Best Credit Cards for Foreigners / Expats in Singapore (2025)
Just arrived in Singapore and wondering what the credit card scene is like? Here's the lowdown on credit card eligibility requirements for foreigners in Singapore, and some recommendations for different types of expats.
8 Best Credit Cards for Foreigners / Expats in Singapore (2025)
Whether you're planning to live it up in Singapore or work hard to provide for your family, we've got a great credit card for your spending habits. You may also want to employ a two-card strategy if you're a travel junkie: One credit card for your everyday expenses, and another miles card if you plan to use Singapore as a base to fly around Asia.
8 Best Credit Cards for Foreigners / Expats in Singapore (2025)
Best for digital natives
Citibank Rewards Card
Best for breadwinners
DBS Woman's World Card
Earn miles on daily spending
HSBC Revolution Card
All-rounded miles card
Citi PremierMiles Card
Best for travel around Asia
DBS Altitude Card
Best for the young & single
OCBC 90Ā°N Card
Best for wining & dining
American Express Platinum Credit Card
Best for everyday essentials
Diners Club CASHBACK Card
Want To Know More About Credit Cards?
Check out our breakdown of the different credit cards.
How Can Expats Apply for a Credit Card in Singapore?
Most credit card providers in Singapore are happy to issue credit cards to foreigners working in Singapore, but only if they meet the minimum annual income requirements (which are typically higher than the requirements for locals). When applying for a credit card, you may need to provide the following documents as well.
Proof of Identity
If you have a valid SingPass, the easiest way to verify your identity is to log in to SingPass MyInfo when applying for the card. Otherwise, you'll need to provide a copy of your passport as ID proof. You may also be required to show further proof such as an internet, phone or utility bill addressed to you.
Work Permit
Most banks issue credit cards to expats who meet the income requirement, but you need to provide either your E Pass or S Pass (copies of the front and back). If it has less than 6 months' validity, you may need to furnish the In-Principal Approval (IPA) document. Note: Certain banks restrict cards to E Pass holders only.
Income Documents
First, make sure you meet the minimum income requirements stipulated by the credit card issuer. To prove this, you will need to send in your latest computerised payslip, or (if you don't have one) your official letter of employment stating your salary.
Credit Card Minimum Income Requirements for Foreigners (2025)
| Credit Card Issuer | Minimum Annual Income | |
|---|---|---|
| Credit Card IssuerHSBC | Minimum Annual IncomeS$40,000 | |
| Credit Card IssuerUOB | Minimum Annual IncomeS$40,000 | |
| Credit Card IssuerCitibank | Minimum Annual IncomeS$42,000 | |
| Credit Card IssuerOCBC | Minimum Annual IncomeS$45,000 | |
| Credit Card IssuerDBS / POSB | Minimum Annual IncomeS$45,000 | |
| Credit Card IssuerStandard Chartered | Minimum Annual IncomeS$90,000 | |
| Credit Card IssuerAmerican Express | Minimum Annual IncomeS$80,000 | |
| Credit Card IssuerTrust | Minimum Annual IncomeS$60,000 |
Exclusive: Most Popular Credit Cards in Singapore
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