Juggle things that matter, not bills

With 16X your monthly income, manage finances with ease of mind.

You want to focus on things in life that matter, not fret about your finances. Now with a bigger credit limit, you can manage it all with ease. Exclusively for selected customers, get a credit limit boost of 16X your monthly income and enjoy lower Personal Loan interest rates on your DBS/POSB Credit Cards and Cashline account.

Juggle financial goals with ease

With 16X your monthly income, it’s easier to manage your multiple financial responsibilities and goals. Now you can combine your loans and have the convenience of making repayment to just one bank.

Enjoy greater interest savings with Personal Loan

Apply for a Personal Loan today to make structured payments over a longer tenure and enjoy interest savings with lower interest rates of 3.88% p.a. + 1% processing fee (E.I.R. 7.56% p.a.).

Here’s an illustration of how much you could save with a Personal Loan:

  Bank A Personal Loan Bank B Personal Loan DBS/POSB Personal Loan

Personal Loan amount





1 year

Interest rate (p.a.)




Processing fee




Effective Interest Rate (p.a.)




Total Repayment





S$170,400 - S$167,808 = S$2,592

Give your DBS/POSB Credit Card and Cashline a 16X credit limit boost, and apply for Personal Loan for better cash flow management today!

If you have a Credit Card:

Apply here

If you have a Cashline:

Apply here

If you have both Credit Card and Cashline:

Apply here

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The overall aggregate credit limit granted by DBS Bank Ltd (“DBS”) for Singapore Citizens/ Singapore Permanent Residents with a gross annual income of:

  • at least S$20,000 but less than S$30,000 is up to a maximum of 2 times your monthly income in respect of any DBS/POSB Unsecured Loans Facilities;
  • at least S$30,000 but less than S$120,000 is up to a maximum of 4 times your monthly income in respect of any DBS/POSB Credit Card(s) and Unsecured Loans Facilities; or
  • at least S$120,000 is up to 16 times your monthly income or as determined by DBS in respect of any DBS/POSB Credit Card(s) and Unsecured Loans Facilities; regardless of the number of DBS/POSB Credit Card(s) and/or Unsecured Loans Facilities you hold or apply for.

The credit limit review and revision is conducted at absolute discretion of DBS. DBS will in its absolute discretion, determine the credit limit based on income information provided and its credit and risk management policies.

DBS will automatically assign a final credit limit apportionment between DBS/POSB Credit Card(s) and/or Unsecured Loan Facilities at DBS’ discretion.

Submission of all relevant mandatory income documents as stipulated are also required.

Should your submitted income documents reflect a lower-earned income than what was previously declared, DBS has the right to adjust the current credit limit to reflect the prevailing earned income. Your credit limit will be re-adjusted if you subsequently take up any unsecured credit facilities, such that your aggregate credit limit for all unsecured credit facilities do not exceed the maximum credit limit granted to you.

DBS/POSB Personal Loan Terms and Conditions