideline

  • Name and address/email address on all submitted documents should match that on your application form.
  • Signatures and authority stamps should be captured clearly, if applicable.

Identity Document

  • NRIC (front & back) for Singaporean/Permanent Residents
  • Passport for Foreigner (minimum validity of 6 months at the time of application)

Employment Pass

  • List of eligible work passes: Employment Pass, S Pass, Personalised Employment Pass, Long-Term Visit Pass with LOC, Tech. Pass, International Organisation Pass, Overseas Networks & Expertise Pass
  • Employment Pass must have a minimum validity of 6 months at the time of application

Computerised payslip

  • Document must be dated within 3 months before the date of application

CPF contribution

  • Document must be dated within 3 months before the date of application
  • Follow these steps below to retrieve your CPF Contribution History Statement:
    1. Login to CPF using your Singpass
    2. Under menu, select “my cpf” and choose “My statements” to view “Contribution History”
    3. Select the latest 3 months period and click on the PDF icon to generate your latest statements in PDF

Income Tax Notice of Assessment

  • Please provide the latest 2 years of Income Tax Notice of Assessment
    1. Login to your myTax Portal using your Singpass
    2. Under “Notices/ Letters” section, select “Individual”
    3. Select the latest available “Notice of Assessment (Individual)” to generate your Income Tax Notice of Assessment in PDF

Bank statement

  • Document must be dated within 3 months before the date of application

Proof of Residential Address

  • Document must be dated within 3 months before the date of application
    1. Letter of offer/ employment or
    2. Local utility/ telecommunication bill or
    3. Local bank statement/ credit card statement or
    4. In-Principle Approval (IPA) issued by Ministry of Manpower1 or
    5. In-Principle Approval (IPA) issued from ICA1 or
    6. Work permit of foreign domestic worker issue by Ministry of Manpower.

Note:

  • Tenancy agreement is not acceptable proof of residential address
  • Residential address must be valid. (P.O.Box, Care-of, Office and School address are not acceptable)
  • 1 IPA can only be accepted for either Proof of employment/ Study in Singapore/ Dependent or Long Term visit pass or Proof of Residential Address. It cannot be used for both.

Document Specifications

Image File Type: jpeg, pdf, or png file extension
Image Size Limit: Up to 5MB per document

1. Submit documents that match your application form

Tip: Ensure that your document is valid. Review details (e.g. expiry dates, visibility of details) before you submit your application.

2. Avoid blurring/blocking document details

Tip: Use natural light (instead of flash mode on your camera) or position your document where reflection does not blur any part of the image.

3. Prevent details of documents from being cropped out

Tip: Frame your image by leaving at least 1 cm gap on each side of the document when you photograph it digitally.

4. Submit complete identity document

Tip: Capture both the profile picture and all printed details. Do not block or crop out any of the details.

5. Submit images that are in focus

Tip: When using mobile phone, tap the screen to correct the camera’s focus before taking the picture.

6. Avoid skewed distortions of your image

Tip: Ensure your phone is parallel to your document when taking the picture. Try placing your document against a white piece of paper and use it as a parallel frame.